Frequently Asked Questions

Final expense coverage is life insurance designed to help cover funeral, burial, and other end-of-life expenses. It ensures your loved ones are not burdened with unexpected costs during an already difficult time. The benefit is paid directly to your beneficiaries who can use it for funeral costs, medical bills, or any other expenses.

Most adults between the ages of 45 and 85 are eligible to apply. We offer simplified issue policies that ask a few health questions, and guaranteed issue policies that require no medical exam and are available for ages 50-85 with no health questions at all.

Coverage amounts depend on your individual needs and budget. The average funeral costs between $7,000 and $12,000, but many families choose coverage between $5,000 and $25,000 to also cover medical bills, outstanding debts, or to leave something extra for their loved ones. Our licensed agents can help you determine the right amount for your situation.

Final expense insurance provides a death benefit that can be used for funeral and burial costs, cremation expenses, memorial services, outstanding medical bills, credit card debt, and other final expenses. Your beneficiaries have complete flexibility in how they use the funds.

No! Most of our policies do not require a medical exam. We offer simplified issue policies with just a few health questions, and guaranteed issue policies with no health questions at all. This makes the application process quick and easy.

Many applicants are approved instantly and can start coverage the same day. For simplified issue policies, if you answer "no" to all health questions, you may receive immediate approval. Guaranteed issue policies are approved automatically once the application is complete.

It depends on the policy type. Simplified issue policies typically have immediate coverage for accidental death and full coverage after a short waiting period (usually 2 years) for natural death. Guaranteed issue policies may have a graded benefit period where the full death benefit is available after 2-3 years. Your agent will explain the exact terms when you apply.

With our guaranteed issue policies, you cannot be denied coverage if you're between ages 50-85. These policies require no health questions or medical exams. For simplified issue policies, coverage depends on your answers to a few basic health questions, but approval rates are very high.

Monthly premiums start as low as $15 per month and vary based on your age, health, coverage amount, and policy type. We offer flexible payment options to fit any budget. Contact us for a personalized quote based on your specific needs.

No! Once your policy is approved and your first payment is made, your premium rate is locked in for life. This means you'll have predictable monthly payments that never increase, giving you peace of mind and making budgeting easier.

We accept automatic bank withdrawals (ACH), credit cards, and debit cards. Most customers choose automatic monthly payments for convenience, but we also offer quarterly, semi-annual, and annual payment options.

Most policies have a grace period of 30-31 days during which your coverage remains active. If payment is not received during the grace period, your policy may lapse. However, we'll work with you to keep your coverage active and many policies have reinstatement options.

Yes! While designed for burial and final expenses, beneficiaries receive a lump sum payment that they can use for any purpose - funeral costs, medical bills, outstanding debts, living expenses, or anything else they need.

Filing a claim is simple. Your beneficiary contacts us, provides a certified copy of the death certificate and completes a claim form. We process claims quickly, and most beneficiaries receive payment within 7-14 business days. Our support team is available 24/7 to help with any questions.

Yes, you can change your beneficiaries at any time by contacting us and completing a beneficiary change form. We recommend reviewing your beneficiaries periodically to ensure they reflect your current wishes.

Many of our whole life final expense policies do build cash value over time that you can borrow against if needed. The cash value grows tax-deferred and can provide additional financial flexibility. Your agent can explain the cash value features of your specific policy.