Protect Yourself and
Your Loved Ones with
Final Expense Insurance
FINAL EXPENSE INSURANCE CALCULATOR
HOW DOES OUR FINAL EXPENSE CALCULATOR WORK ?
Our Final Expense Calculator will allow you to compare senior life insurance quotes with the best life insurance companies in just 10 seconds! You can choose from Final Expense insurance companies like: Mutual of Omaha, Gerber Life insurance, Foresters, Americo, AIG, Transamerica, and more. In order to use our calculator, you first enter your state, date of birth, so our calculator can start finding the best rates in your location. Second, you select your health class. Whether your health is excellent, decent, or poor, our calculator will offer you the best possible options to make it affordable. Then you can choose from $2,000 to $40,000 of coverage. And lastly, we will need your name, phone and email, so we can confirm your request and provide you with a full list of top-rated carriers showing several quotes to choose from. Once we receive your request, a Licensed Life Insurance representative will contact you to help you and guide you through the application process. Is that Simple!
TYPES OF FINAL EXPENSE INSURANCE PRODUCTS
LEVEL FINAL EXPENSE INSURANCE
Level final expense insurance not only offers very affordable level monthly premiums, but it protects the insured with immediate level death benefit. Which means, that the individual is instantly protected after the first payment has been made. Additionally, your premium is guaranteed not to increase due to age or health, and your death benefit is guaranteed not to decrease during the life of the policy. Ideally, this type of coverage is recommended for those between 18 and 85 years old who are healthy, and they answer NO to all medical questions on the life insurance application. If this is you, make sure that when you use our calculator, you choose “excellent health” on health class options and feel free to run quotes from $2000 to $40,000. Additionally, this type of burial insurance plan offers additional benefits like: Accidental death for an additional fee, and Terminal illness or accelerated death benefit at no extra cost.
GRADED FINAL EXPENSE INSURANCE
Graded Final Expense Insurance, is ideal for those between 40 and 80 yrs old who have average health, but answered yes to one or more medical questions on the final expense application. Perhaps, you are diabetic before you reached 50 years of age, or you use insulin or heart medications. Or you may have a history of cancer, or strokes. If this is you, you may still qualify for an affordable rate and purchase up to $40,000 of graded final expense insurance. When using our calculator, make sure you choose “decent health” on health class options to obtain the most accurate rates. Please make sure you review the limited benefits this type of policy offers in the first two years it is in force*
GUARANTEED FINAL EXPENSE INSURANCE
* Graded benefit means your coverage does not start immediately, and there is a waiting period of 2 years before the insurance policy pays 100% of the benefits. This means that if you die of natural causes in the first two years of having this policy active, your beneficiary(s) will only receive the premiums you paid plus interest, or a percentage of the death benefit depending on the insurance policy contract you purchased. However, you are protected immediately if you pass away due to an accidental death. These limitations on coverage and benefits are also true for guaranteed final expense plans.
FREQUENTLY ASKED QUESTIONS
Final expense insurance is designed to cover you funeral expenses like: burial, cremation, and body transport. Additionally is an ideal way to cover other final expenses like: Past due rent, credit cards or medical bills
It is a small whole life insurance policy with guaranteed monthly premiums, and guaranteed death benefit. Additionally ,it includes a cash value account to protect your death benefit from lapsing.
The best way to make a decision on which one to choose, is to pick only A or A+ rated companies. Then Compare prices between them and choose . Remember, The Best final expense insurance is the one you can afford.
Although not every life insurance carrier offers final expense insurance, there are dozens of them offering from $2,000 to $40,000 of coverage and they have very competitive and affordable prices
If you are between 45 and 85 years of age, you need a Final Expense Insurance Policy. Even though you may have a life Insurance plan in force, Final Expense insurance can help you pay your funeral expenses quickly instead of waiting weeks or months for your traditional life insurance to pay benefits. Remember, Life Insurance is for your family’s living expenses, and Final Expense insurance is for your dying expenses.18
A Burial insurance insurance policy is a permanent whole insurance policy designed to pay out quickly, and it is assignable to any funeral home in the country. Additionally, The Cash benefit may also be deposited into the beneficiary’s bank account in as fast as 24 hours, once the proper documentation has been received.* Typically, Funeral homes and funeral directors prefer this type of Life insurance, because they know once they complete and submit the assignment form to the Life Insurance Company, they will get paid fast.
* Documentation may include: death certificate, funeral service contract, claims form, and original policy
You can apply and qualify for Final Expense insurance by simply running quotes on our calculator, view the quotes results, pick the company you like, and send your request to one of our highly qualified licensed agents. The application process can be done quickly online, via phone or through traditional paper applications via regular mail.