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Final Expense Insurance: 
Simple, Affordable End-of-Life Coverage

Final expense insurance—also known as burial or funeral insurance—is designed to cover the costs associated with end-of-life expenses, helping ease the financial burden on your loved ones during a difficult time. With simplified underwriting and smaller benefit amounts, it’s an accessible and affordable option for many.

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Benefits of Final Expense Insurance

1.     Covers Key End-of-Life Costs

  • Final expense insurance helps pay for funeral expenses, burial or cremation, medical bills, and other outstanding debts, so your family doesn’t have to.

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2.     No Medical Exam Required

  • Most policies are issued based on answers to a few health questions—no physical exam is needed, making it ideal for older individuals or those with health concerns.

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3.     Affordable Premiums

  • Because benefit amounts are smaller—typically ranging from $2,000 to $50,000—monthly premiums are generally lower and more manageable on a fixed income.

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4.     Quick and Easy Application

  • Final expense policies often have a simple application process and fast approval, so you can get covered quickly and with less hassle.

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5.     Permanent Coverage

  • As long as premiums are paid, final expense insurance provides lifetime protection, ensuring your family receives the support they need when the time comes.

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6.     Helps Protect Your Legacy

  • By covering your end-of-life costs, final expense insurance ensures that your family keeps more of their savings and inherits more of your estate.

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Types of Final Expense Insurance

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While all final expense policies aim to cover funeral and related costs, there are two primary types to consider based on health and timing:

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1.     Level Benefit Final Expense

  • Offers full death benefit from day one of the policy.

  • Best suited for individuals in relatively good health.

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2.     Graded Benefit Final Expense

  • Has a waiting period (typically 2–3 years) before the full death benefit is available. If the insured passes away during this time, beneficiaries may receive a return of premiums paid, plus interest.

  • Designed for those with moderate or serious health conditions.

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Optional Riders and Add-Ons:

  • Accidental death benefit

  • Child or grandchild rider

  • Accelerated death benefit (for terminal illness)

 

Is Final Expense Insurance Right for You?

If you're looking for a simple, reliable way to relieve your family of financial burdens during a time of loss, final expense insurance may be the right solution. It’s an especially helpful tool for seniors, retirees, and anyone wanting to plan ahead with dignity and care.

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Plan today for peace of mind tomorrow.

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Need help finding the right policy?
Get a FREE Instant Quote online through our partner, Ethos or Contact us by phone at 816-583-0040 —we’re here to guide you every step of the way.

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