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Final Expense Life Insurance

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Final Expense Life Insurance

The death of a loved one is one of the most difficult experiences in life. This stressful and troubling time can be further complicated by the financial worry of paying for funeral arrangements. This, possibly-sudden, financial need can often lead to families drawing money from savings accounts intended for other things, or even taking on debt. However, with a little planning it’s possible to provide your family with a lump sum of money that can be used to help cover end of life expenses, leaving them free to concentrate on caring for each other and celebrating your life.

Advantages of Final Expense Life Insurance


Affordable premiums for the coverage you need


Simple to understand

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Final Expense Life Insurance: How does it work?

Help Protect your family from the financial stress of end of life costs.

Final Expense life insurance provides a lump sum of money that can be used to cover end of life costs, helping to ease the financial stress from an already difficult situation. This type of life insurance coverage is easy to take out, many plans won’t even require a medical exam and will just ask for some basic information about your health. With a Final Expense life insurance plan you can feel more at ease in the knowledge that your family is insured and will have help with funeral and burial costs. Keep in mind, Final Expense life insurance policies that are guaranteed-issue are only available to those within certain age ranges.

Final Expense Life Insurance can help cover the cost of:

  • The funeral service
  • Burial plot
  • Casket
  • Any other end of life expenses

Finding the right plan

Final Expense life insurance may suit your situation:

Depending on your individual circumstances, Final Expense life insurance coverage can either be taken out for a fixed year term, such as 10 years, or as a permanent policy that will pay out whenever the policyholder passes away. This means that you’ll be able to find a plan that best fits your needs as you won’t have to buy too much or too little coverage.

Customize your policy to provide the right level of protection.

Final expense life insurance policy payout amounts are usually between $2,000 and $25,000 depending on the individual’s needs. A little planning can help you estimate the amount you’ll need to leave your beneficiary to ensure they will have help paying for end of life costs. When deciding on the appropriate coverage amount you should consider the costs of:

  • Funeral service expenses: this includes all services provided by the funeral home
  • Burial plot
  • Burial costs: including casket, cremation etc.

Calculating the total cost of all of these expenses allows you to accurately predict your coverage needs. LifeInsuranceMatchup can help guide you through this process so you find the plan that gives you some peace of mind.


  • You can specify the payout amount you want, meaning you only pay for the coverage you need.
  • Policy length is an important consideration, comparing plan types ensures you find the best plan for you.
  • Our licensed insurance agents can help talk you through your options if you need additional assistance.

Our agents are available to guide you through this process, helping you to find the best plan to fit your needs and the protection you want for your family.

(855) 795-3118

Is Final Expense Life Insurance Affordable?

Final Expense life insurance policies are affordable. A few factors that can affect the premiums are the coverage amount, the policy length, your age and in some cases your health. As benefit amounts are generally lower for Final Expense life insurance policies the premiums remain affordable.

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Finding the right time to buy.

Final Expense life insurance is a popular Life Insurance plan type due to its affordable premiums and lack of limitations on who can get coverage. Many people consider a Final Expense life insurance plan as they get older and begin to think about funeral preparations. However, you may have other reasons why you feel like now would be the right time to get a policy. The key thing to remember is that everybody’s needs are different, so choosing the right time depends on your situation.

It’s also important to remember that delaying taking out coverage has disadvantages, for example:

  • Policy premiums may cost more as you get older.
  • Health problems may limit your options, taking out coverage before you get sick ensures you have access to the most plans.
  • Delaying coverage leaves your family exposed to financial risk. It’s never too early to plan for their future.

LifeInsuranceMatchup can connect you with carriers and plans in your area, helping match you with a policy that fits your budget and your lifestyle.

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