Why Do you need final expense isnurnace?
Don't let funeral costs be your family's final burden.
Final expense insurance helps ease the financial burden of funeral costs for your family. It's an affordable alternative to traditional life insurance that doesn't require a medical exam and provides a quick payout to your loved ones, giving you both peace of mind.
Benefits of Final Expense
Give your family the ultimate gift, peace of mind.
Learn About Your Options - No Medical Exams Required
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Immediate Death Benefit
This plan offers instant protection for those who want their beneficiaries to receive the full policy amount right away, with no waiting period.
100% Payout: The entire policy amount is paid immediately upon your passing.
Simple Approval: No medical exam is required, making the application process quick and easy.
Complete Security: Provides total peace of mind knowing your loved ones will have immediate access to the funds they need.
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Graded Death Benefit
Designed for those who may not qualify for the immediate benefit, this plan still offers robust protection with a graded payout schedule. It's a reliable option to ensure your final expenses are covered.
Year 1 Payout: 30% of the policy amount is paid.
Year 2 Payout: 70% is paid.
Full Payout: 100% is paid in the third year and all subsequent years.
Accidental Death: 100% of the benefit is paid in all years.
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Return of Premium (ROP)
This option provides a safety net by returning the premiums paid if death occurs early in the policy's life. It's an excellent choice for those who want a financial return while waiting for the full benefit to kick in.
Premium Return: If death occurs during the initial graded period, the plan returns 100% of the premiums paid plus 10% interest.
Full Payout: 100% of the benefit is paid after the graded period has passed.
Accidental Death: As with the other plans, 100% of the death benefit is paid in all years in the case of accidental death.