The Final Expense Guy

He Care’s About You

No Exam Final Expense Insurance and Burial Insurance Plans Top 5 Questions Did you see a TV ad about Final Expense life insurance program and could not get through or didn’t pay attention and forgot the phone number well, we can answer your questions about No Exam Final Expense Insurance and more ! We can compare and find you the best possible Final Expense Insurance Plans and Burial Insurance Plans. Even if you call the insurance company direct, not only you will pay the same price, plus – by law they will assign you to a licensed agent .
WHAT IF MY HEALTH IS NOT TOO GREAT? That’s OK, you’ll still be able to get a final expense plan, there are plans available that are GUARANTEED TO ISSUE, no medical questions asked.
HOW DOES IT WORK? To get coverage you need to first apply, get approved, pay the first monthly premium and get the policy issued. With some companies, this process is Instant, you can get approved and receive a policy number within MINUTES, on the phone! Some other companies need you to fill out an application online or on paper, then submit by email, fax or mail. Most plans for seniors final expense life insurance DO NOT NEED A MEDICAL EXAM, which means that no blood or urine testing is necessary. Some medical history questions are asked.
WHAT IF I’M TOO OLD? These policies are available for anyone ages 18 to age 80. Even beyond that age, there are some options to help you cover final expenses and burial/funeral costs.
HOW MUCH BENEFIT SHOULD I GET? Depending on your choice of funeral (cremation, burial, other services) and the need to cover additional costs and debts, medical expenses, probate, mortgages, etc. Will your loved ones be burdened to cover those? Will your family be able to come up with that amount at a moment’s notice if something happened to you? We promise to focus our attention on your benefit exclusively. Do Not Delay Inquire Today ,Kind Compassionate Understanding , We Explain. We Make Applying Easy Obtaining a insurance policy is easy through us. You have a range of options to decide Our application process for insurance is very simple, It also does not require you to have a mountain of paperwork and documents to qualify or get stuck with a needle, no urine sample, no blood drawn or a stranger in your house. Time is ticking inquire today!

Quality Professionals

We take great pride in providing quality services and exceptional customer service every single day. Our brilliant professionals are absolutely here for you – every day.

Experienced Staff

The staff work as a team to exceed each of your expectations. We have 20+ years of high-level experience helping folks. CONTACT TO GET YOUR QUOTE AND PERSONALIZED ATTENTION THAT LOOKS OUT FOR YOU, YOUR ADVOCATE!

Thanks for visiting , You’re here for a significant explanation and I trust you are the sort of person who loves a “simple” approach
and “straight talk.”
 
If you are, if you don’t mind read on… Consider it…life protection is LOVE! Love of your companion, a significant other, child, grandkid or relative. When circumstances arise somebody has the obligation regarding your Final Expenses. There are consistently costs regardless of what sort funeral you pick cost s average$10,000 and I know you would prefer not to trouble a friend or family member with those expenses.
 
Why a Final Expense approach versus a Term strategy?
 
Burial Insurance is an entire life arrangement which implies the whole sum never goes down and the premiums never go up .As long as premiums are paid, it cannot be canceled . Term strategies have term or time limits and afterward goes to “0.” Although they have lower month to month premiums they are exorbitant to keep in force since you have aged and, to top it all off, may have arrived ended before you die. I work for you. That implies I will find the best policy for you not the  best policy of one expensive company.
 
We can do this one of three different ways (all with no commitment):
 
My main responsibility is to each you what is accessible and at what cost. These policies do have medical questions and some a Personal History Interview by telephone however require NO physical or clinical tests. Here’s a brief glance at insurability factors (rates) from best to most pessimistic scenario other than age:
  1. No medical problems 
  2. Minor medical problems
  3. Health issues*

There’s no motivation to pay all more month to month for the very same face value ! That is the reason I work for you to acquire the biggest policy for your dollar!  Once more, there’s no commitment to purchase an approach whether you call me, keep in touch with me.  

Types of Final Expense Insurance Final expense insurance can be of two types: guaranteed issue life and simplified issue life. Guaranteed Life Insurance Guaranteed life insurance is life insurance for senior people who can’t qualify for traditional life insurance policies. Traditional life insurance policies involve health questions, while in guaranteed issue life, there are no health questions. As the name suggests, guaranteed life insurance gives guarantee for the death benefits, i.e., final expenses. The downside of this type of final expense insurance is that its premiums are expensive, but death benefits are low. This is because it guarantees the death benefits and this type of insurance does not involve any health questions. So, guaranteed life insurance is for seniors who are at high health risk and can’t qualify for the medical exam. This insurance provides the guarantee of death benefits. Simplified Life Insurance Simplified life insurance is another type of final expense insurance for seniors. This life insurance is for seniors who have moderate health risk, but they can’t qualify for the traditional life insurance policy. To get the simplified life insurance policy, you need to fill & submit a detailed medical questionnaire. Just guaranteed life insurance, simplified life insurance will also not require to go through a medical exam. After your medical questionnaire gets approved, you will be able to secure up to $50,000 of coverage. The coverage amount will be paid to your beneficiaries after your death. The rules or criteria may slightly differ depending on the type of simplified life insurance policy you select. Pros & Cons of Final Expense Insurance Final expense insurance or burial insurance has its own pros and cons. Here are its pros and cons: Pros: The main reason why many people prefer final expense insurance is because it’s affordable. Though the death benefits are not as high as other insurance policies, they are enough to cover burial expenses. This insurance policy allows your family to pay different burial expenses after your death. Cons: A downside is you maybe paying a higher cost for  coverage. Final expense insurance is designed to cover final expenses after your death. The policy has low coverage, but its approval is easy

Everything You Need To Know About Final Expense Insurance Final expense insurance is supposed to cover the bills which your loved ones have to pay after the event of your death. These expenses generally include medical fees and burial costs. Final expense insurance is commonly known as burial insurance. Unlike the perception of some people, a funeral can cost a lot of money, and planning for it is not a bad idea at all. However, the final expense life insurance can be tricky sometimes. To make things simpler for you, here following are some critical points you should know about final expense insurance. The Basics of Final Expense Insurance Final expense insurance is a lot different than the standard insurance of your life. General life insurance is designed to leave your loved ones with enough support after you passed away. Lifetime life insurance regards the policy as being proportionate to your earning power right now and for the rest of your life. With final expense life insurance, the amount of your coverage is proportionate to the cost of your funeral. Although other types of life insurance can add up to a million dollars, it’s unusual for a final cost insurance policy to exceed $20,000. Should You Get Final Expense Insurance The answer is not so simple and varies from one person to another. If you already own a term or life insurance policy, then it will help your loved ones cover the final cost. However, if you own life insurance and you outlive of the policy term, then it’s a different matter entirely. In that scenario, you may want to consider the final expense policy. How Much Should Final Expense Life Insurance Cost The total cost of your burial insurance will depend on your age. Unfortunately, the older you are, the higher the premiums. That is because insurance providers take more chances in offering insurance to older people, considering that they are statistically closer to death. When you buy the final expense life insurance at the age of 50, you’ll pay less per month than at the age of 75. Paying For Your Funeral In Advance You can, of course, and some people do. This method has its advantages and disadvantages. You get to customize it when you pay for your funeral in advance. You can interview a variety of funeral directors before you find one you love. You can pick the right casket and the best spot in the cemetery. Plus, paying in advance is more likely to encourage you to speak to your friends and family about your options. Downside Of Paying For Your Funeral In Advance The downside of paying in advance is that it is less flexible than burial insurance. If your funeral arrangements change or you relocate, you and your family will not be able to get the money back. Furthermore, the funeral parlor could be out of service, and you might lose the money altogether. The final expense insurance provides the living relatives a premium they can spend anywhere. In this way, your family has more options, but you will have less control.