What is Final Expense Insurance?

Final expense insurance, also known as burial insurance or funeral insurance, is a type of permanent life insurance policy designed to help your loved ones cover the costs associated with your funeral, burial, or cremation, as well as other end-of-life expenses. These policies typically have smaller death benefits and a simplified application process.  

Why Choose Final Expense Insurance?

• Covers Funeral Costs: Helps alleviate the significant financial burden of funeral and burial expenses on your family.
• Simplified Application: Often involves fewer medical questions and no medical exam, making it easier to qualify for.
• Peace of Mind: Provides assurance that your final arrangements will be taken care of, reducing stress for your loved ones.
• Permanent Coverage: As a type of whole life insurance, it offers lifelong protection.
• Quick Access to Funds: Benefits are typically paid out relatively quickly after a claim is filed.

Who is Final Expense Insurance Right For?

Final expense insurance can be a valuable option for:

• Seniors looking to cover their funeral and burial costs.
• Individuals with health conditions who may not qualify for traditional life insurance.
• Those who want to leave a small financial legacy to help their families.

Key Features of Final Expense Insurance:

• Smaller Death Benefit: Typically ranges from a few thousand to tens of thousands of dollars.
• Permanent Coverage: Lifelong protection.
• Simplified Underwriting: Fewer health questions and often no medical exam.
• Fixed Premiums: Premiums generally remain level throughout the life of the policy.

Understanding the Benefits:

Final expense insurance provides funds that can be used for a variety of end-of-life costs, including funeral home services, caskets, burial plots, cremation costs, and other related expenses. It helps ensure that your loved ones are not faced with unexpected financial burdens during an already difficult time.

Things to Consider with Final Expense Insurance:

• Coverage Amount: Determine the estimated cost of your desired funeral arrangements.
• Premiums: Understand the premium payments and ensure they fit within your budget.
• Graded Benefit (Sometimes): Some policies may have a waiting period before the full death benefit is paid for natural causes.

Provide Peace of Mind with Final Expense Insurance.

Secure your final arrangements and ease the financial burden on your family with a final expense insurance policy from Ashley Insurance Agency.

Call to Action:

• Learn More About Final Expense Options. [Button: Learn More]
• Talk to a Life Insurance Specialist. [Link to your Contact Us page or a contact form]
• Request a Personalized Consultation. [Link to a consultation request form]