Plans & Options Overview
Final Expense
Life Insurance
Simple coverage designed to help your loved ones manage end of life expenses without financial stress.
Final Expense insurance is a type of life insurance intended to cover funeral costs, medical bills, and other final expenses. It provides peace of mind by helping ensure your family is not left with unexpected financial burdens during a difficult time.
Overview of Benefits
Designed to Provide Peace of Mind
Predictable Coverage
Benefits are clearly defined so your loved ones know exactly what is covered.
Affordable Monthly Premiums
Designed to fit fixed or limited incomes without long term financial strain.
No Medical Exams
Most plans require no physical exams and have simplified qualification.
Fast Approval Process
Coverage decisions are often made quickly, allowing for faster peace of mind.
Funds Paid to Beneficiaries
Benefits can be used for funeral services, medical bills, or other final costs.
Lifetime Protection
Coverage typically remains in place as long as premiums are maintained.
Eligibility
Who Is Eligible
Final Expense insurance is generally available to individuals who want straightforward coverage without complex underwriting.
Eligibility typically includes:
- Adults usually between ages 18 and 85
- U.S. residents with a valid Social Security number
- Individuals seeking modest coverage amounts
- Applicants with health concerns who may not qualify for traditional life insurance
- Adults usually between ages 50 and 85
- U.S. residents with a valid Social Security number
- Individuals seeking modest coverage amounts
- Applicants with health concerns who may not qualify for traditional life insurance
Coverage Availability
- State regulations
- Carrier underwriting guidelines
- Chosen coverage amount
- Payment structure and premium options
Final Expense Insurance
What It Covers
Final Expense insurance is designed to help cover costs such as funeral services, burial or cremation expenses, medical bills, and other end of life obligations.
- It is a federal income tax-free death benefit that can be used to help cover debt, medical bills, and other needs
- Level premium whole life insurance from $1,000 to $50,000 may benefit clients of varying health levels and lifestyles.
- Benefits include no medical exam requirements and fast underwriting approval optional riders that may help with clients’ diverse needs
- Concierge Planning Rider
- Accelerated Death Benefit Rider
- Accelerated Death Benefit Rider with Nursing Home Benefit
- Children’s and Grandchildren’s Benefit Rider
- Accidental Death Benefit Rider
Who It’s Best For
This coverage is often a good fit for individuals who:
- Want to ease the financial burden on family members
- Prefer simple approval processes
- Do not need large life insurance policies
- Are planning ahead for end of life expenses
Pros
- Simple application process
- No medical exams for many plans
- Predictable benefits
- Affordable premiums
Cons
- Lower coverage limits than traditional life insurance
- Premiums may be higher than term life insurance
- Some plans include graded benefits during initial years
Common Questions
-
Will my family decide how the money is used?
Yes. Benefits are typically paid directly to your beneficiary, who can use the funds as needed. -
Does coverage expire?
Most Final Expense policies are permanent and remain active as long as premiums are paid.
Get Started
Plan Ahead With Confidence
Final Expense insurance is a practical way to protect your family and reduce financial stress during an already difficult time.
"Infinite Health made the process painless. I got a better plan and saved money without lifting a finger."
