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Final Expense

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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 unexpected expense.
Do your existing policies provide for your family? Will there be debts to be paid, funeral expenses, and what about the mortgage? Should my spouse be included or have a policy of their own?
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 circumstances the benefit is tax free. You can take out a policy for as little as $1,000 but bear in mind the longer you delay the more expensive it becomes.

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Understanding Final Expense Insurance

Frequently Asked Questions

Types of Final Expense insurance
Guaranteed Issue: These are life insurance policies that are guaranteed to be issued. You cannot be declined or turned down regardless of your health or pre-existing conditions. However they offer relatively low death benefit options and charge higher than average premiums.

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 such you can decide how you want the benefit to be used. As with other permanent life insurance policies they carry a cash value, which may be realized, borrowed against or surrendered (cashed out). Generally speaking the earlier you set up such a policy the better the value,

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 are number of factors that need to be considered. For example, if you have no life insurance or you have no other means of paying for a funeral. Or perhaps you have limited savings and you want a separate policy to cover your funeral and save your dependents the expense.

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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