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"I was totally lost trying to find the right Final Expense Life Insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
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"I lost hope trying to find a Final Expense Life Insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Final Expense Life Insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family’s financial safety.
Build Your Legacy
Through a life insurance policy, you can leave behind a legacy for your loved ones.
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All your Final Expense Life Insurance needs in one place.
Final expense insurance, often referred to as burial or funeral insurance, is a type of life insurance policy that covers end-of-life expenses. Unlike traditional life insurance, which provides benefits for your dependents, final expense insurance is specifically designed to cover the costs of a funeral and burial, medical bills, and other smaller debts you may leave behind. The goal is to relieve your loved ones of financial responsibilities associated with your demise, ensuring that the burden does not fall on their shoulders during an already difficult time.
The unique feature of final expense insurance is its simplicity and affordability. The premiums are usually lower compared to a traditional life insurance policy, and coverage often ranges anywhere from $5,000 to $25,000. Furthermore, these policies typically don’t require a full medical exam, making them accessible for seniors or individuals with health conditions. They are also known for their straightforwardness, as the payout goes directly to the beneficiary who can then use the funds where needed most.
Investing in final expense insurance can provide peace of mind for you and your loved ones, knowing that end-of-life expenses are covered. It’s an excellent way to plan for the inevitable, safeguarding your family from facing financial stress while they are mourning. This type of insurance coverage plays a vital role in comprehensive end-of-life planning and is geared towards creating a smooth financial transition for your loved ones.
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Real PolicyHub testimonials...
"I knew I needed Final Expense Life Insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
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Roy Stephens
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Final Expense Life Insurance agent
Mark Sidway is a Final Expense Life Insurance agent licensed in your state.
Cale Reeves
Final Expense Life Insurance agent
Cale Reeves is a Final Expense Life Insurance agent licensed in your state.
"I was searching for Final Expense Life Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you’re getting the best price for Final Expense Life Insurance.
Frequent Questions...
Final expense insurance, also known as burial insurance or final expense burial insurance, is a type of life insurance policy designed to cover the costs associated with a person’s final expenses, such as funeral costs, medical bills, and other end-of-life expenses. Unlike traditional life insurance, it typically has a lower coverage amount and is easier to get approved for, making it a popular option for seniors.
Who should consider final expense insurance?
This insurance is ideal for individuals who are concerned about leaving a financial burden, such as funeral expenses and medical bills, to their loved ones. It is commonly purchased as final expense insurance for seniors, or individuals with significant health issues who may not qualify for traditional life insurance.
How much does final expense insurance cost?
The cost of a final expense policy varies based on several factors, including your age, health, and the amount of coverage you choose. Premiums are generally affordable and are designed to remain level for the life of the policy.
How much coverage does final expense insurance provide?
Final expense insurance typically offers lower coverage amounts than traditional life insurance, generally ranging from $5,000 to $50,000. This amount is designed to be sufficient to cover funeral costs and other end-of-life expenses.
Is a medical exam required for final expense insurance?
Most final expense life insurance companies do not require a medical exam. Instead, applicants usually need to answer a few health-related questions, making the application process quicker and easier than that of traditional life insurance.
Final expense life insurance for seniors is specifically designed to cover end-of-life costs and typically has lower coverage amounts and easier qualification criteria compared to traditional life insurance. Traditional life insurance, on the other hand, is often intended to replace lost income or pay off large debts.
Can the final expense insurance payout be used for anything other than funeral expenses?
Yes, the death benefit from a final expense insurance policy can generally be used for any purpose. This means beneficiaries can use the funds for medical bills, unpaid debts, or any other expenses, in addition to funeral costs.
Are the premiums for final expense insurance guaranteed to stay the same?
Most final expense insurance companies offer policies with level premiums, meaning your premiums will stay the same for the life of the policy. However, it’s important to carefully read the terms of your policy to confirm this.
What happens if I outlive my final expense insurance policy?
Final expense insurance is typically senior final expense life insurance, meaning it lasts for your entire life as long as premiums are paid. Unlike term life insurance, there is no expiration date, so you won’t outlive the policy.
How can I purchase final expense insurance?
Final expense insurance can be purchased through an insurance agent or broker, directly from one of the best final expense insurance companies, or sometimes through various organizations or associations. It’s advisable to compare final expense insurance quotes from multiple providers to find the best final expense insurance that meets your needs and budget.
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