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Choose the Right Plan

One of the similarities between final expense insurance and life insurance is that they both can be divided into term or whole life policies. The term policy will cover an individual for a set amount of years in their life. For example, an individual may have a policy until they are age 80. If by the time they reach 80 they are still alive, the policy will have expired. Conversely, whole life policies will cover an individual for the entirety of their life. At times, insurance companies put age limits on how old an individual can be to purchase final expense insurance. This age varies, but it is usually around the age of 75.

Getting final expense insurance is an easy thing to do. All that is required of you is to fill out some simple paperwork and provide some medical information. For those who prefer not to provide medical information, a guaranteed issue plan is available. Individuals who have serious health problems may be required to purchase a policy which would become active after the individual had paid for the policy and continued living for a few years. The goal is to find the policy that is right for you.

Many individuals choose to have their end-of-life needs covered by purchasing whole or term life insurance. However, this life insurance is not for everyone. There are some individuals who, because of existing health conditions, will just not qualify for the standard life policy. Also, some individuals are financially in a position where they do not need life insurance to cover their family's expenses after their death. For individuals in these two circumstances, having final expense insurance that will just cover the cost of the burial and funeral service is exactly what is needed.

Before purchasing any form of final expense insurance, do your research. Do not sign any contract until you have been able to speak with various final expense insurance providers. We offer an online resource that makes it simple for you to look at different quotes provided by different companies, and then you will be able to make an informed decision from the comfort of your own home.

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