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Final Expense
If you don’t qualify for traditional life insurance, final expense is a great option for you. These plans accept people who fail to pass the health exam that is required by life insurance companies. If you think final expense insurance could be right for you, here’s what you need to know.
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What Is Final Expense?
Final expense insurance is a whole life insurance policy that offers smaller death benefits than traditional life insurance. These plans are easier to qualify for because there is no health exam requirement. Instead, the insurance company will ask you some medical questions that you must answer honestly. They will also check your prescription history to verify your medical history.
Final Expense Benefits
The death benefit offered in your final expense plan will vary based on your answer to the health questions. In general, you can expect final expense insurance benefits to range between $2,000 and $50,000. If you are in better condition, you qualify for more coverage. Though, if you don’t qualify due to your answers, you may have to purchase guaranteed issue final expense instead.
Guaranteed Issue Final Expense
Guaranteed issue final expense is a type of final expense insurance plan that accepts all applicants. These plans are normally more expensive than other forms of life insurance because it costs more to accept all applicants. If you have no other options, guaranteed issue plans are the best way to help ensure your final expenses are paid for.
Final Expense Insurance Cost
The cost of final expense insurance varies depending on the level of coverage you need and your overall health condition. Though, guaranteed issue life insurance plans will always be more expensive than an equivalent plan that is not guaranteed issue. If you want to find the best price on final expense insurance, it’s in your best interest to work with an Licensed insurance agent.
Find Final Expense Insurance
The process to apply for final expense insurance is simple, and you can be covered soon. Though, some final expense plans have minimum wait times before benefits kick in. To learn more about applying for final expense insurance, contact Insured For Life now.
