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Enjoy a streamlined application process. Most policies feature guaranteed acceptance or simplified underwriting with no required medical exam. Get covered quickly and easily, regardless of your health history.
Your premium payments are locked in and will never increase for the life of the policy. Budget with confidence knowing exactly what you owe each month. No surprises, ever.
Provide immediate, tax-free funds directly to your beneficiary to cover funeral services, burial expenses, outstanding bills, and other end-of-life costs, alleviating a major financial burden during a difficult time.
Provides immediate funds to cover burial and service expenses.
Simple application process; usually requires no medical examinations.
Your premium rate is guaranteed never to increase over time.
The coverage is permanent; it lasts your entire lifetime.
Funds are quickly paid to your family when they need it most.
Eliminates financial worry for your loved ones during grieving.
The death benefit is typically paid tax-free to your beneficiaries.
High approval rate, even with most existing health conditions.
No. Final Expense policies typically feature a simplified application process that requires no medical exam. Approval is usually based on answering a few simple health questions on the application form.
Yes, absolutely. These policies are designed for individuals who may have pre-existing health conditions. Most applicants are approved for some type of coverage, even if their health is not perfect.
No. Once your policy is issued, your premium is guaranteed to remain level and will never increase, ensuring the coverage stays affordable throughout your life.
The death benefit is paid out as a lump sum directly to your named beneficiary, and they can use it for anything—funeral costs, medical bills, credit card debt, or any other outstanding expenses.
Final expense policies are known for a fast claim process. Once the claim is filed and approved, the funds are usually paid out quickly—often within days—so your family has the money when they need it most.
Yes. Final expense is a form of whole life insurance, meaning the coverage is permanent and lasts for your entire lifetime, as long as the premiums are paid.