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  • Low Cost - State Approved Plans

    Final Expense Insurance policies are low cost plans because they are designed to only cover the costs of your final expenses.

  • No Medical Exam

    Final Expense Insurance policies are issued without the need for a medical exam, and since most policies are purchased by seniors, the underwriting guidelines are very liberal. Your policy can be issued in a matter of days rather than weeks or months.

  • Guaranteed Accepted Plans

    Applicants who apply with severe or multiple medical issues will be able to purchase a guaranteed issue policy. These policies were designed for applicants who cannot medically qualify for standard policies so there is no medical underwriting considered for a policy to be issued.

    Since the insurance company is accepting an unknown medical risk, there is generally a two-year waiting period when the death benefit will be the sum of all premiums paid plus an additional 10%.

  • Lifetime Coverage with Guaranteed Level Premiums

    Final Expense Insurance policies are issued without the need for a medical exam, and since most policies are purchased by seniors, the underwriting guidelines are very liberal. Your policy can be issued in a matter of days rather than weeks or months.

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