Final Expense Life Insurance

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What is final expense life insurance? It’s a type of permanent life insurance intended to help pay for end-of-life needs like burial costs, funeral expenses, and any remaining bills for final care, including hospice.

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
Easy application
Fast acceptance
No medical exam

If you’re wondering how to buy final expense insurance, you’re not alone. The fastest way to get the best rates for final expense insurance is for me to take your information and give you quotes over the phone. Ready to get started?

Call 800-823-4852 for Final Expense Insurance Quotes

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We've compiled more information and buying tips below.

Final Expense Burial Insurance: Smaller Face Amounts

Final expense policies have a smaller face amount than policies designed to replace income or pay off a mortgage. That’s why you may also hear these policies called “burial policy insurance” or “insurance for burial.” These policies are intended to cover funeral, burial, and final medical expenses. They offer anywhere from a few thousand dollars up to $50,000 in coverage.

If you already have health problems, you can still qualify for final expense insurance , making this an ideal policy type for seniors. The trade-off is that it’s more expensive than a traditional term or whole life policy. The good news? That expense is balanced out by the smaller dollar value, keeping the cost reasonable. And as long as you keep the policy active by making payments, it can’t be cancelled and your death benefit payout is guaranteed.

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Final Expense Burial Insurance: Easy Application & Fast Acceptance

A smiling senior couple | Final expense life insurance information

Final expense policies are designed primarily for people between the ages of 50 and 85. If you fall outside that range, don’t worry – I can still help you get a policy. The 50-85 age range is where people typically find themselves thinking about their health and making plans to find funeral expense insurance.

Luckily, final expense life insurance doesn’t require the intense underwriting that larger policies do. That makes the application and approval process fast and easy. If you already have health problems, for example, you can almost always qualify for a final expense policy.

You can also skip the medical exam, which is good news for people who don’t have time, don’t like needles, or aren’t comfortable with a medical examiner coming into their home. At most, you’ll have to fill out a health questionnaire with a series of questions about your current health. Some policies don’t even require that much. Either way, the application process is a touch-free no-contact process that won’t put your health or your family’s health at risk.

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Call 800-823-4852 for Final Expense Insurance Quotes

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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. Let’s take a closer look:

Guaranteed issue

If you’re in poor health, guaranteed issue is a good choice for burial policy insurance. There are little or no requirements in terms of health, so virtually everyone qualifies for at least a minimal face amount of final insurance, typically $5,000 - $25,000. That makes it 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 for coverage. Some insurers may not offer you a policy if you’ve already been diagnosed with a terminal illness, but not all. If that’s your situation, let me know and I can help you find the insurance company most likely to let you buy final expense insurance.

Simplified issue

No major health problems? You’re a good candidate for simplified issue, which doesn’t require a medical exam. The insurance company will require you to fill out a detailed questionnaire about your health, but that’s all. You don’t even have to speak to an insurance company representative. 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 is a minimal amount of underwriting, a simplified issue policy will be less expensive than a guaranteed issue policy.

Graded benefit life

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.

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How to Buy Final Expense Insurance

The first step is talking to an insurance agent. If you’re ready to get started, call me now for the best rates for final expense insurance.

Once you talk to an agent about your needs, they will give you quotes for a range of available policies. Pick the policy that best meets your needs, and your agent will help you apply, often over the phone. Usually, you’ll know within 72 hours whether you’re approved. In many cases, the insurance companies offer instant decisions online.

Once you accept the insurance company’s offer and make your first payment, your burial policy insurance is considered active. Afterward, as long as you keep making those payments, your policy can never be cancelled and your rate will never increase. It’s locked in at the time of purchase, no matter what happens to your health from here on out.

When you pass away, the final expense insurance benefits will be paid to your beneficiaries. That tax-free payout can be used for anything – there are no restrictions.

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Call 800-823-4852 for Final Expense Insurance Quotes

We'll find you the best rates for final expense insurance online

What Does Final Expense Burial Insurance Cover?

Most of you probably need a little help making final expense plans, so let’s take a quick look at the costs you may encounter.

Medical expenses

If you’re hospitalized, you’ll have expenses your traditional insurance won’t cover. That includes co-pays, prescriptions, and bills from doctors or care facilities. 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 insurance policy’s annual out-of-pocket maximum amount. If your final expense policy covers at least that amount, your family will be able to pay off those remaining 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

These days, many seniors require end-of-life care, either 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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Call 800-823-4852 for Final Expense Insurance Quotes

We'll find you the best rates for final expense insurance online

Advice as You Shop for Funeral Expense Insurance

Consider selecting a funeral home beforehand. Why? Because then you can designate that funeral home as the beneficiary of your last expense insurance. Be sure you talk to the funeral home first so they can offer pricing advice in advance. With a little planning, you can make sure the money goes to the right place and you get the services you choose without your family needing to worry.

It’s also a good idea to share your final expense information with your loved ones. If you name a funeral home as your beneficiary, for example, you don’t want them to buy additional services from another funeral home. Having those arrangements pre-determined – including final insurance – can save a great deal of grief and anxiety for your loved ones when the time comes.

Ready to get started?

Call 800-823-4852 for Final Expense Insurance Quotes

We'll find you the best rates for final expense insurance online

What's Next?

  • Start shopping for life insurance right now – use our quoter to compare rates online.
  • Get help finding a final expense policy by calling or emailing us for personalized advice.
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Your actual final expense life insurance premium can only be determined by a full application and the carrier's underwriting process. Depending on the carrier, premiums can be paid on an annual, semi-annual, quarterly or monthly basis. Monthly premium rates may be available via EFT (electronic funds transfer). Not all carrier policies are available at all ages in all states. By providing your phone number and the name of your wireless carrier, you agree to's privacy policy and terms of use. You also agree to receive communication from us at the phone number(s) you provide. Our communication with you may include autodialed or pre-recorded calls, emails, and SMS or MMS messages. You may opt out at any time. You may also call us directly at (800) 823-4852.

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