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Final Expense Whole Life Insurance

You can’t always control what happens to you and your family with final expense insurance you can help protect their financial security, future and peace of mind – so that money doesn’t have to be the main focus.

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How can Final Expense Insurance help you?

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Out-of-Pocket Medical Bills:

Despite Medicare or private insurance coverage, elderly households may still face considerable financial risk from out-of-pocket health care expenses at the end of life.

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The legal proceedings referred to as probate, and related accounting fees, can be a shock to family and loved ones. Probate costs vary by state while the probate process can take months, or years.

A funeral can be one of your family’s largest expenses. The average cost of a funeral is $8,500.1 While many believe that cremation is a far less expensive option, data shows that the cost of a full-service cremation is only

26% less than the traditional funeral.

Legal and Accounting Costs:

Funeral and Burial Expenses:

Final Expense Insurance Policy Riders

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Accelerated Death Benefits Rider

This rider pays up to 50% of the death benefit (less policy loan) if a physician provides written certification that the insured meets the definition for a qualifying event, which is a medical condition that results in a terminal illness with a life expectancy of less than 12 months. The minimum benefit is $1,000, and the maximum benefit is $15,000. An administrative fee not to exceed $200 will be taken from the benefit amount.

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Accidental Death Benefit Rider

This rider pays 100% of the base policy’s face amount for accidental death for issue ages from 40 - 45.

Children’s Term Insurance Rider

This rider provides coverage for a child, stepchild, legally adopted child, grandchild, legally adopted grandchild, or great grandchild. This benefit is available from $2,500 up to a maximum of $10,000 per child, in $2,500 increments. Coverage amount selected will be the same for all covered children and may not exceed the face amount of the base policy. Issue ages begin at 30 days through under 18 years old. Policy becomes convertible to a whole life policy between the ages of 22 and 25.

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