Protect your loved ones' legacy with Final Expense Life Insurance

What Is Final Expense Life Insurance?

Final expense life insurance, commonly referred to as burial insurance, is designed to cover funeral costs and any other small outstanding financial obligations left behind by the insured. Final expense policies are for people aged 45-85 that may have health conditions such as high blood pressure, diabetes, etc., and only need a basic amount of coverage. There are NO medical exams, and the policies are simplified issues, which means they are loosely underwritten. As long as you don’t have a terminal illness or any heart conditions, you have a strong chance of qualifying for coverage.

Final expense life policies are WHOLE LIFE. They cover you from the time the policy is issued, up to age 121. The premiums do not change and they accumulate cash value, which means you can borrow money against the policy.

Final expense coverage amounts range from $3,000 to $40,000. They are extremely affordable and are a perfect fit for anyone over 50 that do not have anything in place to cover rising funeral costs.

Why Do You Need Final Expense Life Insurance?

Final expense life insurance is essential for several reasons. It provides financial protection to cover funeral costs and other outstanding financial obligations that may be left behind after you pass away. Funerals can be expensive, and having the necessary funds in place ensures that your loved ones are not burdened with these costs during an already difficult time.

Final expense life insurance also offers peace of mind. By having this coverage, you can have confidence knowing that your end-of-life expenses are taken care of, allowing your family to focus on grieving and healing instead of worrying about financial matters.

Additionally, final expense life insurance is accessible to individuals who may have health conditions that make it difficult to qualify for other types of life insurance policies. These policies often have simplified underwriting processes and do not require medical exams, making them more attainable for those with pre-existing health conditions.

How Can Porter Insurance Professionals Help?

Our experienced team at Porter Insurance Professionals understands the nuances of final expense life insurance. We can provide you with expert guidance and explain the intricacies of different policy options, coverage amounts, and premium rates. We will help you navigate through the available choices and select the best policy that suits your specific needs.

As an independent insurance agency, we have access to a diverse portfolio of final expense life insurance products. We work with multiple insurance providers, giving us the ability to compare options and find the most suitable coverage for you. We will explore different policy features, benefits, and costs to ensure you make an informed decision.

Contact Us

Call us today at 1-844-300-0011 to set up a consultation. You can also reach us here.