What is Final Expense Coverage?
These are small, whole life insurance policies designed to cover funeral and burial expenses. The standard benefits range from $5,000-$35,000 and oftentimes, final expense insurance can provide funds to your family within a day or two of passing, because the grieving period is no time to be making complicated financial decisions.
In addition, these plans pay directly to your beneficiaries, so your loved ones decide how to allocate the proceeds, NOT a funeral home or a court.
While many insurance policies increase over time or go away at a certain age, we insist on policies that will not change, no matter how your health changes or how old you get.
Have you thought about the type of coverage that you will not outlive and is guaranteed to never increase in cost? They’re more affordable than many of our clients expect.
Which Program is right for me?
Our Senior Benefits Advocates work with you to determine what is best for you. We take a three-step approach to determine the right options for you.
- Getting to know you – What’s important to you? What do you want to protect? What medical conditions do you have?
- Analyzing your needs – What type of funeral (casket/cremation) do you want? Do you have bills you want to cover?
- Identifying solutions – Recommending the proper Insurance company that will be the best fit based on the type coverage you are looking and any medical conditions you may have.
Does that sound complex? It certainly can be, but that’s why our advocates are not just licensed through the Departments of Insurance across our country, it’s why they commit to countless hours of training & continuing education every year. This is too important to try to do alone, so let us help. We love what we do (and we’re pretty darn good at it, too!)
Contact us at 314-828-3370 or submit your information and a Senior Benefits Advocate will get back to you.