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Final expense insurance can be great for those who cannot purchase standard life insurance policies due to age or health. There are two types of final expense policies you can qualify for: simplified issue and guaranteed issue.
As a type of permanent whole life insurance, final expense ensures that your coverage will last your entire lifetime as long as you keep up with your premium payments. After your passing, your final expense policy will provide a payout known as a death benefit to your beneficiaries, which can be anywhere from $2,000 to $50,000.
Compared to other life insurance policies, final expense is much easier to qualify for, which will be explained more in-depth in the following sections.
Almost all life insurance policies require a process known as medical underwriting to qualify. In most cases, this means a full medical exam performed by a doctor with clean results. If you fail, you will not qualify.
However, with simplified issue, you’ll only be required to fill out a simple “yes” or “no” questionnaire about your general health. As long as you don’t have any serious terminal or preexisting conditions, you should qualify.
Because simplified issue takes your basic health information into consideration, it will cost less than guaranteed issue, which leaves a certain risk without any knowledge of your medical condition.
For this reason, simplified issue benefits virtually anyone who qualifies. It specifically benefits those who may not qualify for another, more rigorous application process for a different policy but are not in poor enough health to justify a guaranteed issue policy. Simplified issue is also beneficial if you already have a larger life insurance policy but want extra coverage for specific final expenses like funeral arrangements, estate taxes, and more.
We provide the highest quality detail to all of our customers and their coverage. To learn more, call Expense Mutual at 888-280-2825 or email info@expensemutual.com.
Expense Mutual is a licensed Independent Insurance Agency licensed to sell insurance in Georgia. Expense Mutual does not underwrite any insurance that appears on our website. Please note that Insurance cannot be bound, canceled or installed on the website. While Expense Mutual has done everything to ensure that all rates are accurate in the event, we made an error regarding pricing, the carrier’s rates will always supersede whatever rate appears on our website. All plans with no waiting period require an applicant to be medically approved by the insuring company and are subject to the incontestability period. All guaranteed acceptance plans that have no health questions will be subject to the insurer’s defined waiting period before benefits become payable under the policy provisions. Whole Life Final Expense Insurance available through JN Solutions LLC dba Expense Mutual may be underwritten by any of the following insurance companies, Americo, Foresters, Gerber Life, Met Life or Mutual of Omaha. Under no circumstances will Expense Mutual share or sell your information with a third party without your consent. No part of this website may be copied, published, faxed, mailed or distributed in any manner without the prior written consent from the website owner. Representation Any views or opinions represented on the Website are personal and belong solely to the Operator and do not represent those of people, institutions or organizations that the Operator may or may not be associated with in professional or personal capacity unless explicitly stated. Any views or opinions are not intended to malign any religion, ethnic group, club, organization, company, or individual. Changes and amendments. We reserve the right to modify this Disclaimer or its terms relating to the Website and Services at any time, effective upon posting of an updated version of this Disclaimer on the Website. When we do, we will revise the updated date at the bottom of this page. Continued use of the Website and Services after any such changes shall constitute your consent to such changes. Acceptance of this disclaimer. You acknowledge that you have read this Disclaimer and agree to all its terms and conditions. By accessing and using the Website and Services you agree to be bound by this Disclaimer. If you do not agree to abide by the terms of this Disclaimer, you are not authorized to access or use the Website and Services. Contacting usIf you would like to contact us to understand more about this Disclaimer or wish to contact us concerning any matter relating to it, you may send an email to info@expensemutual.com.