Final expense insurance covers burial expenses and funeral costs as well as hospital and doctor bills and outstanding credit providing peace of mind for you and flexibility and freedom for those you leave behind knowing that they will not have to worry about how to pay for funeral costs or unforeseen expenses.

Final expense insurance is different from burial insurance in that final expense insurance does not have to be used solely for burial costs. The money from the policy can be used to pay any debt remaining due to the insured’s passing.

Final expense insurance allows you to choose the coverage amount and is typically available in amounts ranging from $2500 to $50,000. Final Expense policies are simplified, meaning there is a short application and no medical exam.

Final Expense policies have three important characteristics:

· The life insurance coverage is permanent
· Life insurance premiums never change
· The life insurance policy accumulates cash value

Final expenses do not have to create an unexpected financial burden for your family or loved ones. You can relax knowing that when they are faced with the inevitable expenses such as funeral, administrative and probate fees, you have provided for them.