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The Purpose:

If you think life insurance is just for younger people, think again. Final Expense coverage has become increasingly popular. Once considered simply as burial insurance, final expense plans cover those costs and much more. If you have money put aside for those "final expenses" or have a large amount of equity in your home, you may not need it. However, for pennies on the dollar, you can create an instant pool of money for the expenses that occur when we die. As these plans are "Whole Life Policies" they build cash value which can also be used as a living benefit.

Underwriting:

There was a time when obtaining this type of coverage was a problem for most people over the age of 50 - 55. Today, companies that specialize in providing this type of coverage have streamlined the process where you can usually obtain coverage by just answering "no" to a few simple health questions. You will not have to go for physicals, give blood or urine or any other intrusive tests. With people living longer and longer, rates have come down considerably in recent years. For many, these plans represent the best alternative to handling those end of life expenses. 

The Need:

Funerals and even cremation can be expensive. $ 6,000.00 is the average and when you add flowers, obituary notices, transportation and refreshments for those who pay their respects, the costs quickly escalate to $ 10,000.00.

Often, there are leftover medical bills for services over and above what health insurance pays. These can include bills for medications, home health care, hospital co-payments and even hospice.

Many people have credit card bills, car payments and other types of loans that will need to be satified.

Due to probate and a fickle marketplace, the sale of a home can take a long time. There are many cases where it has taken 3 - 4 years until a deceased person's home is sold.

Repairs and home improvements may need to be made before a home is saleable, especially in this competitive marketplace.

Whole Life Insurance Final Expense Plans give your beneficiaries the liquid cash they will need to take care of your affairs, without Probate interferance. Procedes go directly to the beneficiaries you select, income tax free and Probate free.