Final Expense Insurance is a life insurance policy that offers a lower death benefit, but doesn’t require a medical exam. It is often purchased as a secondary policy to supplement benefits from other life insurance or as a form of guaranteed issue coverage.
If you want to cover final expenses and burial costs or are considered high-risk for insurance carriers, final expense insurance may be for you.
Final expense insurance covers everything that accompanies typical funeral cost, including: Funeral home costs, such as rental space, viewing, ceremony or a memorial package. Transportation to and from cemetery Burial plots, grave markers and casket. Cremation costs, which can include casket, urn and transportation of remains. Officiant fees, music, flowers or other costs associated with a ceremony.
This can include items such as outstanding medical bills or hospice care. Credit card, auto loans or any other debt that has been left behind. Day to day expenses for your partner which can include mortgage payments or costs associated with assisted living fees. Even an inheritance for kids or grandkids as a legacy but haven’t been able work into a financial plan.
Final expense insurance can prevent your family and loved ones from having to pay out-of-pocket for expenses ranging from burial costs to medical bills to credit card debt. Think about how much final expense insurance you need. You can typically purchase coverage amounts from $5,000 to $35,000, so choose one that will cover your funeral, medical bills, remaining debts, and other costs.
Call us today to see if you qualify for first day coverage plans.
No Medical exams!
An important part of purchasing a policy is deciding who will receive your death benefit. This can be a partner, child, close friend, or even a funeral home.
Make monthly or annual payments to keep your policy active. If it lapses, it won’t pay out later when your family needs it. Final expense plans also offer fixed premiums, which can be helpful for budgeting if you’re on a set income.
When you die, loved ones receive a tax-free cash payout. While it’s called final expense, they can use this money for whatever they need, with no strings attached.
Get your final expense insurance quote by calling (725) 231-1700
If you’re nearing retirement age or already retired, and looking for a way to cover end-of-life costs, final expense is probably a good fit for you.
Don't take our word for it - hear what our other users are saying.
“Other insurers denied my mother because of her age and health. With insureNprotect, we were able to get instant coverage with no mediacal exam.”
“I added a final expense policy for my dad so that we could celebrate his life the way he wanted. Applying for coverage was no hassle and approval was guaranteed.”
Purchasing any type of life insurance can be difficult. I chose insureNprotect because they helped every step of the way.”