What Is the Best Final Expense Insurance in 2025 - PinnacleQuote

What Is the Best Final Expense Insurance in 2025

Planning for end-of-life expenses is a crucial step in ensuring your loved ones are not burdened financially. In 2025, selecting the best final expense insurance requires understanding available options, costs, and company reputations.

This guide explores top providers, policy details, and answers common questions to help you make an informed decision.

What Is Final Expense Insurance?

Final expense insurance, also known as burial or funeral insurance, is a type of whole life policy designed to cover end-of-life expenses, such as funeral costs, medical bills, and other debts. These policies typically offer coverage amounts ranging from $2,000 to $50,000, providing a financial safety net for your family.

How Much Does Final Expense Insurance Cost Per Month

The monthly premium for final expense insurance varies based on factors such as age, gender, health, and the chosen coverage amount. On average, a $10,000 policy may cost between $30 to $70 per month. For individuals over 70 or with significant health conditions, premiums might range from $70 to $120 per month.

Male Burial Insurance Rates

Age of Applicant $5,000 $10,000 $15,000
50 $15.37 $27.73 $40.08
55 $18.72 $34.43 $50.13
60 $22.72 $42.42 $62.13
65 $28.41 $53.82 $79.22
70 $36.47 $69.93 $103.38
75 $50.22 $97.43 $144.64
80 $71.44 $139.73 $207.99
85 $97.97 $192.74 $287.51
90 $176.59 $350.21 NA

Female Burial Insurance Rates

Age of Applicant $5,000 $10,000 $15,000
50 $12.86 $23.06 $33.08
55 $14.97 $26.94 $38.90
60 $18.04 $32.87 $47.70
65 $22.11 $41.01 $59.91
70 $28.07 $53.12 $78.18
75 $37.81 $72.41 $107.01
80 $50.82 $98.43 $146.05
85 $69.55 $135.90 $202.25
90 $149.69 $296.41 NA

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Top Final Expense Insurance Companies in 2025

Here are some reputable final expense insurance providers to consider:

Mutual of Omaha Living Promise Final Expense Insurance
Feature Details
Plan Options Level Benefit Plan
Graded Benefit Plan*
Issue Ages Level Benefit Plan: 45–85
Graded Benefit Plan: 45–80
Face Amounts Level Benefit: $2,000 – $50,000 (WA: $5,000 – $50,000)
Graded Benefit: $2,000 – $20,000 (WA: $5,000 – $20,000)
Death Benefit Structure Level Benefit: Full benefit paid immediately upon death.
Graded Benefit: Limited payout in first 2 years (premiums + 10%), full benefit after 2 years.
Accelerated Death Benefit Available for terminal illness or nursing home confinement (varies by state).
Optional Riders Accidental Death Benefit Rider
Underwriting No medical exams required; simplified underwriting with health questions.
Premiums Competitive premiums that fit most budgets.
State Availability Available in all states except AR, MT, NC.

Foresters PlanRight Whole Life Insurance
Feature Details
Plan Options PlanRight Preferred (Level Benefit)
PlanRight Standard (Level Benefit)
PlanRight Basic (Graded Benefit)
Issue Ages Based on underwriting and plan selection.
Face Amounts Preferred: Up to $35,000
Standard: Up to $20,000
Basic: Up to $15,000
Death Benefit Level Benefit (Preferred & Standard): Full payout immediately.
Graded Benefit (Basic): Return of premiums + 10% interest in first 2 years, full payout after.
Guaranteed Features Guaranteed level premiums, death benefit, and cash value accumulation.
Included Riders Accelerated Death Benefit (Terminal Illness)
Common Carrier Accidental Death Rider
Family Health Benefit Rider
Optional Rider Accidental Death Rider (Available with PlanRight Preferred)
Underwriting No medical exam required, based on answers to health questions.
State Availability Not available in OR, SC, or VA.

American-Amicable Senior Choice Final Expense Insurance
Feature Details
Plan Options Immediate Death Benefit (100% payout immediately)
Graded Death Benefit (30% year 1, 70% year 2, 100% year 3+)
Return of Premium (Premiums + 10% interest for 2-3 years, 100% payout after)
Guaranteed Benefits Premiums never increase, coverage never decreases, and cannot be canceled as long as premiums are paid.
Cash Value Accumulation Builds cash value over time, available for loans.
Included Riders Terminal Illness Accelerated Benefit (up to 100% payout if diagnosed with terminal illness)
Confined Care Accelerated Benefit (monthly payout if confined to a nursing home for 30+ days)
Optional Riders Grandchild Rider ($5,000 per unit, max 2 units)
Children’s Insurance Agreement Rider (up to $6,000 term coverage)
Nursing Home Waiver of Premium Rider (waives premium after 90 days in a nursing home)
Accidental Death Benefit Rider (extra payout for accidental death)
Underwriting No medical exam required; eligibility based on health questions and possible telephone interview.

SBLI Living Legacy Final Expense Insurance
Feature Details
Plan Options Level Benefit Plan (Preferred or Standard)
Modified Benefit Plan
Issue Ages 50-85
Face Amounts Level Benefit: $2,500 – $35,000 (varies by health class)
Modified Benefit: $2,500 – $20,000
Death Benefit Level Benefit: Full payout from day one.
Modified Benefit: 105% of premiums paid in year 1, 110% in year 2, full payout from year 3.
Guaranteed Benefits Fixed premiums, guaranteed non-cancelable as long as premiums are paid.
Underwriting No medical exam; instant decision based on application.
Additional Benefits Includes free access to **LegacyShield®**, which provides estate planning tools, digital document storage, and financial consolidation.

Aetna Protection Series Final Expense Insurance
Feature Details
Plan Type Final Expense Individual Whole Life Insurance
Coverage Amounts – Ages 45-55: $2,000 – $50,000
– Ages 56-65: $2,000 – $40,000
– Ages 66-75: $2,000 – $30,000
– Ages 76-89: $2,000 – $25,000
Guaranteed Benefits – Premiums never increase
– Benefits never decrease
– Guaranteed non-cancelable as long as premiums are paid
Accidental Death Benefit Pays 100% of the base policy’s face amount for accidental death (ages 40-70).
Children’s Term Insurance Rider – Provides coverage for children, stepchildren, grandchildren, and great-grandchildren.
– Available from $2,500 up to $10,000 per child.
– Convertible to whole life insurance between ages 22-25.
Cash Value & Non-Forfeiture Options – **Reduced Paid-Up Insurance**: Converts to a smaller policy if premiums stop.
– **Extended Term Insurance**: Provides full benefit for a limited time.
– **Automatic Premium Loan**: Uses cash value to cover missed payments.
Additional Features – 30-day free look period with full refund.
– Matches Social Security deposit schedule for easy payments.
– Super Preferred rate available for those with an Aetna Medicare Supplement policy issued in the last 180 days.

Aetna Accendo Final Expense Insurance
Feature Details
Plan Type Final Expense Individual Whole Life Insurance
Coverage Amounts – Ages 40-55: $2,000 – $50,000
– Ages 56-65: $2,000 – $40,000
– Ages 66-75: $2,000 – $30,000
– Ages 76-89: $2,000 – $25,000
Guaranteed Benefits – Fixed premiums for life
– Benefits never decrease
– Guaranteed non-cancelable as long as premiums are paid
Plan Options **Level Benefit Plan:** Full payout from policy issue date for both natural and accidental deaths.
**Modified Benefit Plan:** 110% of premiums paid in years 1-2, full payout from year 3 onward.
Included Riders – **Accelerated Death Benefit Rider:** Up to 50% payout if diagnosed with a terminal illness.
– **Accidental Death Benefit Rider:** 100% additional payout for accidental death (ages 40-70).
– **Children’s Term Insurance Rider:** Coverage for children/grandchildren (up to $10,000 per child).
Cash Value & Non-Forfeiture Options – **Reduced Paid-Up Insurance:** Converts to a smaller policy if premiums stop.
– **Extended Term Insurance:** Keeps full benefit in place for a limited time.
– **Automatic Premium Loan:** Uses cash value to cover missed payments.
Additional Features – 30-day free look period with full refund.
– Payments aligned with Social Security deposit schedule.
– Backed by Accendo Insurance Company, an Aetna and CVS Health affiliate.

Family Benefit Life – Golden Eagle Final Expense Insurance
Feature Details
Plan Type Simplified Issue Whole Life Insurance
Coverage Amounts – **Level Benefit Plan:** $2,500 – $25,000
– **Graded Benefit Plan:** $2,000 – $10,000
Guaranteed Benefits – **Fixed Premiums:** Premiums never increase.
– **Guaranteed Death Benefit:** Face amount never decreases.
– **Non-Cancelable:** Coverage cannot be canceled as long as premiums are paid.
Accelerated Living Benefit – 100% payout if diagnosed with a terminal illness with a life expectancy of 12 months or less.
Nursing Home Confinement Benefit – Accelerated benefit if continuously confined to a **Qualified Nursing Home** until death.
Underwriting – No medical exam required.
– Eligibility based on answers to health questions.
Payment Options – Flexible payment options: **Annual, Semi-Annual, Quarterly, Monthly (automatic deduction)**.

Royal Neighbors Ensured Legacy Final Expense Insurance
Feature Details
Plan Type Whole Life Final Expense Insurance
Coverage Amounts – **Simplified Issue:** $5,000 – $40,000
– **Graded Death Benefit:** $5,000 – $20,000
– **Guaranteed Issue:** $3,000 – $10,000
Issue Ages – **Simplified Issue:** 50-85 (Standard), 50-75 (Preferred)
– **Graded Death Benefit:** 50-85
– **Guaranteed Issue:** 50-80
Guaranteed Benefits – **Fixed Premiums:** Premiums never increase.
– **Guaranteed Death Benefit:** Face amount never decreases.
– **Non-Cancelable:** Policy remains active as long as premiums are paid.
Included Riders – **Accelerated Death Benefit Rider:** Access part of benefit for terminal illness.
– **Accidental Death Benefit Rider:** Additional payout for accidental death.
– **Charitable Giving Rider:** 1% of face amount donated to a registered charity (up to $1,000).
– **Grandchild Rider:** $5,000 coverage for grandchildren.
Payment Options – Flexible payment options: **Monthly, Quarterly, Annually**

CICA Allegiant Superior Choice Final Expense Insurance
Feature Details
Plan Type Whole Life Final Expense Insurance
Plan Options – **Superior Choice – Standard Issue** (Simplified Underwritten Whole Life)
– **Superior Choice – Guaranteed Issue** (No Medical Questions)
Issue Ages – 0 to 85 (Age last birthday)
Coverage Amounts **Standard Issue:**
– Ages 0-50: $1,000 – $30,000
– Ages 51-70: $1,000 – $20,000
– Ages 71-85: $1,000 – $10,000

**Guaranteed Issue:**
– Ages 0-70: $1,000 – $30,000
– Ages 71-85: $1,000 – $10,000
Guaranteed Benefits – **Fixed Premiums:** Premiums never increase.
– **Guaranteed Death Benefit:** Face amount never decreases.
– **Non-Cancelable:** Policy remains active as long as premiums are paid.
Included Riders – **Terminal Illness Accelerated Death Benefit** (Up to $15,000 payout)
– **Accidental Death Benefit** (Up to $30,000, coverage ends at 85)
– **Dismemberment Benefit** (Varies by type of dismemberment)
Nonforfeiture Options – **Reduced Paid-Up Insurance**: Keeps coverage at a lower amount if premiums stop.
– **Extended Term Insurance**: Maintains full benefit for a limited period.
– **Automatic Premium Loan**: Uses policy cash value to cover missed payments.
Underwriting Advantages **No Questions Asked for Guaranteed Issue!**
Unlike competitors, **no questions** on:
– Height & Weight
– Tobacco Usage
– Prescription Checks
– Medical Information Bureau Reports

GTL Heritage Plan Final Expense Insurance
Feature Details
Plan Type Graded Benefit Whole Life Insurance
Issue Ages 50-90 years
Coverage Amounts – **Ages 50-85:** $2,500 – $20,000
– **Ages 86-90:** $2,500 – $10,000
Death Benefit – **Year 1:** Premiums paid + 5%
– **Year 2:** 50% of the face amount
– **Year 3+:** 100% of the face amount
– **Accidental Death:** Full face amount paid in years 1 and 2.
Guaranteed Benefits – Premiums never increase.
– Coverage cannot be canceled as long as premiums are paid.
– Builds cash value over time.
Application Process – **No Medical Exam Required**
– Simple application process
Temporary Accidental Death Benefit – Pays full face amount if death occurs due to an accident within the first two years.
Exclusions – Suicide within the first 2 years (refund of premiums paid).
– Exclusions for accidental death due to illegal activities, intoxication, extreme sports, and war.

GPM Life Final Expense Insurance
Feature Details
Plan Type Simplified Issue Whole Life Insurance
Plan Options – **Level Death Benefit (LDB):** Full payout from day one.
– **Graded Death Benefit (GDB):** 30% payout in year 1, 70% in year 2, full payout after 24 months.
– **Modified Benefit Whole Life (MBWL):** Refund of premiums + 10% interest in the first 2 years, full payout after.
Issue Ages – **LDB:** 50-75 ($3,000 – $35,000), 76-79 ($3,000 – $10,000)
– **GDB:** 50-75 ($3,000 – $25,000), 76-79 ($3,000 – $10,000)
– **MBWL:** 50-79 ($3,000 – $10,000)
Guaranteed Benefits – **Fixed Premiums:** Premiums never increase.
– **Guaranteed Death Benefit:** Coverage will never decrease.
– **Cash Value Accumulation:** Can be accessed through policy loans.
Accidental Death Benefit Rider – Available on **Level Death Benefit Plan**.
– Pays an additional death benefit if death is caused by an accident.
Underwriting Process – No medical exam required.
– Simple health questionnaire determines eligibility.
Payment Options – Flexible payments: **Annual, Semi-Annual, Monthly EFT.**
– Premiums drafted directly from checking or savings accounts.

Gerber Life Guaranteed Life Insurance
Feature Details
Plan Type Guaranteed Issue Whole Life Insurance
Issue Ages 50-80 years
Coverage Amounts – **$5,000 – $25,000** (Maximum $15,000 in South Dakota)
– No medical exam required
Guaranteed Acceptance – No medical exams or health questions.
– Guaranteed approval for U.S. citizens and legal residents.
Premiums – Fixed for life, never increasing.
Graded Death Benefit – **First 2 years:** Pays **110% of premiums** for non-accidental death.
– **After 2 years:** Full face amount paid for any cause.
Accidental Death Benefit – Full face amount paid in **all years** for accidental death.
Tax Benefits – Death benefit is **not taxable** under current federal laws when paid to a beneficiary.
Company Strength – Rated **A (Excellent)** by A.M. Best.
– Over **50 years of experience** in life insurance.

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Is Final Expense Insurance Worth It

Final expense insurance can be a worthwhile investment for those who do not have sufficient savings to cover end-of-life expenses. It ensures that funeral costs and other debts do not become a financial burden on your family.

However, if you have adequate savings or existing life insurance policies that can cover these costs, an additional final expense policy may not be necessary.

How Fast Does Final Expense Insurance Pay Out

Final expense insurance policies are designed to provide quick payouts to beneficiaries, often within 24 to 48 hours after the claim is approved. This prompt payment helps families manage immediate expenses related to funerals and other end-of-life costs without financial strain.

Funeral Insurance For Parents

For life insurance carriers, as long as you have “insurable interest”, you are able to purchase life insurance for your mom and/or dad. “Insurable interest” shows the company that you will suffer a financial loss in the event of their death. 

How to buy burial insurance for parents? Call PinnacleQuote Life Insurance Specialists. I am the owner and agent. (Danny Ray) I do everything life insurance.

However, speak to Lisamarie for burial insurance. She is a state-licensed field underwriter.  She does the field underwriting for the top insurance carriers and will know who to get you qualified with and find you the best rates!

Funeral Insurance For Seniors

What Is The Big Deal About Final Expense For Life Insurance For Seniors?

I’m not going to know the difference after I’m dead, anyway. Why bother? If this is how you feel?  Imagine your spouse or significant other, grieving over your death while also having the added burden of trying to figure out how to pay for your burial or cremation and your funeral.

The average cost of a funeral runs around $10,000.00. When you add to that the price of things such as a headstone and burial plot, we’re talking a huge chunk of change.

It’s important to know what your loved one final wishes are and the difference between burial vs cremation life insurance.

For retirees who may be living from paycheck to paycheck, this is devastating so it is key to have seniors funeral insurance. The less expensive alternative is cremation. The cost of cremation will depend on where you live and your personal choices of the services offered. You can expect the price to run anywhere from $700.00 to around $3000.00.

This is quite a price difference. You will most likely have unpaid medical bills. Most people, at the time of their death, leave some form of current debt in the form of credit cards, mortgage payments, etc.

Do you have Children?

Possibly you have children to consider.  For one thing, you can have the peace of mind that comes with providing for these expenses before your death. Loved ones won’t be left struggling to pay those bills or potentially lose the family home

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Can I Still Get final Expense Life Insurance For Seniors If I have A Pre Existing Health Condition

It is entirely possible to obtain final expense life insurance for seniors with pre-existing conditions. Depending on your particular state of health and your age, you may expect to pay more.

It is comforting to know that there are companies that specialize in insuring high-risk individuals. Their primary concern will be how life-threatening your condition is.

However, you might feel relieved to know that insurance companies are adjusting to the fact that medicine is advancing and treatments are improving.

People with serious illnesses are living longer. There are beginning to be lower rates for people with some pre-existing conditions.

It is in your best interest to make an effort. Speak with a dependable and experienced insurance agent. They can guide you and will do everything they can to get you approved. There is no charge for this service.

In fact, even with major health impairments, there is a guaranteed acceptance life insurance policy that is for burial insurance for seniors over 80.

PinnacleQuote will help make the process so simplistic…

What Is the Difference Between Whole Life and Final Expense Insurance

While both whole life and final expense insurance are permanent life insurance policies, they differ in coverage amounts and purposes:

  • Whole Life Insurance: Offers higher coverage amounts, typically starting from $100,000, and can serve as income replacement or estate planning tools.
  • Final Expense Insurance: Provides lower coverage amounts, usually between $2,000 and $50,000, specifically intended to cover funeral costs and related expenses.

Final expense insurance is often more accessible to seniors and those with health issues, as it may not require a medical exam and has simplified underwriting processes.

What Kinds Of Final Expense Policies or Burial Insurance Are There

Do life insurance policies cover funeral costs? There are several types of life insurance designed to cover final expense life insurance for seniors. Your agent can help you choose the right one for your needs.

  • Term life insurance: This type of policy delivers death benefits for a specific time range from 5 to 30 years. It is basic and less expensive insurance. As such, it is difficult to get if you are over 70 years of age.
  • Burial insuranceThis is usually a term life insurance policy offering sufficient benefits to cover your planned burial expenses. Burial Insurance is affordable coverage that can is processed easily and quickly and is a favorite choice of seniors on a budget.
  • Permanent life insurance: This is a final expense policy which is also commonly referred to as whole life or universal life, this type of insurance policy offers more than just final expense coverage. It covers you for life and comes with cash value accumulation as well.
  • Pre-need funeral insurance: This an alternative to burial insurance and you may purchase it through a funeral service provider for a specific funeral home. It features an installment payment plan that can extend for 1 to 10 years and remains in effect for your entire life after you have paid all the premiums. Seniors often choose this type of policy because it allows them to be in charge of their funeral plans rather than leaving the details up to their loved ones.
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How Does Final Expense Life Insurance Work

Taking Care Of Your Senior Citizen Burial Insurance or Final Expenses Before Your Death

If you decide to take this route, it is advisable to go with a reputable funeral home who is not likely to go out of business before your final day arrives.

Also, do your homework and be knowledgeable about the many options they offer and for what you are paying. Some options are just that — options. You may not need or want some of the bells and whistles. For burial insurance for elderly citizens should not be complicated.

Funeral life insurance for seniors is very important to not leave a burden on your loved ones when your no longer here. Call us today to go over final expense life insurance for seniors.

How Long Does The Process For Final Expense Policies Take

Your time is valuable.

Great news! It will only take a few minutes of your time for your agent to speak with you over the phone.   As a matter of fact, an experienced agent will have no problem helping you to choose just the right company for you.  

They can guide you smoothly through the application and answer any questions you may have regarding burial insurance for seniors or final expense life insurance for seniors. ext here…

The underwriting process is another story and will come down to whether or not you choose a policy that requires a medical exam. A simple answer would be 4 – 8 weeks for a traditional plan and just days for a no exam policy. But there is more to know.

A no exam policy

A no exam policy is the speedier way to go without a doubt. Keep in mind that choosing a no medical exam policy does not eliminate the need for an underwriter. All final expense and burial policies are simplified issued. Even so, you could still obtain approval within about a week. No needles or poking around and fast, to boot. Awesome! Right?

Well, that is, if they approve you without taking a look at your medical records. If they dig into your health history, it may not be as speedy as you had hoped.

Wait! Maybe you don’t precisely understand what an underwriter does. Indeed, a lot of people don’t. Really. Let’s clear that up right now. Simply put, they are highly trained professionals who work for insurance companies.

Underwriters review all the available information as to the extent of the risk of insuring you. They have to determine if it would be profitable for the insurance company to take a chance on you. Finally, they must set the premiums you will pay based on their assessment.

Final Expense Life Insurance No Medical Exam

Information On Final Expense Life Insurance That Will Help Affect Your Decision

There is more information of which you should be aware that may affect your decision of whether or not to go with a no exam policy. It is also important to know what options for life insurance are available with burial insurance for seniors.

Even though you won’t be required to endure a medical exam, there will be a few health-related questions that you will be required to answer on your application.

This questionnaire may be followed up by a phone interview with the underwriter who will ask most of those same questions, again. You will be asked things like when you last visited your doctor and for what purpose.

They will undoubtedly ask if you smoke. They are merely looking for health conditions that might affect your life expectancy.

Also, they have to be completely confident when they review the medical records that they don’t accidentally mix you up with someone else who has similar identifiers.

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Preparing For Your Final Expense

Phone Interview With Your Agent.

In preparing for final expense life insurance for seniors policies and/or Burial Insurance it will not be a lengthy interview. Be aware that it is pertinent that you are completely honest with your answers.

Insurers have access to medical databases. If you lie or it appears you are trying to hide a medical condition, it is highly likely they will know. Actually, Even if you think they never noticed, to lie or dance around the truth to obtain a life insurance policy is a fraud.

If the Insurer discovers it after your death, the plan will be null and void. Truthful answers are the only way you can be sure that the final expense benefits will pay off when the time comes.

Be aware, that in addition to these facts, the cost for no exam insurance is 10% – 40% more than if you just go ahead and get the exam.

In fact, the traditional life insurance policy with a medical exam is a more affordable choice even though it takes much longer to process.

Is It Possible For Me To Purchase A Final Expense Policy For My Elderly Spouse

Yes, you can find a cheap burial insurance policy, ( or funeral insurance) but there are conditions. You cannot purchase this type of insurance without the involvement of the person in question.

The individual for whom you are hoping to provide coverage must know about the purchase, understand it, and agree to it. They must be able to sign the application. You may offer a helping hand in the process and even pay for the policy but only with the person’s consent.

You will need to show that you have an insurable interest. To emphasize, insurance companies cannot legally insure a third person without confirmed insurable interest. This occurs when you would undoubtedly suffer financial hardship in the event of the death of the person in question.

Moreover, examples would be when two cohabiting adults share household expenses. keep in mind, if one person dies, the other could be in danger of losing the home.

Perhaps, the person left behind would be left responsible for the funeral expenses. Once the policy is in effect, you will be able to go online and make changes to details such as the designated beneficiary if it is necessary to do so.

What To Do Now…

  1. Again, think about precisely what it is that you want to accomplish with Burial and Final Expense Life Insurance.
  2. Take a good look at your budget to decide what you can afford.
  3. Fill out the Instant Quote Box to the left, get a quote in seconds
  4. Call 855-380-3300
  5. Make that call and speak with an experienced agent who can walk you through the application process and answer any questions you may have.
  6. Or Visit, www.PinnacleQuote.com click on “Instant Quote”
  7. Or Email, in**@Pi***********.com. We are based in Jacksonville, Florida and licensed in 49 states!
  8. Smile and relax, knowing you have successfully handled one of life’s most important responsibilities.
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Reminder:

Above all, Final Expense Coverage is extremely important.  “Go Fund Me” accounts are not life insurance. In Fact,  many people think this is the only option, however, life insurance guarantees all your expenses will be taken care of without leaving a burden on your family. Call today to get the most affordable final expense insurance rates!

More information about Final Expense, Click Here.

FAQ

How Does Burial Insurance Differ from Standard Life Insurance?

Burial insurance typically offers a smaller coverage amount compared to standard life insurance and is specifically intended to cover end-of-life expenses.

What Are the Age Requirements for Burial Insurance?

Most burial insurance policies are available to seniors, often starting from age 50 and up, with some plans available up to age 85 or even 90.

Is a Medical Exam Required for Seniors to Get Burial Insurance?

Most burial insurance policies for seniors do not require a medical exam. They often involve answering a few health questions or may be offered as guaranteed issue with no health questions.

How Much Coverage Can Seniors Get with Burial Insurance?

Coverage amounts typically range from $2,000 to $25,000, depending on the policy and the insurer.

What Factors Affect the Cost of Burial Insurance for Seniors?

Premiums are generally influenced by age, gender, health status, and the amount of coverage purchased.

Can Seniors with Pre-existing Health Conditions Get Burial Insurance?

Yes, many policies are available for seniors with pre-existing conditions, though the terms and premiums may vary.

What Happens if a Senior Outlives Their Burial Insurance Policy?

As a type of whole life insurance, burial insurance does not expire as long as premiums are paid, and it pays out the death benefit regardless of when the insured passes away.

Can Burial Insurance Be Purchased Jointly for Couples?

Some insurers offer joint policies for couples, but it’s more common for individuals to purchase separate policies.

How Can Seniors Ensure Their Funeral Wishes Are Honored?

Along with purchasing burial insurance, it’s important to communicate funeral wishes to family members and possibly detail them in a will or estate plan.

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Conclusion

A final expense life insurance for seniors is a permanent life insurance policy designed to cover immediate expenses related to an insured’s death — funeral, burial, medical bills, etc. But wait! There’s more! This type of coverage also provides additional benefits that may be useful in retirement or even during one’s lifetime. For example, if you have this type of plan and are diagnosed with cancer before age 60 (the earliest eligibility), your monthly benefit will increase by 10%. And there are other perks too: If you live past the maximum age listed on your contract without filing a claim some plans provide income tax deductions while others offer free accidental death and dismemberment protection for children under 18 years old. What do you think?

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