Frequently Asked Questions

Final Expense Insurance is a type of life insurance specifically designed to cover end-of-life costs such as funeral expenses, medical bills, and other debts. If you're between 45-85 and want to ensure your family isn't burdened with these costs, final expense insurance can provide peace of mind at an affordable rate.

Most people need between $10,000 to $25,000 in coverage. This typically covers funeral costs ($8,000-$15,000), outstanding medical bills, and other final expenses. Our licensed agents will help you determine the right amount based on your specific situation and budget.

No medical exam is required! Our simplified application process only requires you to answer a few health questions. Most applicants are approved within minutes, and coverage can begin immediately upon approval and first premium payment.

You may still qualify! Our guaranteed acceptance policies are available for individuals aged 45-85, regardless of health conditions. While there may be a waiting period for some plans, your premiums are locked in and will never increase.

Premiums vary based on your age, gender, health, and coverage amount. Most of our clients pay between $30-$150 per month. Your premium is locked in and will never increase, and you can choose to pay monthly, quarterly, or annually.

Yes, you can cancel your policy at any time without penalty. However, keep in mind that if you cancel, you'll lose your coverage and guaranteed rates. Many policies also build cash value that you can borrow against if needed.

Most applications are approved within minutes! Our streamlined process means you can get coverage the same day you apply. Once approved, your coverage begins immediately upon receipt of your first premium payment.

Final expense insurance can cover funeral and burial costs, outstanding medical bills, credit card debt, legal fees, and any other expenses your family might face. The benefit is paid directly to your beneficiaries, who can use it for any purpose they choose.

This depends on the type of policy you choose. Immediate coverage policies provide full benefits from day one for accidental death, with natural death coverage after a brief waiting period. Guaranteed acceptance policies typically have a 2-year waiting period for natural death.

Some policies allow you to increase coverage without additional underwriting, especially during the first few years. However, it's best to choose adequate coverage from the start, as your health may change over time, affecting your ability to qualify for additional coverage.

Most policies have a 30-day grace period for premium payments. If you miss a payment, you'll receive a notice and have time to catch up. If the policy lapses, some insurers offer reinstatement options, though you may need to requalify.

You can name anyone as your beneficiary - spouse, children, other family members, or even a trust. You can also name multiple beneficiaries and specify what percentage each should receive. It's important to keep your beneficiary information updated as your life circumstances change.