Frequently asked questions

  Final expense insurance is also known as a whole life insurance policy that has a death benefit and is easier to get approved even on a phone call. Final expense insurance is also known as funeral insurance or burial insurance. Different insurance companies use different marketing terms for final expense insurance.

 Final expense insurance covers death expenses such as a funeral or commemorative service, embalming, and coffin or cremation.

  Like other life insurances, there is an application process and a review/approval process by the insurer. The death benefit is paid to the primary beneficiary once the claim is approved.

  Final expense is a type of whole life insurance and usually has a smaller amount than traditional insurance. It focuses on covering end-of-life expenses while most life insurance policies focus on income replacement.

  It depends on the insurance company but usually the minimum age is 45 years old. Remember that different insurance companies have different age limits and so on the premium varies according to age and health conditions. Some companies insure even over the age of 85, but be prepared to pay a very high premium.

Final expense insurance doesn’t guarantee a certain amount of money towards funeral costs – 100% of the death benefit goes to the primary beneficiary. If you do any kind of funeral planning in advance, you can document your final wishes for your primary beneficiary and show how much of the policy benefit you want to go towards final arrangements.

 The process is typically the same at every age. Most insurance companies require an individual to be at least 30 days of age to apply for life insurance.

 It merely depends on the insurance companies. Some companies may take weeks or months, and even some approve it in the next 24 hours.

We offer final expense services in all States besides for New York.

 The smoker’s rate is usually higher than non-smokers up to 30%. The smoker pays more insurance.