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Choose the right Final Expense Insurance
These plans are a low-cost way of ensuring that, whatever the cause of death, neither your relatives nor your estate will be faced with
Do your existing policies provide for your family?
You can have peace of mind that these expenses will be paid with a FINAL EXPENSE INSURANCE policy. Protect your loved ones for as little as $5 a month, that’s less than 17¢ per day for cover from $1,000 up to $20,000 depending on your age.
Some policies guarantee acceptance with no health or medical questions. Others may be tied to specific services.
Final expense insurance is relatively affordable. It usually provides less coverage than other whole life insurances but in some
If you would like an immediate competitive quote go to
Understanding Final Expense Insurance
Frequently Asked Questions
Types of Final Expense insurance
Medically Underwritten Policy:In this case you have to undergo the evaluation process of the insurance company and coverage can be denied or limited on three grounds of health/lifestyle, pre-existing conditions or other medical history..
Preneed Funeral Insurance: The policy is purchased directly from the funeral home of your choice which is then the named beneficiary of the policy and is committed to conducting the funeral and any other services agreed in the policy.
Final Expense Insurance: These policies are purchased from the insurance company. They are a form of permanent life insurance and as
How much insurance do I need?
The average cost of a funeral in the USA is between $8,000-$12,000. You may expect to have debts to pay off e.g. credit cards and legal fees. An average policy might yield $20,000. You may also want to consider insurance for your spouse.
Who should consider buying a final expense policy?
It depends on your financial situation and whether your family can afford the expenses incurred by a funeral. When considering whether to buy a final expense policy there
When should I take out a Final Expense policy?
Generally speaking the sooner you take out a policy the sooner you will enjoy peace of mind knowing that your loved ones will have some financial protection in place. The premiums will be lower. But it is never too late and even a small affordable policy later in life will take much of the stress out of planning a funeral.
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Also, you should visit the Health Insurance MarketplaceSM website at HealthCare.gov if:
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