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Life Insurance
No matter who you are when you come into this life or how you choose to live it, we all leave the same way. And like it or not, funerals cost money often between five- and ten-thousand dollars. That's where Final Expense Insurance comes in. You see, the purpose of Final Expense is to cover funeral and burial expenses, and to provide additional cash for the beneficiary.

It is designed for those wanting minimum coverage typically less than fifty-thousand dollars. Most policies are guaranteed or simplified issued and can be either term or whole life based. No medical exam is required. And little or no underwriting is performed. Of course, your premium will depend mostly on your age. And because these products are usually guaranteed issue, the cost will be two to four times more than fully underwritten term life insurance.

Here are a couple of examples comparing the cost of insuring a forty-year-old male and a forty-year-old female against that of insuring a sixty-five-year-old male and a sixty-five-year-old female for a final expense policy with a face amount of $25,000.


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