Final Expense Life Insurance

Secure Your Peace of Mind With Final Expense Life Insurance or Prepaid Funeral Plans

Planning for the future is a thoughtful way to ensure your loved ones are taken care of during difficult times. When it comes to covering end-of-life expenses, you have options:  Final Expense Life Insurance and Prepaid Funeral Expense Plans. Let's explore the benefits of each option to help you make an informed decision.

Final Expense Life Insurance

• Flexibility:  Provides a cash benefit for any purpose, not just funeral expenses.
• Guaranteed Premiums: Lock in a budget, and be certain prices won't change.
• Guaranteed Payout: Ensures your beneficiaries receive funds when needed most.
• Inflation Protection: Can adjust the cash benefit to account for rising costs.
• Portability:  Not tied to a specific funeral home, offering freedom of choice.
• Change Your Mind: Access to the policy's cash surrender value if needed.
• Remaining Benefits: Excess benefits are paid directly to your family.
• Health Options: Available regardless of health issues.
• Long-Term Savings: Includes a savings component, with cash surrender value.
• Lower Initial Costs:  Lower monthly premiums, and can quit at any time and receive full cash surrender value
•           (In a hurry?  Scroll down to learn of your guaranteed monthly pricing)

Prepaid Funeral Plans

• Some Plans Guaranteed: Not all plans have guarantees, and non-guaranteed prices may increase over time.
• Guaranteed Funeral at a Specific Funeral Home: Lock in today's prices, but but the tradeoff may be planning flexibility.
• Detailed Planning: Control every detail of your funeral, preventing changes due to changing circumstances (e.g., Covid, etc.)
• Immediate Coverage: Covers the full cost of the funeral upon purchase.
• Additional Services: Extra expenses may arise for services not covered.
• Vendor-Specific:  Tied to a specific funeral home, limiting flexibility, particularly if a funeral home changes hands or has financial difficulty.
• Higher Initial Costs:  Plans may require a higher initial financial commitment 

Advantages of Final Expense Life Insurance

Final Expense Life Insurance offers unmatched flexibility, guaranteed payouts, inflation protection, portability, and the option to change your mind. It ensures your loved ones have the financial support they need, no matter what, and guaranteed monthly premiums can be automatically drafted from your checking account.

Affordable & Guaranteed Monthly Premiums

Easier on the budget with flexible payment options.  Pre-planning with Final Expense Life Insurance is a compassionate gift to protect your loved ones. Explore your options today and secure peace of mind for tomorrow.

Why do 8 in 10 Seniors Choose Final Expense Life Insurance Plans?

In the most recent full year of data, more than 8 in 10 seniors chose final expense life insurance over prepaid funeral arrangements - in fact, 82% chose final expense life plans, and only 18% chose prepaid funeral plans.  The reasons could be due to lower monthly premiums, or the flexibility in plan design, or the ability to surrender the policy in the future and recoup 100% of all available cash surrender value, or the fact that 100% of excess death benefits above the cost of funeral expenses are paid back to the family and loved ones you name as beneficiary.

See below to estimate the cost of future funeral arrangements, and to learn of the guaranteed level monthly cost for our value plan.