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Final Expense
PROTECT YOUR FAMILY FROM FINANCIAL BURDEN
Final expense insurance—sometimes called burial or funeral insurance—is designed to cover the costs your loved ones will face when you pass away. Funeral services, medical bills, outstanding debts, and related expenses can easily exceed $10,000 to $15,000 or more. Without proper planning, these costs fall on your family during an already difficult time. Final expense coverage ensures they can focus on honoring your memory instead of worrying about how to pay for it.
This type of policy is typically smaller in coverage amount than traditional life insurance—usually between $5,000 and $50,000—and features simplified underwriting, making it accessible even for seniors or those with health concerns. Premiums remain fixed, benefits are guaranteed, and policies build cash value over time. As an independent broker, Mark helps you find affordable coverage that matches your needs and gives your family the financial breathing room they deserve.
FINAL EXPENSE COVERAGE
ENSURING DIGNITY WITHOUT THE DEBT
Final expense policies provide immediate cash to your beneficiaries, allowing them to handle funeral arrangements, settle outstanding medical bills, and cover estate costs without depleting savings or going into debt during a vulnerable time.
These policies typically don’t require medical exams, offer guaranteed acceptance options for qualifying applicants, and feature level premiums that never increase—making them an accessible, predictable solution for end-of-life planning.
COMMON QUESTIONS
FREQUENTLY ASKED QUESTIONS
What does final expense insurance cover?
Final expense insurance provides a cash benefit to your beneficiaries to cover funeral costs, burial or cremation expenses, outstanding medical bills, legal fees, and any other end-of-life costs your family may face.
How much coverage do I need?
Coverage typically ranges from $5,000 to $50,000. The average funeral costs $7,000-$12,000, but consider additional expenses like medical bills, debts, and estate settlement. We’ll help you determine the right amount for your situation.
Can I qualify with health issues?
Yes. Many final expense policies offer simplified underwriting or guaranteed acceptance options. While rates may vary based on age and health, most people can qualify—even with pre-existing conditions that would disqualify them from traditional coverage.
How quickly do beneficiaries receive funds?
Most beneficiaries receive payment within 7-14 days after filing a claim with the required documentation. This quick payout helps families cover immediate expenses without waiting for estate settlement, which can take months.
What’s the difference between final expense and life insurance?
Final expense is a type of whole life insurance with smaller coverage amounts and simplified approval. Traditional life insurance offers larger benefits for income replacement, while final expense specifically targets end-of-life costs.
Will my premiums ever increase?
No. Final expense policies feature level premiums that remain fixed for life. Once you’re approved, your monthly payment never increases regardless of age or health changes, and your coverage remains guaranteed.
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