Final Expense Life Insurance
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Our Life Insurance Carriers
We work with more than 40 of the nation's top life insurance providers, including:
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"I just activated my life insurance policy. I would like to thank you for going the extra mile to make this happen. Without your assistance I would either be without life insurance or paying a premium that is much too high for my health status. Again, thank you."
"I want to thank you for all of your help and patience. If any of my friends or family are looking to purchase life insurance, I would refer you to them."
"Christine was extremely nice and pleasant to work with. She was very patient and really took her time explaining everything."
"I got the privilege of working with Tammy today. She is very kind, informative and quick to the point. She is very knowledgeable on what she does and it shows. You guys have a good team member in her."
"Speaking with you has not only give me the insight of the importance of life insurance for the sake of the people I love, but also the importance of it for myself. Speaking with you showed me there are decisions in my life that need to be addressed if I want to achieve my goals...Thank you for taking your time to reach out to me personally."
"Christine Orris was my agent and she was VERY helpful in answering all my questions as I was inquiring about buying a policy. The process itself was very simple. I told her what I needed, she recommended the best product for my needs. Recommended!"
Final Expense Insurance: It’s for the Ones You Love
“We didn’t want to burden the kids”
Meet our clients, Larry and Susan. They retired six months ago, and just bought burial insurance to kick off their retirement to-do list.
Larry said, “We didn’t want to burden the kids with paying for our funerals. They’ve already got so much to deal with, between rent and groceries and inflation. We wanted to do the right thing for them and our grandkids.”
And Susan really appreciated how easy it was to work with our team: “I don’t know anything about insurance, but our agent made it easy. She asked questions to make sure we knew how the policy worked. I expected to be hustled through the process, but she was available every time I called or emailed. I was very pleasantly surprised!”
If you don’t like the idea of burdening your family with the cost of a funeral, final expense life insurance is a great solution.
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Under 75? It’s Not Too Late
We can help you get covered now
Martin was already 72 years old and didn’t think he’d qualify for anything. But after he saw a late-night commercial talking about burial insurance, he decided to give it a try. He found our website and called us the next morning since he preferred to talk to a real person.
The good news? Not only did Martin qualify, but he got more coverage than he expected. With a max budget of $100 per month, we were able to find him $25,000 of coverage and still come in under budget.
“I’m getting up there in years and I can’t stand the thought of being a burden on my family. Now I know that won’t happen. I should have done this years ago. Thank you for helping me. I really appreciate it.” – Martin R.
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“They told me I wouldn’t qualify – I’m glad I didn’t listen!”
We love helping people who think they can't get covered
Joy thought she knew a lot about insurance because her friend’s husband, Terrence, was an agent. But Terrence told her she couldn’t get life insurance because she'd already had a heart attack.
But then she heard that her cousin – who’s had diabetes for two decades – got coverage. So she decided to see if maybe things had changed.
She told us she probably wouldn’t qualify, but wanted us to check and see. So we did – and come to find out, even with her history of heart problems, we were able to get Joy a final expense life insurance policy that covers her for the rest of her life.
So…what’s the catch? She had to pay a little more than someone with a clean health history, but we still found a policy within Joy’s budget. She got the coverage she needed and can rest easy.
“I still can’t believe you found me a policy. Thank you for being patient with me! I’m so relieved. And I know my son is, too. By helping me, you helped him, too. Thanks again.” – Joy C.
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Did you know?
Final expense policies are also referred to as “burial policy insurance” or “insurance for burial.” They're intended to cover funeral, burial, and final medical expenses with anywhere from a few thousand dollars up to $50,000 in coverage. If you already have health problems, you can still qualify, making this an ideal policy type for seniors. The trade-off? It's a little more expensive than a traditional term or whole life policy. But as long as you keep the policy active by making payments, it can’t be cancelled and your death benefit payout is guaranteed.Get Your Free Quote
Final Expense Life Insurance
Final expense is a type of permanent life insurance intended to help pay for end-of-life needs like medical bills, burial cost, and funeral expenses. Here’s a quick list of features to note about final expense insurance:
Permanent coverage for the rest of your life
Smaller coverage amount designed to pay for burial cost & funeral expenses
No medical exam
The first step in getting covered? Give us a call. The fastest way to get the best rates for final expense insurance is for us to take your information and give you quotes over the phone. Call us now at 800-823-4852!
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What Does Final Expense Burial Insurance Cover?
Let's take a closer look.
- Medical expenses — If you’re hospitalized, you’ll have expenses health insurance or Medicare won’t cover. That includes co-insurance, co-pays, hospital bills, and doctor’s bills. Final expense burial insurance can provide the cash your loved ones need to pay those bills. A good rule of thumb is to find your health insurance’s annual out-of-pocket maximum amount. If your policy covers at least that amount, your family will be able to pay off any remaining medical expenses.
- Funeral & burial costs — Think of your policy as funeral costs insurance. Your loved ones can use the death benefit for an elaborate funeral, a wake at your house, a private burial, cremation, a family party – there are no strings attached. The average funeral costs between $7,000 and $9,000, according to Bankrate. That cost can increase depending on your selections for a burial plot, headstone, coffin, or urn.
- Care expenses – You may need end-of-life care in a nursing home or with a home health aide. Your policy can be used to pay off remaining costs from these services. If family members helped with your care, you can also provide them with some reimbursement using your final expense insurance.
- Probate costs — Every will goes through probate before its bequests can be granted…and there may be challenges along the way. Wills can be contested. Creditors can lay claim to properties. If probate becomes an issue, there will also be court and attorney fees to pay. A final expense life insurance policy can help tide your heirs over with a small amount while your will passes through probate.
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Three Types of Final Expense Insurance
There are three types of final expense life insurance. Which one is right for you? That depends on your health at the time you’re applying.
If you’re in poor health, guaranteed issue is a good choice for burial policy insurance. There are little or no health requirements, so virtually everyone qualifies for at least a minimal amount of coverage, typically $5,000 - $25,000. It's a good second chance option if you’ve already been turned down for a fully underwritten policy. There’s no medical exam, and as long as you meet the age restrictions (usually under age 85), you will qualify. If you've already been diagnosed with a terminal illness, let us know and we'll help you find the insurer most likely to offer you final expense insurance.
No major health problems? You’re a good candidate for simplified issue, which doesn’t require a medical exam - just fill out a detailed questionnaire about your health. If you’re in good health when you apply, you can often get a final expense policy in the range of $30,000 - $50,000.
You won’t need to take a medical exam for this type of burial policy insurance. Instead, the insurance company will use your answers to the questionnaire to assign you a health class and a rate for your policy. Since there's a minimal amount of underwriting, a simplified issue policy will be less expensive than a guaranteed issue policy.
Graded benefit life insurance requires that you be covered for a certain period of time (usually two years) to qualify for a full death benefit. So what happens if you buy a policy and pass away shortly afterward? In that case, your beneficiaries would only receive a refund of the premiums you paid, plus a certain amount of interest. If you think it’s likely that you’ll pass away within two years, it’s best to ask about guaranteed issue when you’re shopping for last expenses life insurance.
Why Work with WholesaleInsurance.net
Our awesome staff & licensed agents are here to help you get the right policy at the right price! Let us do the heavy lifting for you - we'll shop the nation's top carriers and show you the policies that meet your needs and your budget. Call 800-823-4852 now to get your free quote!
Meet the Team
“I’ve been in the life insurance industry for 25 years. In addition to life insurance, I’m also experienced in disability and property & casualty insurance (home & auto coverage). I especially enjoy helping my higher risk clients find the best possible coverage. The whole purpose of buying life insurance is to protect the ones you love! After hours, you can find me camping, gardening, hiking, boating, and spending time with my wonderful husband, two children, and fur babies.”
“I’ve been a licensed life insurance agent for 20 years. I started my career with an organization specializing in annuities, and also worked on the wholesale side before venturing out into direct to consumer sales. I consider life insurance a very simple answer to a very simple question: how will my loved ones manage financially if something were to happen to me? When I’m not helping clients answer that question, I’m a big sports fan, especially football. My favorite football team is the Dallas Cowboys. I’m also the single parent of a beautiful 18-year-old daughter.”
“I have 17 years of experience in the life insurance industry. I come from a teaching background, so my favorite part of this job is being able to teach someone who’s new to life insurance. I explain that life insurance is for protection. It prevents families from the financial trauma of losing a loved one so their focus can stay on mourning. My mother passed with no insurance, and we had to sell her things to pay for final expenses. I really do care about helping my clients and I don’t want them to go through that. When I’m not at work, my grandchildren and my kids are my world.”
“I started in the insurance industry when I was still in high school. Shortly after, I obtained my license and I’ve been helping families with their insurance needs ever since. No one can truly predict the future. But life insurance means you and your loved ones can prepare for the loss of income. I have a client that wanted to set aside money for his daughter’s wedding, if he was not able to be there. That brought me to tears. When I’m not helping clients, I love fishing in local rivers and lakes. Everybody can see me coming with my pink fishing jacket.”