FINAL EXPENSE
No one wants to leave their loved ones with the financial burden of final expenses, especially during an already difficult time. We provide hassle-free, customized policy solutions tailored to your needs and goals.
Ensures that your family can focus on honoring your legacy without the added stress of covering funeral and other end-of-life costs. Planning ahead provides peace of mind and financial security for those you love most.
FINAL EXPENSE
No one wants to leave their loved ones with the financial burden of final expenses, especially during an already difficult time. We provide hassle-free, customized policy solutions tailored to your needs and goals.
Ensures that your family can focus on honoring your legacy without the added stress of covering funeral and other end-of-life costs. Planning ahead provides peace of mind and financial security for those you love most.
Day 1 Coverage, Even With
Pre-Existing Conditions
With rising costs for proper burials ranging from $10,000-$15,000, getting the proper protection in place without having to wait is a big deal. Good news is, most people can qualify for day one coverage, including those with major health issues.
Premiums are more affordable, and underwriting is simpler, often asking only basic health questions instead of a full medical exam. This makes it a great option for those who peace of mind right away. learn more about all the benefits below.
Day 1 Coverage, Even With
Pre-Existing Conditions
With rising costs for proper burials ranging from $10,000-$15,000, getting the proper protection in place without having to wait is a big deal. Good news is, most people can qualify for day one coverage, including those with major health issues.
Premiums are more affordable, and underwriting is simpler, often asking only basic health questions instead of a full medical exam. This makes it a great option for those who peace of mind right away. learn more about all the benefits below.
Significant Benefits
There are significant benefits for both policyholders and their families, ensuring peace of mind and financial security when it matters most.
Immediate Cash Payout: Funds are typically paid within days of claim approval.
Coverage That Never Decreases: Death benefit stays the same for life.
Premiums that never increase: Once you start, your monthly payment is locked in for life.
No Medical Exam: Simple health questions only - approval can happen in minutes.
Lifetime Coverage: Policy stays in force as long as you keep paying, no expiration date.
Significant Benefits
There are significant benefits for both policyholders and their families, ensuring peace of mind and financial security when it matters most.
Immediate Cash Payout: Funds are typically paid within days of claim approval.
Coverage That Never Decreases: Death benefit stays the same for life.
Premiums that never increase: Once you start, your monthly payment is locked in for life.
No Medical Exam: Simple health questions only - approval can happen in minutes.
Lifetime Coverage: Policy stays in force as long as you keep paying, no expiration date.
Payout Options
A Final expenses policy offers a payout - also called a death benefit - in the range of $2,000-$50,000 making it affordable on any budget. Typical costs associated with the passing of a loved one include:
Funeral and burial costs
Outstanding medical bills
Small debts or personal expenses
These expenses can quickly add up. Final Expense Insurance is designed to relieve your family of financial pressure by covering these costs, allowing them to focus on what truly matters—honoring your life and legacy.
Coverage Beyond Funeral Expenses
Final Expense Insurance covers more than just funeral costs. Your loved ones can use the payout for medical bills, legal fees, estate costs, mortgage payments, or other financial needs. Let us help ensures you have a plan that provides security and peace of mind.
Payout Options
A Final expenses policy offers a payout - also called a death benefit - in the range of $2,000-$50,000 making it affordable on any budget. Typical costs associated with the passing of a loved one include:
Funeral and burial costs
Outstanding medical bills
Small debts or personal expenses
These expenses can quickly add up. Final Expense Insurance is designed to relieve your family of financial pressure by covering these costs, allowing them to focus on what truly matters—honoring your life and legacy.
Coverage Beyond Funeral Expenses
Final Expense covers more than just funeral costs. Your loved ones can use the payout for medical bills, legal fees, estate costs, mortgage payments, or other financial needs. Let us help ensures you have a plan that provides security and peace of mind.
Funeral and Burial Costs
Medical Bills
Mortgage and Credit Card Debt
Other End-of-Life Expenses
Advanced Benefit for Treatment of Terminal Illness
Funeral and Burial Costs
Medical Bills
Mortgage and Credit Card Debt
Other End-of-Life Expenses
Advanced Benefit for Treatment of Terminal Illness
Ready To Get Started?
FAQ
Can I get coverage if I already have life insurance?
Yes! Many people add a Final Expense policy alongside other life insurance for extra peace of mind. This ensures that end-of-life costs are specifically covered, allowing other policies to be used for income replacement, debt payoff, or legacy planning.
How much does Final Expense Insurance cost?
Premiums are based on your age, health, gender, and coverage amount. Because the coverage amount is modest, premiums are generally affordable — often starting as low as $25–$40 per month for smaller policies. The older you are when you apply, the higher the rates, so locking in coverage early is key.
I was told in the past that my health condition disqualified me from getting Final Expense Insurance. Can I still qualify?
Yes, in most cases you still can. Final Expense Insurance is designed with simplified underwriting, meaning it often doesn’t require a medical exam. Many carriers offer guaranteed issue policies, which approve you regardless of your health history. While some of these plans may have a short waiting period before full benefits are available, they still provide immediate coverage for accidental death and peace of mind knowing your loved ones won’t face unexpected costs. We can guide you to a plan that fits your needs—even if you’ve been denied before.
Will my premiums go up over time?
No. With most Final Expense policies, your premiums are locked in for life. They never increase, even if your health changes or you age. The benefit amount also stays the same, providing long-term financial stability.
What’s the difference between Final Expense and Traditional Life Insurance?
Traditional life insurance (like Term or Universal life) often has higher coverage amounts ($100k+) and may require a medical exam, making it more difficult for approval. Final Expense insurance focuses on smaller, permanent coverage amounts, with easier approval and affordable premiums — ideal for covering funeral costs and small debts rather than large income replacement.
How much coverage do I need?
The amount depends on your final wishes and financial situation. Most funerals and burials in the U.S. cost between $10,000–$15,000, but you may also want extra to cover medical bills, legal fees, or debt. Many people choose $10,000–$25,000 for full peace of mind, ensuring loved ones aren’t left with unexpected bills.
Is coverage available right away?
Yes — if you qualify for immediate or day-one coverage through simplified underwriting, your full benefit is active from the start. If health conditions prevent that, some guaranteed issue plans include a graded period (usually 2 years) before the full benefit is paid for natural causes. Accidental death is typically covered in full from day one.
Ready to get started?
FAQ
Can I get coverage if I already have life insurance?
Yes! Many people add a Final Expense policy alongside other life insurance for extra peace of mind. This ensures that end-of-life costs are specifically covered, allowing other policies to be used for income replacement, debt payoff, or legacy planning.
How much does Final Expense Insurance cost?
Premiums are based on your age, health, gender, and coverage amount. Because the coverage amount is modest, premiums are generally affordable — often starting as low as $25–$40 per month for smaller policies. The older you are when you apply, the higher the rates, so locking in coverage early is key.
I was told in the past that my health condition disqualified me from getting Final Expense Insurance. Can I still qualify?
Yes, in most cases you still can. Final Expense Insurance is designed with simplified underwriting, meaning it often doesn’t require a medical exam. Many carriers offer guaranteed issue policies, which approve you regardless of your health history. While some of these plans may have a short waiting period before full benefits are available, they still provide immediate coverage for accidental death and peace of mind knowing your loved ones won’t face unexpected costs. We can guide you to a plan that fits your needs—even if you’ve been denied before.
Will my premiums go up over time?
No. With most Final Expense policies, your premiums are locked in for life. They never increase, even if your health changes or you age. The benefit amount also stays the same, providing long-term financial stability.
What’s the difference between Final Expense and Traditional Life Insurance?
Traditional life insurance (like Term or Universal life) often has higher coverage amounts ($100k+) and may require a medical exam, making it more difficult for approval. Final Expense insurance focuses on smaller, permanent coverage amounts, with easier approval and affordable premiums — ideal for covering funeral costs and small debts rather than large income replacement.
How much coverage do I need?
The amount depends on your final wishes and financial situation. Most funerals and burials in the U.S. cost between $10,000–$15,000, but you may also want extra to cover medical bills, legal fees, or debt. Many people choose $10,000–$25,000 for full peace of mind, ensuring loved ones aren’t left with unexpected bills.
Is coverage available right away?
Yes — if you qualify for immediate or day-one coverage through simplified underwriting, your full benefit is active from the start. If health conditions prevent that, some guaranteed issue plans include a graded period (usually 2 years) before the full benefit is paid for natural causes. Accidental death is typically covered in full from day one.
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South Carolina, United States