Final Expense Insurance

 Final Expense Information

Planning to meet final expenses is a course each of us should chart for our peace of mind and our family’s security.

Funeral, probate and administrative expenses have risen dramatically in recent years, and the last thing any of us wants to do is leave our loved ones with a financial burden in times of grief.

Our Final Expense Insurance gives your family cash when they need it most!

Not only to pay for funeral and cemetery expenses, but any outstanding medical bills, credit card balances or other debts.

You also may wish to provide a charitable gift to a child or grandchild, your church or other non-profit organization.

Our Final Expense Plans will help you navigate toward a sensible and remarkably affordable solution.

Types of Final Expense Plans For You

You may qualify for one of three final expense plans:

Level Final Expense Plan: Provides an immediate full Death Benefit and an Accelerated Benefit.

You can receive up to 50% of the Death Benefit if you are diagnosed as having a terminal medical condition with a life expectancy of 12 months or less.

Graded Final Expense Plan: For nonaccidental death, the benefit during the first policy year is 30% of the Death Benefit, 70% in the second year and 100% thereafter.

The full Death Benefit will be paid for accidental death in all years.

Modified Final Expense Plan: For non-accidental death, the benefit during the first 2 policy years will be a premium refund plus 10% interest.

The full Death Benefit will be paid for accidental death in all years.

Optional Accidental Death Benefit: Choosing this low cost rider will DOUBLE your Death Benefit if death occurs as a result of an accident.

Your Death Benefit is TRIPLED if the accident occurs from riding as a fare-paying passenger on a common carrier such as a commercial airliner, train, bus, boat or ship, subway or streetcar.

This rider is only available on the Level and Graded Plans.

The importance of Final Expense Life Insurance
is to meet final expenses and is a course each of us should chart for our peace of mind and our family’s security.

Funeral, probate and administrative expenses have risen dramatically in recent years, and the last thing any of us wants to do is leave our loved ones with a financial burden in times of grief.

Our Final Expense Plans will help you navigate toward a sensible and remarkably affordable solution.

Your Final Expense Effective Date

Insurance will become effective once the following conditions have been met: Receipt of application and full modal premium payment, approval by The Insurance Company, and the Proposed Insured is in the same condition of health as described in the application when the final expense policy is delivered to you.

All Final Expense Companies retain the right to reject any application which does not meet its underwriting requirements.