Coverage Option
Smaller, simpler coverage so funeral costs do not fall on your family.
Final expense insurance is a smaller whole life policy — often between $5,000 and $50,000 — designed to help cover funeral costs, burial or cremation, medical bills, and other end-of-life expenses. Applications are usually simplified, with health questions instead of a medical exam, though answers still affect eligibility and price.
There is no pressure here, and no obligation. But it is worth knowing that in life insurance, age and health matter: rates are based on how old you are and how you are doing today. Reviewing your options while you are feeling well generally keeps more choices open to you.
A few short questions, including a brief health questionnaire, so Justin knows which carriers to look at first.
Coverage for a set period of years, often used while raising a family or paying off a home.
Term options that may return premiums paid if the policy is still in force at the end of the term, subject to policy terms.
Lifelong coverage with level premiums and cash value that builds over time.
Coverage intended to help replace lost household income for the people who depend on it.