Finding affordable life insurance when you have a history of depression can be a challenging and complex process. Most consumers understand that life insurers rate according to age and health, but many do not consider the mental health aspect of underwriting. Underwriters are likely to question you about your mental health and your parents’ mental […]
DO I NEED FINAL EXPENSE LIFE INSURANCE?
The last thing you want your loved ones to have to worry about following your death is paying for your final expenses: funeral, cremation, or burial. Costs of even the least expensive, most basic, and most affordable funerals are still in the tens of thousands of dollars.
Thankfully, final expense life insurance can help relieve your family of the burden of dealing with the financial aspect of your final plans when you pass. Here at InstantQuoteLifeInsurance.com, we’re committed to matching you with the very best policy for your circumstances and your family that will cover your final expenses, sparing your loved ones from having to do so.
We’re an industry leader in helping people just like you prepare for the future – all while keeping the unique needs of your family and you close at heart. With InstantQuoteLifeInsurance.com, you’ll be able to take advantage of an easy process that will bring you and your loved ones peace of mind.
Get an Online Quote for Insurance in Minutes
Things to Know When You’re Ready to Apply:
- The age for application usually ranges from 50-80; however, you may be able to find a company that will allow you to apply anywhere from the age of 18 on up to 89.
- Keep in mind that the earlier in age you apply, the more cost-effective your plan is going to be for you.
- The majority of plans typically will pay out benefits of anywhere from $2,000 to $20,000; however, if you need it, some plans offer benefits of up to $100,000.
Additional Information on Final Expense Insurance
You will need to choose whether you want a graded benefit plan or a level benefit plan. With a level benefit, the entire amount of the policy you take out will become effective on the very day that your application gets approved. In contrast, a graded benefit will enforce a 24-month waiting period before the full face value of your policy becomes effective.
You’ll also need to decide if you’d like a guaranteed issue final expense life insurance plan or not; this type of plan has higher premiums than a standard plan, but you’ll find that it brings with it convenience and peace of mind for people who have serious health problems. You will not be required to answer any health questions, although you will pay higher premiums for this service.
Get Your Policy for Final Expense Insurance
Now that you are more familiar with final expense life insurance, or burial insurance plan, you’re ready to start looking for a policy. With our help, you can get final expense insurance quotes from dozens of top-rated companies quickly and easily – without compromising sensitive personal information. Simply complete our short quote form and review your quotes, then instantly submit your application.
You’ll have a brief phone interview after you apply; the answers to the simple questions you give during this phone interview will influence the costs you will pay for your insurance plan. In some cases, you’ll have an approval decision within 48 hours and sometimes, sooner.
Why Should I Find My Final Expense Plan with InstantQuoteLifeInsurance.com?
Our insurance experts are here to help you ensure that you find the very best plan for your family, your budget, and your needs. Enjoy full access to information about the top insurance providers and options. Our staff is dedicated to assisting people just like you in a pressure-free, confidential, and productive way.
Instantly compare initial quotes online, without having you divulge sensitive personal information.
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