What is Final Expense Insurance?

A final expense insurance policy, also known as “insurance for seniors” is a type of life insurance that pays for burial or cremation costs.

The need for final expense insurance is necessary because the cost of a funeral, burial, or funeral service can be expensive. The cost of these services varies based on where the individual lives and the type of funeral arrangements desired.

Who Needs Final Expense ?

A final expense policy may be appropriate for anyone between the ages of 45 and over.


What are the two types of final expense insurance policies?

  • Graded insurance plan, commonly called “Guaranteed Acceptance” which requires no medical exam or good health.
  • The standards insurance plan for seniors which takes into consideration the medical history of the applicant and the price is based not only on the benefit’ amount but also the actual health status.

Is whole life insurance the same as final expense insurance?

practically final expense is a type of whole insurance for the elderly or anyone between the age of 45 and 90 years old who need to make sure that there is enough fund available to cover the funeral cost. 

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What Is The Best Final Expense Insurance Plan For Me?

There is no such thing as a good or bad final expense plan. It is always preferable to have some form of insurance than none at all. If you are in good health. Applying for the standard plan will result in a quicker approval and a lower premium.

Most insurance companies will preapprove you for the (GWLI) Guaranteed Acceptance Whole Life Insurance plan with no medical exam if you are sick or have a poor medical history.

Life Insurance FAQ's !

It is a straightforward and reasonably priced final expense life insurance policy with no medical examination or health-related inquiries.  Seniors between the ages of 45 and 90 can obtain an insurance to assist with charges such as medical bills, credit card debt, or funeral and burial fees that can help relieve the burden from the shoulder of their loved ones and protect them  from future financial worries after the insured senior is no loger alive.

Final expense insurance is a whole life insurance policy with a small life insurance policy that is simple to obtain. Funeral insurance, burial insurance, simplified issue whole life insurance, and modified whole life insurance are all terms for final expense insurance. All are small whole life policies with face values  ranging from $2,000 to $35,000

A death benefit is provided by final expense insurance to cover expenses such as a funeral cost or memorial service, embalming , casket price, cremation cost and hospital bill.

The answer to this question will vary depending on your age group and medical history. 
In general, adult or senior persons can purchase final expense insurance plan without medical examination or taking their health history into account.

We provide fast and instant free quote by phone. Call us today.

Just call (855) 560-0606 or the phone number printed on top the preapproved final expense insurance website to talk to an agent.

All of your questions and inquiries will be taken care off. 

call us now at: 1-855-560-0606 or at : 1-888-279-1164

Term insurance, provides temporary life coverage for a specific amount of time. Term is al considered “Pure Life Insurance.”

There are 3 types of term insurance which are:
1) Level term life insurance.

2) Increasing term life insurance.

3)Decreasing term life insurance.

Permanent life insurance is a broad term used to describe various type of whole life insurance plan that build cash value and  continue to be effective the  entire life of the insured individual or until the insured has reach the age of 100 years old.

It is a time period, usually mandated by law, during which a policy owner may inspect a newly issued individual life or health insurance policy for a specified number of days and surrender it in exchange for a full refund of the premium if not satisfied for any reason. 

In life insurance, the free look period is 14 days in certain US states.

The grace period is the time following the due date for premium payments during which payments may still be made to restore or maintain the status of the policy.

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