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Frequently Asked Questions
Common Questions Answered for your convenience.
What is final expense insurance?
Final expense insurance is a small whole life policy designed to cover funeral costs, medical bills, and other end-of-life expenses.
What is an annuity and are they safe?
An annuity is a financial product that turns a lump sum of money into guaranteed income for retirement. Fixed and indexed annuities are not tied directly to market losses and offer principal protection.
How much coverage do I need for my Final Expenses?
Most people choose between $10,000–$25,000, depending on funeral preferences and any outstanding bills.
What’s the difference between term and whole life insurance?
Term covers you for a set period (like 20 or 30 years). Whole life lasts your entire lifetime and builds cash value.
Do I need a medical exam?
Some policies require exams, but MOST options today offer no-exam coverage.
Can I qualify with health issues?
Yes. Many plans are designed for people with diabetes, heart conditions, or other common health concerns.