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No one likes to think about the end of life, but planning to cover final expenses is no different than planning for other life phases. Having final expense insurance is one way to take care of final expenses, and helps ease the financial burden placed on a family when a loved one dies. Final expense insurance is a type of life insurance policy that covers the final costs of the person who is insured. This coverage is typically available to individuals who are age 50 to 85. Planning ahead will provide peace of mind so individuals can focus on life and living, not how their last expenses will be paid.

Why buy permanent life insurance?

Did you know?

According to the National Funeral Directors Association, the average cost of a funeral (with a viewing) and burial in Ohio is around $12,500, while the average cost for cremation is $5,150. The Social Security Administration provides a very small death benefit of $255 to each senior who fits within the guidelines. However, in many cases, it could take months to even get a payment.

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What is Final Expense Insurance?

Final Expense Insurance, sometimes known as guaranteed whole life insurance, lets you support your loved ones with any associated costs when you pass away. This can include medical bills, funeral costs, and even, the catering at a wake. It is generally thought to be a limited yet cost-effective way to protect your family at a difficult time if you don’t have another type of life insurance.

How much does Final Expense Insurance cost?

How much you pay depends on a few factors, including your age, gender, tobacco use, and how much coverage you want. Once set, your premiums will stay the same even if your health status changes.

What is Final Expense Insurance?

Final Expense Insurance, sometimes known as guaranteed whole life insurance, lets you support your loved ones with any associated costs when you pass away. This can include medical bills, funeral costs, and even, the catering at a wake. It is generally thought to be a limited yet cost-effective way to protect your family at a difficult time if you don’t have another type of life insurance.

Does a Final Expense policy expire?

In short, no. A Final Expense policy is a type of permanent life insurance policy. This means you’re covered until you die as long as you’ve paid all your premiums.

How can the death benefit be used?

While a policy is designed to help your family and friends pay for expenses like medical bills, funeral costs and outstanding debts, how the death benefit is used is up to the beneficiaries.

How does Final Expense Insurance work?

You may not need Final Expense Insurance if you have permanent life insurance in place, as your expenses after death may already be covered. But if you outlive your term life insurance policy, Final Expense coverage will support your loved ones after you’re gone – not just with medical bills and funeral costs, but other expenses like trips to scatter your ashes.

What is Funeral Insurance?

Funeral Insurance is another term for Final Expense Insurance, which refers to coverage for end-of-life expenses such as medical bills and funeral costs.

Do I need Final Expense Insurance?

The cost of a funeral can be more expensive than you think. Having life insurance can help to put your family’s mind at rest and ensure they can cover the cost of your funeral and other bills when you’re no longer around.

What are final expenses?

The final expenses you might incur toward – or after – the end of your life include funeral costs, medical bills and other considerations, such as scattering your ashes or buying an urn.

What’s good about Final Expense Insurance?

This type of insurance is an affordable option for most people as it’s designed to cover limited insurance needs, rather than long-term considerations. It’s also relatively easy to arrange, as your beneficiaries will be clear about what the money should be allocated towards.

What are the alternatives to Final Expense Coverage?

If you’re young, in good health and comfortable taking a medical exam, Term Life Insurance is a cost effective and simple alternative to Final Expense. If you’re looking for a permanent option, Universal Life Insurance remains in place, so long as you pay your premiums Additionally, some people self-fund their funeral if they are sufficiently wealthy.