Do I have to take a medical exam?
No. Most final expense plans need no medical exam. You answer a few simple health questions over the phone. There are also guaranteed acceptance plans that ask no health questions at all, for ages 45 to 85.
Can I be turned down for my health?
Even with diabetes, heart trouble, or other conditions, there is very likely a plan for you. If you have been declined elsewhere, a guaranteed acceptance policy cannot turn you down because of your health.
How much does it cost?
It depends on your age, your health, and how much coverage you want. Many seniors pay somewhere between twenty and one hundred dollars a month. The best way to know your price is a quick, free call.
Will my rate ever go up?
No. With whole life final expense coverage, your monthly premium is locked in the day your policy starts and is guaranteed never to increase. Your coverage also never expires as long as you keep paying.
How is the money paid to my family?
When you pass away, the benefit is paid in cash directly to the person you name, usually free of income tax. They can use it for the funeral, medical bills, debts, or anything else they choose.
Is this a government program?
No. This is private life insurance offered through licensed insurance carriers. We are not part of, endorsed by, or connected to any government agency, Medicare, or Social Security.
How much coverage can I get?
Final expense policies usually range from two thousand up to fifty thousand dollars. Your agent can help you pick an amount that fits both your needs and your budget.
What happens when I call?
A licensed insurance agent answers your questions, checks which plans you qualify for, and gives you clear prices. There is no cost and no obligation. You decide if and when you want to move forward.
Still have a question? Call (800) 000-0000 and a licensed agent will be glad to help.
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