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Life and final expense policies built around your family’s needs.
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The Right Life & Final Expense Policies Give You:
Peace of Mind
Life and final expense insurance provides you and your family with stability and safety. In the event of your passing, they’ll be able to use your policy to replace lost income, cover medical expenses and support your children’s needs.
Affordable Protection
You can get covered for as little as $1 a day—for a healthy 45 year old, coverage can be as inexpensive as $30 a month or less for $250,000 of coverage. Need more coverage? We can help you evaluate your lifestyle, income and debts to build the perfect plan for you.
Financial Flexibility
You can choose from whole life plans with indefinite coverage, or choose a term plan for shorter-term protection. Whether you’d like a 10 or 30 year plan, we’ll help you get your family the right coverage when they need it.
How Much Coverage Do I Need?
Not sure how much coverage you’ll need for your family? Here are some factors to consider when comparing life and final expense insurance plans:
- Your annual income & debt – You’ll want to make sure that your policy benefits are sufficient to cover your outstanding debts and provide a replacement for lost income.
- Your lifestyle, assets & activities – Each family’s needs are unique. We’ll help you determine the right coverage to meet any special needs your family may have.
- Your savings – If you’re already putting away money each month, keep up the good work. Combining savings with a complementary life insurance policy will allow your family to replace lost income.
When Should I Get Covered?
It’s never too soon to start planning your family’s future. If you’re thinking about providing your family with the safety net offered by a life or final expense policy, here’s what you should know about when to get started:
- Life & your health – Life policies are generally more affordable when you’re healthy, so it’s best to purchase early before you have an imminent need for life insurance. However, if you’re already ill, you may qualify for life insurance, regardless of existing conditions.
- Medical exams – You’ll never need to take a medical exam to qualify for final expense insurance coverage, so getting enrolled is simple.
- What’s covered – Final expense policies can be used to cover any expense, not just funeral and burial costs. Certain critical and terminal illness may qualify you to receive up to 75% of your benefits in advance to cover medical expenses.
Term & Whole Life Plans
Not sure whether term or whole life coverage is right for your family? Here’s a few things you should consider before getting started:
- Financial flexibility – If you anticipate your family’s needs or your income changing in the near future, a term policy allows you to reevaluate your coverage needs and can offer a great blend of financial flexibility and ample benefits.
- Buying early – The younger and healthier you are when you purchase a life insurance policy, the more you’ll save.
- Your family’s needs – Always consider your family’s long-term needs when comparing life insurance policies. For instance, if you have very young children, you should plan to keep them covered into adulthood.
Get a Free Quote
Ready to get a free quote on life or final expense insurance for you and your family? Discover your coverage options and get a free quote on an affordable plan in just minutes.
We offer life and final expense plans through our nationwide network of partners, including Transamerica, Mutual of Omaha, Lincoln Financial, Pacific Life, Gerber, Colonial Penn, Kemper and more, so it’s easy to find the perfect plan for your family.
We Want to Hear From You
We’re here to help you figure out the best possible coverage options for you and your family. If you have questions or concerns, get in touch with us and we’ll help find the solution that’s right for you.
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