Final Expense Insurance – Protecting Your Family
“Begin with the End in Mind” – Steven Covey
When We Prepare for the End, We Live so Much Better
You worked to protect your family. Through life, we know protecting our family is a priority and one day you realize time has flown by and some things you intended to do haven’t been done.
As Steven Covey said, “Begin with the End in Mind”.
We live and do what is necessary today but, it is also important to protect your family for the future.
Final expense insurance is designed to handle finances associated with the end of life.
Final Expense Insurance protects your family giving them the disbursement to pay;
- Medical Costs,
- Funeral Expenses,
- And Other Debts.
- If you’re planning to utilize the services of a particular funeral home, funds can be earmarked to be disbursed directly to the funeral home.
The key is not to prioritize what’s on your schedule, but to schedule your priorities.
Do an easy quote today, and enroll to secure the protection with the Final Expense Insurance.
Review Final Expense Policy Features
Final Expense Policies are designed with all the features and benefits found in traditional whole life policies and they are quick and easy to purchase.
Choose Protection Amounts from $2,500 – $40,000
Choose the monthly premium amount you are comfortable with, and the amount of protection best suited for your family needs.
Do a quick no-obligation quote to view your options.
No Medical Exam Plans
Final Expense Insurance policies take the worry out and issue without the need for a medical exam. Since most policies are purchased by seniors, the underwriting guidelines are very liberal. Your policy can be issued in a matter of days rather than weeks or months.
Guaranteed Accepted Plans are Available when Needed
If you are concerned current medical issues would prevent you from purchasing, you can purchase a guaranteed issue policy. Guaranteed Acceptance policies were designed for you to qualify for standard policies, so no medical underwriting considered is required.
Lifetime Coverage with Guaranteed Level Premiums
Your final expense insurance policy can never be canceled by the insurer as long as premiums are paid and, your monthly premium will never go up, even if you become critically ill and require full-time nursing care.
Choice of Beneficiaries
You choose the death benefit recipient. A beneficiary may be any person or entity that has an insurable interest giving you the ability to name a family member, church, or charity of your choice.
Rather than a funeral home receiving the death benefit, A beneficiary may be any person or entity that has an insurable interest. You can name a family member, church, funeral home or charity, it’s your choice.
How Much Does Final Expense Insurance Cost?
Over the years we have found the average rate for final expense insurance is between $35 and $75 a month. Your rate will be based on your age, your health, coverage amount, and the type of policy you qualify for.
Certainly, applicants in their 50s who are healthy, and do not smoke will get lower rates than applicants in their 70s with medical issues. The good news is it’s almost never too late because we offer affordable final expense insurance to applicants from 50 to 85 years of age.
Policies Build Cash Value and Earn Tax-Deferred Interest
Over time your final expense policy can build cash value you can access, for any reason, via policy loans, cash withdrawals, or surrender your policy for cash.
Since the insurance company is accepting an unknown medical risk, there is generally a two-year waiting period when the death benefit will be the sum of all premiums paid plus an additional 10%.
However, it’s important to note that your cost for final expense insurance will never be less than what it costs today.
Let’s get started! Fill out the quote above and click the GET QUOTES NOW form above!