Final Expense
Final Expense life insurance is a type of whole life policy specifically designed to cover end-of-life costs, such as funeral expenses, burial, and medical bills. It offers smaller coverage amounts, typically between $1,000 and $50,000, and is known for its accessibility—requiring no medical exam and providing guaranteed acceptance for most people aged 50-85. In addition to providing financial relief for loved ones, the policy also builds cash value over time, which can be borrowed against if needed during the policyholder’s lifetime
At what age should you buy Final Expense insurance?
You can typically buy Final Expense insurance between the ages of 50 and 85. It’s ideal to purchase it earlier, as premiums are lower when you’re younger.
How much does Final Expense life insurance cost?
The cost depends on your age, health, and the coverage amount, but premiums can start as low as $0.20 a day for smaller policies, making it an affordable option for most seniors
Does Final Expense insurance have a waiting period?
Some policies have a waiting period, typically two years, during which the full death benefit is not payable unless the death is accidental. Be sure to check your policy details.
How does Final Expense insurance build cash value?
As a whole life policy, Final Expense insurance accumulates cash value over time. A portion of your premiums is set aside, which can be borrowed against during your lifetime.
Rates starting at $0.20 a day
Final Expense life insurance is designed to be one of the most affordable options for seniors looking to cover end-of-life costs without burdening their families. With coverage starting at just $0.20 a day, it fits easily into fixed incomes and offers flexible payment options. The premiums remain level throughout the policyholder’s life, meaning they won’t increase as you age. Even for those with health conditions, there’s no need for a medical exam, making it accessible to almost everyone while still keeping costs low.
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* The monthly payments shown for Americo, Aetna, and Mutual of Omaha are based on a 70 years old male, per $1,000 of coverage. Prices may vary based on gender, age, health condition.
Disclaimer: FinalExpense.Click provides information regarding Final Expense life insurance and connects users with licensed insurance agents. Coverage and rates may vary based on age, health, and location. No guarantees of coverage or approval are provided until completion of an official application process. Policies may have waiting periods. Final Expense life insurance is not a substitute for comprehensive life insurance coverage. Always read your policy terms carefully.
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Licensing Information: Insurance agents are licensed to sell Final Expense life insurance in various states. Please confirm licensing in your state before purchasing a policy.