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Frequently Asked Questions

Before reaching out, you might find the answer to your question below:

Final expense insurance is a type of whole life insurance policy designed specifically to cover end-of-life expenses such as funeral costs, burial or cremation, outstanding medical bills, and other final expenses. These policies typically have smaller death benefits ($5,000-$50,000) and simplified underwriting.

The cost varies based on age, health, coverage amount, and insurance company. Generally, premiums range from $20-$200+ per month. For example, a healthy 65-year-old might pay $50-80 per month for $15,000 in coverage.

Most final expense insurance policies do not require a medical exam. Instead, they use simplified underwriting with health questions. Some guaranteed issue policies don't even require health questions, though they may have waiting periods.

Final expense insurance is permanent coverage with smaller death benefits and easier qualification. Term life insurance is temporary coverage (10-30 years) with larger death benefits but typically requires medical exams and may become unaffordable as you age.

Yes! Many final expense policies are designed for people with health issues. Guaranteed issue policies accept everyone regardless of health, though they may have a 2-3 year waiting period before full benefits are available.

What Our Experts Can Help With

Coverage Amount Calculation

Help determine how much coverage you need based on your specific situation and final expense estimates.

Policy Comparisons

Compare different insurance companies, policy types, and features to find the best fit for your needs and budget.

Application Assistance

Guidance on the application process, health questions, and what to expect during underwriting.

Policy Review

Review existing policies to ensure they still meet your needs and provide recommendations for improvements.

Our Commitment to Your Privacy

We understand that insurance and financial matters are deeply personal. When you contact us:

  • Your information is kept strictly confidential
  • We never share your details with third parties without permission
  • All consultations are provided without obligation
  • We respect your time and won't pressure you into making decisions

Ready to Get Started?

Our team of final expense insurance experts is ready to help you find the right coverage for your needs.

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