Protect Your Loved Ones from Final Expenses with Guaranteed Coverage

Affordable, straightforward life insurance for ages 40-89, ensuring peace of mind for your family

What is Final Expense Insurance?

Final Expense Insurance, also known as burial insurance, is a simplified life insurance policy designed to cover end-of-life expenses, such as funeral costs, medical bills, and other related expenses. It provides peace of mind by ensuring your loved ones aren't burdened with these financial responsibilities during a difficult time.

Key Benefits of Final Expense Insurance

  • Guaranteed Lifelong Coverage:

    • Your coverage never expires, providing lifelong protection for your loved ones.

  • Affordable and Straightforward:

    • Available for individuals aged 40-89, with coverage amounts ranging from $5,000 to $50,000, making it accessible and budget-friendly.

  • Stable and Predictable:

    • Your coverage amount will never decrease, and your premium payments will never increase, ensuring predictable and manageable costs.

  • Quick and Easy Approval:

    • Simplified application process with no medical exams in most cases, making it easy to get the coverage you need.

  • Accidental Death Benefit:

    • Provides added protection with an accidental death benefit, offering additional financial support in the event of an unexpected accident.

  • Living Benefits for Critical Needs:

    • Terminal Illness Benefit: Access up to 90% of your death benefit if diagnosed with a terminal illness, helping to cover medical expenses and other needs.

    • Chronic Illness Benefit: Receive up to 25% of your death benefit if diagnosed with a qualifying chronic illness, providing financial assistance for ongoing care.

  • Cash Value Accumulation:

    • Build cash value over time with a guaranteed 5% interest rate, providing an additional financial resource.

Why Choose Final Expense Insurance?

  • Ease the Burden: Prevent your loved ones from facing unexpected financial stress during a difficult time.

  • Secure Your Legacy: Ensure your final wishes are honored and your legacy is protected.

  • Peace of Mind: Gain the confidence of knowing your final expenses are covered, allowing you to focus on what matters most.

  • Simplified Process: Obtain coverage quickly and easily, with a streamlined application process.

 FAQs

  • Final Expense Insurance, also known as burial insurance, is a type of life insurance designed to cover end-of-life expenses, such as funeral costs, medical bills, and other related expenses.

  • Individuals aged 40 to 89 are typically eligible for Final Expense Insurance.

  • Coverage amounts typically range from $5,000 to $50,000.

  • No, your Final Expense Insurance policy provides lifelong coverage, as long as premiums are paid.

  • No, your premiums are typically fixed and will never increase.

  • In most cases, no medical exam is required. The application process is simplified, often with health questions on the application.

  • Typically, the death benefit is paid within a few days of receiving the necessary documentation.

  • Yes, this Final Expense policy builds cash value at a guaranteed 5% interest rate.

  • The Accidental Death Benefit provides an additional payout if the insured's death is the result of an accident.

  • Living Benefits allow you to access a portion of your death benefit while you are still alive if you meet certain qualifying conditions, such as a terminal or chronic illness.

    • Terminal Illness Benefit: If diagnosed with a terminal illness with a life expectancy of 12 months or less, you can access up to 90% of your death benefit.  

    • Chronic Illness Benefit: If diagnosed with a qualifying chronic illness that affects your daily living activities, you can access up to 25% of your death benefit.

  • It helps alleviate the financial burden on your loved ones during a difficult time, ensuring your final wishes are honored.

  • You can apply online, over the phone, or by contacting our office. We will guide you through the simplified application process.

  • Typically, they will need a certified copy of the death certificate and a claim form

  • Yes, you can change your beneficiaries at any time by contacting our office.