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Final Expense

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Don’t Leave Your Loved Ones with the Burden of Funeral Costs

Final expense insurance, often known as funeral or burial insurance, is meant to provide peace of mind for your family after you’re gone. It’s a small life insurance policy that pays your beneficiary money (the death benefit) which he or she can use to pay funeral costs or any critical needs.

The Insurance Don has access to the top-rated final expense companies in Southern California. We can help you find the best coverage for your situation. But first — keep reading to see if a final expense policy makes sense for you.

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Why Final Expense?

Unfortunately, many Californians don’t have enough savings to cover funeral costs. Dying isn’t cheap, and some pass away with hefty amounts of unpaid debt.

Losing a loved one is very hard. It gets even harder when unplanned medical bills appear, and the deceased had no way to pay for the funeral. When you total up the burial services, the funeral itself, the vault, and other things, it can be pretty expensive.

We have a solution that will help you rest easy. If you think your loved ones may have a hard time paying for your funeral, final expense may be right for you.

Paying Too Much
for Insurance?

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Benefits of Final Expense

Typically, final expense policies are aimed at people between 45 and 85 years old. People under 55 can generally qualify for a $50,000 death benefit, while folks who are 75+ may only be eligible for up to $25,000. But these benefits apply no matter your age:

✔ Almost everyone will qualify
✔ No medical exam required
✔ Death benefit can be used for anything

What Else You Should Know

You pay a monthly premium as the policyholder. The premium and coverage amount will mostly depend on your age and health. Typically, the younger you are when you apply for final expense, the lower your premiums will be. Your premium can stay the same for the duration of your policy, never going up — even if you develop a health condition.

Final expense coverage may be available for as little as $2,000.

Just Answer a Few Health Questions

You’ll only be asked a few basic health questions on the application. A medical exam isn’t required. The questions will be about whether you have a history of:

  • Stroke
  • Smoking
  • Drug abuse
  • Heart disease
  • Other major health conditions

Again, most people can qualify for a policy. If you have additional questions about final expense insurance, contact an agent today.

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The Bottom Line

Final expense is designed to help seniors get affordable life insurance, so the insurance carriers want to sell you a policy.

It may surprise you that the average cost today for a basic funeral is about $12,000. In 20 years, it could be as high as $30,000 with inflation. Having a small policy in place to cover funeral expenses is always better than nothing at all!

The Insurance Don Can Help

Buying final expense insurance can provide comfort, security, and peace of mind for your loved ones. We want to help you leave memories, not burdens. So get started with The Insurance Don, and protect your family from having to deal with unwanted costs when you’re no longer around — call 888-777-2214 for a no-obligation quote.

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