also known as: Burial, Funeral, or Cremation Insurance
Final Expense whole life insurance plans are typically sold to mature adults, usually around 45-85 and are specifically designed to cover the costs of funeral services (burials or cremations) and ANY other expenses you may leave behind when you pass. It is insurance money, in the form of a check, that is sent to your loved ones (who are called the beneficiary) immediately upon your passing.
While most people don’t like to talk about their death, it is important to plan for it. Final Expense life insurance will protect your loved ones from having to pay these costs out of their pocket, on their credit cards, having car washes, dipping into savings or trying to sell possessions in a hurry. It protects them from losing out on money they could have had without having to sell possessions below their true value!
You WILL have final expenses one day, this is a guarantee, just the date and time are unknown. The good news is that there is a smarter and more affordable way to cover these costs of one’s final expenses. This is with final expense insurance.
Emotional and Inspiring Video
This wonderful video will give you a different view on WHY we all need Cremation Insurance
Why Do I Need Final Expense Insurance?
Because the average funeral now costs between $10,000 and $20,000 or more, and a Cremation with a simple service around $5,000, it is important to plan ahead for these costs. On top of your normal monthly bills, you could be leaving behind a lot of unpaid expenses that could be devastating for your family when you pass.
While most people don’t like to talk about their death, it is important to plan for it. Final Expense life insurance will protect your loved ones from having to pay these costs out of their own pocket, putting it on their credit cards, having car washes, yard sales, fund raisers, or dipping into savings.
You WILL have final expenses one day, this is a guarantee, just the date and time are unknown. The good news is, there is a smarter and more affordable way to cover the costs of when you die; this is with final expense insurance.
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Life Insurance Quotes
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3). In Person
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Protecting Your Loved Ones
Funeral Directors need payment at the time of service. Sometimes folks will think to themselves that they have things in their homes that the kids and loved ones can sell. We would strongly caution against this. When your loved one is dealing with your passing, how fair is it to make them try to figure out how to sell your things? And at the same time, meet with a funeral director or crematory that needs money right now. Your loved ones need time to grieve and to celebrate your life, not scramble around trying to sell your stuff! The loss of a loved one is a lot to deal with, and adding the extra burden of having garage sales, or trying to determine the value of your gold or silver, or sell a home in an instant, is a poor way to get the most money for your items. It’s a tremendous burden for the loved ones who are left behind. Wouldn’t it be a kinder gesture to have them simply cash an insurance check and let them grieve your loss?
How Does Final Expense Insurance Work?
These policies are permanent whole life insurance plans rather than term life insurance that “Terminates”. This means that these whole life policies do not have a specific time period of coverage. It covers you your “whole life”. So long as your monthly premiums (monthly bill) is paid, the policy will not expire.
Guaranteed Issue
These plans have no health questions. You cannot be turned down for this plan. For someone with serious health issues, this option is the way to go. The premiums will be high, but for someone who cannot get approved for any other type of policy, this will make sure your family is taken care of. You will have a waiting period for dying of natural causes the first few years. Please look at your policy for details. If you are in relatively good health, DO NOT get a Guaranteed Issue policy. You don’t need to wait 2 years for coverage for natural causes and you don’t need to donate your hard earned dollars to the insurance company.
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Questions To Ask About Your Current Life Insurance Policy:
- Does it cancel later in life?
- Is the current payout value lower than when you started?
- Does the price increase as you get older?
If the answer is yes to any of these 3 questions, you need to call us as soon as possible!
Final Expense insurance plans are NOT TAXED and DO NOT GO THROUGH PROBATE! Your family/loved ones will get a full untaxed check within days.
You may be quite healthy with just a few problems like diabetes or high blood pressure (under control) or maybe taking a cholesterol medication. If you don’t have significant medical problems, you may qualify for immediate coverage at a much lower rate, and you won’t have to wait 2 years to be covered for passing away due to natural causes.
We are local and living right here in Nevada. If you want an agent that actually cares about you, you’ve come to the right place.
We are a “Broker” which means we do not work for just one insurance company but actually SHOP NUMEROUS INSURANCE COMPANIES. If you buy insurance from a “Captive Agent” (someone who works directly for an insurance company), you can only buy the insurance plans his/her company offers.
Get Help With Nevada Insurance Enrollment
If you’re seeking a new life insurance policy, allow a qualified health insurance agent to help you find the plan that best fits you and your family. Our services are free to our customers, making it a risk-free way to ensure that you’re getting the right coverage for your needs and budget.
We are a “Broker” which means we do not work for just one insurance company but actually shop numerous insurance companies. If you buy insurance from a “Captive Agent” (someone who works directly for an insurance company), you can only buy the insurance plans his/her company offers.
Top 5 Most Popular
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog Posts
#5) Request a Quote
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If you are single, you would only have to meet your prescription deductible. If you have two or more people in your family, each member may have to meet their own prescription deductible which could be up to 2 deductibles in the family. A prescription deductible is different and separate from the medical deductible, unless otherwise stated. One deductible is for medical, ie: hospitalization, doctors, etc., and the other deductible is for filling your prescriptions.