Burial Insurance Policies

About Us

Protecting Futures

Final expense insurance is designed to help older adults pay for end-of-life costs ranging from medical bills to funerals to credit card debt. As a form of permanent insurance, if premiums are paid up to date, the benefit does not expire.

Assessing Need

Term life policies typically last from 10 to 30 years, so it’s common for people in their 50s or 60s to have a policy expire. If you no longer need a big policy, the final expense can be a way to cover a funeral or other end-of-life costs.

Building Relationships

Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect your family from end of life expenses.

What is Final Expense Insurance?

Final expense insurance is a life insurance policy that has a lower death benefit, usually intended to cover final expenses and burial costs. It’s designed for older adults who are ready to make end-of-life plans, typically age 50 and older.

It may be purchased as a secondary policy to supplement benefits from other life insurance companies or as a form of guaranteed issue coverage that doesn’t require a medical exam.

The premiums for final expense insurance policies are typically higher than many other policies with a lower payout. If you are considered high-risk for insurance carriers, however, final expense insurance may be easier to qualify for than other types of policies. It’s also a good option to consider once you pass a certain age or develop health problems.

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

What can be considered Final Expense?

Final expenses can include medical care, end-of-life care, and funeral services. A death benefit from a life insurance policy can be used as the beneficiary decides. Credit card bills and other debts can be paid with the death benefit from a life insurance policy.

Can a Final Expense Insurance policy expire?

Final Expense is a permanent life insurance policy. As long as the premium is paid, the policy is in force and your insurance coverage remains fully intact.

Who needs a Final Expense Insurance policy?

Retired or more mature adults between the ages of 50-85 looking to supplement their existing life insurance or ensure final costs are taken care of may be interested in final expense insurance. Remember costs go up as you get older, so if you anticipate needing a final expense policy, it’s better to get covered sooner than later.