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Help take the financial burden off your loved ones.

You can’t always control what happens to you and your family. With final expense whole life insurance (also referred to as funeral or burial insurance), you can help protect their financial security, future and peace of mind – so that money doesn’t have to be the main focus.

Final expense life insurance is a type of whole life insurance policy, but it’s less expensive and made to help loved ones prepare for the costs that come in the final stage of life. Surprisingly, final expenses can quickly add up to thousands of dollars. Having a final expense insurance plan can ease the financial burden and allow your family to focus on healing.

The average cost of a funeral is $7,848 – $9,000

Guaranteed Whole life insurance is a type of permanent life insurance coverage designed to help provide protection for your family by locking in benefits that can help pay for end-of-life expenses, as well as cash value that can be accessed in an emergency.

What you’ll receive:

• Guaranteed acceptance for ages 45-85
• Pays cash benefits – Coverage amounts: $2,000 – $35,000
• Benefits that are never reduced or expire because of age or health
• No medical exams – Simple application
• Affordable rates that never increase
• In most cases, No Waiting Period
• Lifetime coverage
• Full Coverage the first day – Fast Approval process
• Ability to build cash value over time that you can borrow from

Final expense insurance can help. The payout comes with no strings attached, so your family can use it to pay for:

• A funeral service
• Burial or cremation
• A post-funeral gathering
• Flowers, music, obituary, or other funeral arrangements
• Medical Bills
• Help to pay utility bills and food
• Nursing home or other residential care
• A nest egg for a child or grandchild’s future
• A special trip or pay for family travel for funeral
• Legal and accounting cost
• A donation to a charity that’s meaningful to you or the deceased

Is final expense insurance right for you?

Plan on having your estate or Social Security pay for your funeral? Those sources have limitations. Relying on your will to cover final costs can be tough on your family, since it’s typically read after the funeral and can take months to be settled. Social Security life insurance makes a one-time death payment of $255 if you qualify – far less than the average cost of a funeral.

Final expense can provide your family with access to thousands of dollars quickly after your death with no waiting periods, giving them a way to pay for expenses in the weeks and months right after your death.

For people between 50 and 85, final expense insurance is an affordable way to give your family peace of mind during a difficult time. If you have an existing life insurance policy, a final expense plan can also offer guaranteed death benefits to cover unexpected expenses.

Affordable, Guaranteed Acceptance Whole Life Insurance means you can’t be turned down because of your health, or any reason. Death benefit can sometimes be limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Any loans from a policy’s cash value are subject to interest and the balance is deducted from your death benefit.

When you’re approved and as long as you make your payments, your coverage is guaranteed to never decrease or be cancelled—even if you develop cancer or other serious health conditions.

Exclusions and Limitations

On specific and stated occasions, during the first two years, if you die from natural causes (any cause other than accidental), your beneficiaries will receive all premiums paid, plus 10%. After two years, the full benefit is paid for death due to all causes. For accidental death – independent of sickness and all other causes – full benefits are paid from the first day policy is issued. (All benefits will be paid less any outstanding loan.)