Final Expense Insurance

What Is Final Expense?

Losing a loved one can be an overwhelming experience with decisions to be made regarding funeral plans. Final expense insurance covers the funeral costs of the departed, which saves family members from the stress of a large expense.

Final expense insurance vs. life insurance

Similar to final expense insurance, life insurance also pays the beneficiary upon the death of the insured. However, there are significant differences between these policies.

Life insurance often requires a medical exam and can be denied if an applicant has a preexisting chronic condition. A life policy is purchased for high dollar amounts, often beginning at $10,000, which makes the premiums higher.

There is no medical exam required for final expense insurance. Most applicants are qualified after answering a health questionnaire. The face value of a final expense policy is much smaller than traditional life insurance policies, which results in a lower premium.

What are the benefits of final expense insurance?

Final expense insurance can help your family when they need it most. Here are a few benefits to purchasing a final expense policy:

  • It is designed to pay out immediately.
  • Rates never increase, and benefits never decrease.
  • Most people can easily qualify.
  • It is a more affordable alternative to life insurance.
  • If you are not sure whether final expense insurance is for you, we can answer your questions. Call us today, and we can help you protect your family’s future.

Testimonials

“By the way, as I said, my husband went in for a knee replacement, had a stroke and was there 3 weeks and then needed a nursing home/rehab place.

The one recommended to us was fully covered by Mutual of Omaha. Had we chosen the Medicare Advantage plan, he wouldn’t have been able to go there. They won’t pay. the hospital person helping me was relieved to here we had straight Medicare and a supplemental.”

-Chris, Happy Customer

Testimonials

"Well THANK YOU SWEET GIRL, this morning I need some good news to start my day off. All of you have been so easy to work with and helpful, I cannot imagine doing this on my own. You have saved my insanity and I appreciate all that you and Arlene have done for me!!! Your Friend Forever!"

-Audrey (Patty) S, Happy Customer

Testimonials

Matt, I want to say a GREAT BIG THANK YOU for all your assistance in helping me make my decision on my Medicare supplement. You were so willing to take the time and explain my options. I have already recommended you to others and will continue to do so. You are the best.

-Carlene, Happy Customer

Testimonials

Jim, Just a quick note to say Thank You for your help in selecting a Medicare supplement plan. Your simple as 1,2,3 explanation clarified for me how Medicare works and helped me make a decision after a month or so of sorting thru a myriad of paperwork and plans that I could not figure out on my own.

-Jed K, Happy Customer

Testimonials

I would like to thank you for helping me with my Medicare Supplement Plan. It can be a very confusing time trying to sort out everything. Mr. Fred Lewis is truly a great asset to your company. He explained everything in a very logical and concise manner. He had a lot of patience for all of the questions that I asked. He always was able to answer them and make me feel comfortable about everything. When Fred told me that somebody else would contact me about the drug plan, that is exactly what happened. Everything that Fred told me would be sent to me, was. I really appreciated the time and knowledge that was put into helping me. I now feel much better knowing that everything has been taken care of and handled.
I would recommend your company to anyone who is interested in getting a Medicare Supplement Plan. Thank you again for all of your help and for Mr. Fred Lewis.

-Margaret M, Happy Customer

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