Get answers to some common questions people ask
The cost depends on your age, health, and the amount of coverage you choose. Many plans are designed to be affordable for seniors and can fit within a fixed monthly budget. Once your rate is set, it typically stays the same for life.
Final expense insurance is designed to cover end-of-life costs such as funeral services, burial or cremation, medical bills, and other outstanding expenses. The payout can be used by your family for whatever they need.
Many policies offer immediate coverage once you are approved. Some guaranteed acceptance plans may have a short waiting period before full benefits are available, but your agent will clearly explain your options.
In most cases, no medical exam is required. Many plans only ask a few simple health questions, and some options are available with guaranteed acceptance, meaning you cannot be turned down.
Most people choose coverage between $5,000 and $25,000. The right amount depends on your goals—whether you want to cover just funeral costs or include additional expenses like debts or medical bills.
Some policies may decline applicants based on certain health conditions. However, there are guaranteed issue plans available that accept everyone within the eligible age range, regardless of health.
