FINAL EXPENSE INSURANCE
Taking steps towards a secure tomorrow for your family
No Health Exam Required
Fixed Monthly Rates that don’t increase
Consistent Benefits that never decrease
COVERAGE UP TO $50,000
I’M Franklyn Rosario
Licensed Broker & Senior Field Underwriter
It's not about how much life insurance you need. It's about how much life insurance your family or loved ones need when you're not here.
I’M Franklyn Rosario
Licensed Broker & Senior Field Underwriter
It's not about how much life insurance you need. It's about how much life insurance your family or loved ones need when you're not here.
Final expense insurance is usually a Whole Life Inurance Policy that has a small death benefit to cover items that generally come when someone passes away. They are typically easier to get approved for and called Simplified Issued Life Insurance Policies. They can also be Guaranteed Life Insurance Policies or Modified/Graded Life Insurance. Be aware of Guaranteed Issue, Modified or Graded Insurance as these will typically have a 2 year waiting period. This type of insurance may not be the best option for you.
The typlical Face Amount of Death Benefit for this type of coverage ranges between $2,000 to $50,000. Final Expense Insurance has a Death Benefit designed to cover expenses that usally occur at end of life, but can be used for anything at all as the beneficary as the final say on what the money is used for.
Final expense insurance is a small whole life insurance policy that is easy to qualify for.
The beneficiaries of a final expense life insurance policy can use the policy’s payout to pay for a funeral service, casket or cremation, medical bills, nursing home bills, an obituary, flowers, and more. However, the death benefit can be used for any purpose whatsoever.
The death benefit is usually somewhere between $2,000 and $50,000.
The average cost of a funeral ranges between $7,000 and $12,000
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Despite Medicare or private insurance coverage, elderly households may still face considerable financial risk from out-of-pocket health care expenses at the end of life.
The legal proceedings referred to as probate, and related accounting fees, can be a shock to family and loved ones. Probate costs vary by state while the probate process can take months, or years.
A funeral can be one of your family’s largest expenses. The average cost of a funeral is $7,848.1
While many believe that cremation is a far less expensive option, data shows that the cost is only 15% less than the traditional funeral.
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