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Submission: On December 12 via api from US — Scanned from DE
Submission: On December 12 via api from US — Scanned from DE
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FINAL EXPENSE LIFE INSURANCE
PROTECTION FOR WHEN YOUR FAMILY NEEDS IT MOST.
With the average funeral costing $10,000 or more, a final expense insurance
policy is a type of life insurance that can help minimize financial stress for
your family during a difficult time. Let your family focus on what’s important
with final expense coverage.
GET A FREE QUOTE!
THIS WILL ONLY TAKE A MINUTE...
Zip Code
Coverage
$2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000
$13,000 $14,000 $15,000 $16,000 $17,000 $18,000 $19,000 $20,000 $25,000 $30,000
$35,000 $40,000 $45,000 $50,000 $55,000 $60,000 $65,000 $70,000 $75,000 $80,000
$85,000 $90,000 $95,000 $100,000
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By calling the number on your screen or clicking the "Get Quotes" button on this
page, you agree that you are expressly consenting via this chat / webform a
Licensed Insurance Agent of Medigap Instant Quotes or a Marketing Partner to
contact you regarding insurance products which may include Medicare Advantage,
Medicare Supplement, and Medicare Part D plans and other health-related
services, by telephone using an Automated Dialing System call, text, or email or
an artificial or prerecorded voice or via text/SMS message, even if the
telephone number is assigned to a landline, a telephone service or other service
for which the called party is charged. This is a solicitation for insurance.
Medigap Instant Quotes or Marketing Partners may also contact you via email
using any email address you provided. This authorization overrides any previous
registration on a federal, state or corporate Do Not Call Registry or any
internal Medigap Instant Quotes or Medigap Instant Quotes Marketing Partner
privacy or solicitation preference you have previously expressed. You are not
required to provide this authorization as a condition of purchasing goods or
services from Troy Fisher, Mediap Instant Quotes or Medigap Instant Quotes
Marketing Partners. I understand this request has been initiated by me and is an
unscheduled contact request. I further understand that this request, initiated
by me, is my affirmative consent to be contacted which is in compliance with all
federal and state telemarketing and Do-Not-Call laws.
Previous
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UNDERSTANDING FINAL EXPENSE INSURANCE
The average funeral today costs $10,000 or more. These and other end-of-life
costs are often overwhelming to families after losing a loved one. A final
expense insurance policy can help minimize that stress. Instead of having to
drain their savings, your family can have the comfort of knowing there’s a plan
in place after your death.
Also sometimes called burial insurance or funeral insurance, final expense
insurance can help cover costs like medical bills or even credit card debt, or
add to any other life insurance coverage you may already have.
With quick approval times and no required medical exam, final expense life
insurance is a simple way to add important protection for your family. In many
cases, coverage is available even if you have a pre-existing health condition.
If you’re between the ages of 50 and 85, final expense insurance can offer
tax-free protection and peace of mind to the people you love most.
BENEFITS OF FINAL EXPENSE INSURANCE
End of life insurance can be an ideal fit if you’re over 50, have health
problems, or live on a fixed income, which can make it hard to qualify for a
standard life insurance policy. With final expense insurance, you’ll benefit
from:
NO MEDICAL EXAM
Most insurance companies require you to take a medical exam to help determine
your life insurance rates. But with final expense and burial insurance, that
isn’t necessary. You still may need to answer some basic health questions to
apply.
AFFORDABLE PREMIUMS
Because of the relatively low coverage, usually $5,000 to $40,000, final expense
insurance premiums are relatively inexpensive. You can even buy this plan to
supplement your existing life insurance policy, helping to give your family
extra financial support if they need it.
QUICK AND EASY APPROVAL
Since you typically just need to take a short health survey instead of a full
medical exam to get consent for coverage, approval can take just hours or days,
instead of weeks.
WHO NEEDS FINAL EXPENSE INSURANCE?
When you’re younger, term or permanent insurance can help provide a financial
cushion for your family to cover big expenses. Most people use term or permanent
insurance as a way to replace income, pay the mortgage, cover day-to-day
expenses, pay off credit cards, or save for college. It takes a lot of money to
pay those expenses for years if something happens to you, so these policies are
often in the hundreds or thousands – or sometimes even in the millions – of
dollars.
As you get older, you don’t have a lot of those same financial responsibilities.
The house is paid off, the kids are grown, you retire, and you are no longer
dependent on income. But many people still want a way to cover their final
sendoff. Funeral costs can add up, so final expense is a way to provide your
family with the means to pay them during an already tough time.
If you are between 50 and 85, an end of life insurance policy may be right for
you if:
* You’re looking for enough coverage to pay for funeral or end of life
costs. Keep in mind that these policies top out at $40,000. If you need more
coverage, you might want to consider term or permanent life insurance if you
are young and healthy enough.
* You’ve been turned down for other types of policies because of your age or
health. You can apply for final expense life insurance, with no medical exam
required, even up to the age of 85.
* You’re looking to supplement your existing life insurance. If you want to
supplement your life insurance specifically to cover funeral expenses, then
final expense insurance could be the right option for you.
On the other hand, final expense insurance may not be right for you if:
* You still have big expenses. People who still have kids or other family
members who depend on their income are better off getting traditional life
insurance if they can. Some term life insurance companies will approve you
into your 70s and beyond.
* You have enough savings and assets to pay end of life costs. It’s definitely
true that not everyone needs it. Make sure to consider those extra costs that
can creep up at the end of life. You might have savings for your funeral, but
those unexpected medical bills can also cost your family, so make sure you’re
prepared.
Still wondering whether final expense insurance is a good fit? Give one of our
agents a call. They’ll walk you through all your options and costs, so you can
find the right solution for you and your family.
HOW DOES FINAL EXPENSE INSURANCE WORK?
Final expense is a type of permanent insurance, which means it will last for the
rest of your life once you buy it. The application process is quicker than many
other types of insurance, since it doesn’t require a medical exam. Wondering how
to get final expense life insurance? Here’s how the process works:
* When you apply. Start by thinking about your funeral plans and any other
bills you might incur, like medical bills or leftover debt, and add them up.
Then decide on a coverage amount that’s right for you, between $5,000 and
$40,000. You should also decide which type of final expense insurance is
best, based on your health and age. Simplified issue has a few health
questions, and guaranteed issue offers guaranteed coverage regardless of
health. eFinancial can help you weigh your options and decide what’s best for
you. Once you apply, the process is fast. You simply answer some basic
information and health questions if the policy requires it, and coverage
starts within days in most cases.
* Once you’re covered. Once you’re approved for final expense life insurance,
you’ll make regular payments on your policy. The payments don’t go up over
time, which can help with budgeting if you’re on a fixed income. Also, as
long as you keep up with premium payments, your coverage will last your whole
life. You can’t lose end of life insurance coverage, regardless of what
happens with your health. Just make sure to let your spouse or other family
members know about the policy, so they can access it when the time comes.
* After your death. Your family or other beneficiary will receive a lump sum
cash payout equal to your coverage amount. They can use this money for
whatever they need: to pay funeral costs, cover bills and leftover debts, or
save. Having a final expense plan in place can provide a financial safety net
for your loved ones during a difficult time
TOP MEDICARE INSURANCE CARRIERS
FREQUENTLY ASKED QUESTIONS
Welcome to our FAQ section, created to answer frequently posed insurance
questions.
? WHAT’S THE DIFFERENCE BETWEEN FINAL EXPENSE INSURANCE AND LIFE INSURANCE?
Final expense insurance is designed to pay for costs at the end of your life.
That can include funeral or burial expenses, medical bills or even credit card
debt. Since the average funeral costs $10,000 or more, final expense insurance
can help you protect your family from the financial stress of these costs.
Final expense insurance coverage amounts are much lower than typical life
insurance coverage, ranging from about $5,000 to $40,000. That means final
expense insurance is one of the most affordable types of coverage out there.
Some carriers guarantee your monthly premiums will never go up, which is
especially helpful if you live on a fixed income. Final expense insurance also
doesn’t require a medical exam, so even people who have had health issues can
often get covered.
? WHAT DOES FINAL EXPENSE INSURANCE COVER?
Final expense insurance typically offers a benefit between $5,000 and $40,000 to
help your family pay for your end of life costs. While your loved ones can use
the tax-free cash payout from final expense insurance on whatever they like,
people generally use it to pay for final expenses, including:
* funeral home fees
* burial or cremation costs
* a casket or urn
* a burial plot if you’re being buried
* other items for the ceremony, like flowers, music, and venue rental
People often also use final expense insurance for expenses like:
* medical bills
* credit card or other debts
* housing payments for a spouse, like a mortgage or assisted living facility
* money for a spouse to live on
* leaving a legacy for kids or grand kids
Once you pass away, your final expense insurance carrier will provide a cash
payment your family can use to pay expenses after your death.
? WHAT TYPES OF FINAL EXPENSE LIFE INSURANCE CAN I BUY?
There are two types of final expense life insurance:
* Simplified issue. Simplified issue final expense is a type of life insurance
that works well for people who may not qualify for a fully underwritten life
insurance policy, but are only considered moderate risk. You’ll have to
answer a detailed medical questionnaire, but there’s no medical exam
involved. Coverage amounts typically go up to $40,000, and final expense
insurance rates are more affordable than the other main type of final
expense, guaranteed issue.
* Guaranteed issue. Guaranteed issue is designed for individuals with serious
health conditions. There are no health questions or medical exams involved.
Anyone can be approved, as long as you meet the age requirements. This type
of insurance is more expensive and coverage amounts are lower than simplified
issue insurance, but it can help provide peace of mind if other types of
insurance are out of reach. Keep in mind that these policies also typically
have a graded period. If you die during the first few years of coverage, your
policy will just pay out the premiums you put in, plus interest. After those
first few years, the death benefit, and amount of coverage, is the same
throughout your lifetime.
Not sure what to pick? Final Expense Instant Quotes can help you choose what’s
best for you.
? WHAT KINDS OF RIDERS CAN I ADD TO MY FINAL EXPENSE LIFE INSURANCE?
Life insurance riders are features you can add to a life insurance policy to
customize your coverage even more. With final expense insurance, one of the most
important rider options is a living benefit rider. If you meet certain
qualifications, these riders allow you to use money from your death benefit to
help with expenses while you’re still alive.
? HOW MUCH FINAL EXPENSE COVERAGE SHOULD I BUY?
It depends on your situation. In addition to covering funeral costs, you’ll
probably want enough coverage to take care of any credit card debt or other
unpaid bills. Many people also want to cover their family’s household expenses
for a few months after they pass away. Finally, you should take inflation into
account. For a more accurate estimate and to get a final expense insurance
quote, give our team at eFinancial a call.
? CAN I USE FINAL EXPENSE INSURANCE AS BURIAL INSURANCE?
Yes, it’s possible to use final expense insurance as burial insurance for
seniors, funeral insurance for parents or to cover funeral costs for others who
may need it. You can also name a funeral home as the primary beneficiary and
list a loved one as a second beneficiary, who will receive any money that’s left
over after the funeral has been paid for. It’s important to confirm with the
funeral home that it accepts final expense life insurance for seniors as a form
of payment.
? CAN I BUY FINAL EXPENSE INSURANCE FOR MY PARENTS?
Yes, it’s possible as long as you meet certain requirements. It might be scary
or uncomfortable, but talking to your parents about final expense insurance can
help everyone feel better about what’s to come later. Start by having a
conversation with your parents about any critical aging issues and what they
want in terms of final arrangements, ideally by the time they’re 70. Ask them
questions about what kind of funeral they want, whether they would like to be
cremated or buried, and what kind of final expense insurance they might already
have in place. Depending on what they want, it’s important that they have enough
insurance to cover the maximum expected funeral costs, as well as any other
expenses, including medical bills. If you do decide to purchase final expense
insurance for your parents, you will need their consent, their Social Security
numbers, and a few other personal details. Learn more about buying final expense
insurance for a parent here.
? WILL MY FINAL EXPENSE DEATH BENEFIT BE TAXED?
In general, a final expense death benefit is tax-exempt. If the policy owner is
a person different from the beneficiary, though, the IRS might consider the
death benefit a taxable gift. Our Final Expense Instant Quotes agents can help
you understand the specifics of your individual plan. You should also consult
with your tax advisor for any specific tax concerns.
? WHAT’S THE DIFFERENCE BETWEEN PRE-NEED INSURANCE AND FINAL EXPENSE INSURANCE?
Pre-need insurance plans – also referred to as pre-need burial insurance or
prepaid insurance – are typically offered by funeral homes to pay for your
funeral service. They allow you to design your entire funeral service yourself
while also handling payment at the same time. The downside of these burial
insurance plans is that you can’t use the money you pay in premiums for anything
else, and you generally are locked into a specific funeral provider.
? WHAT ARE THE BENEFITS OF FINAL EXPENSE INSURANCE OVER USING MY SAVINGS?
Using your savings is certainly an option. Since many people have unexpected
medical costs or other unexpected expenses later in life, though, final expense
insurance can give you the assurance that your family will have enough to cover
these costs.
? WON’T PROVISIONS IN MY WILL OR MY SOCIAL SECURITY DEATH BENEFIT BE ENOUGH?
Relying on your will can be tough for your loved ones, since a will is typically
read after the funeral and it can take months after that for the will to be
settled fully. The Social Security life insurance benefit is only $255, far less
than the average cost of a funeral.
? WHEN IS IT TIME TO REVIEW MY POLICY?
Every few years or after a big life change, it’s a great idea to review your
final expense insurance policy. You want to be sure that your personal details,
like your address and billing information, are up to date. You also want to be
sure that your policy reflects your current family and financial situation.
Getting married or divorced, buying a home or changing jobs are all smart times
to connect with an Final Expense Instant Quotes agent about your coverage and
needs.
? HOW CAN I GET STARTED?
At Final Expense Instant Quotes, our agents are here to help you find
high-quality, affordable final expense insurance to meet your needs. To get
started, request a free, no-obligation final expense insurance quote online or
call 1.866.853.4791 to talk with one of our agents.
WHAT OUR CLIENTS SAYS
Final Expense We have been in business for over 14 years, helping people like
you plan for their end of life expenses.
This is our area of expertise, and we are fully committed to finding only the
best plans to suit your individual needs.
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