Here is our specialized, instant quoter for Final Expenses. In less than a minute you will be presented with a number of options. The policies you will presented are smaller, whole life insurance policies typically used for end of life planning and less than perfect health. Please be mindful that your health can have bearing on the final premium you may be offered or the specific product you are requesting. With that said, all these policies in this tool are designed for people age 50-85. Excellent health offers the lowest pricing and first day coverage and most people applying will qualify under this class (80-85%). Decent Health will price in graded policies which reduce the benefits during the first 2 years. “Poor Health” will lock in Guaranteed Issue policies which offer the lowest benefits and cost more. A 2 year limited benefit period for natural death will be part of these policies.
These are the 3 rates classes used for no exam whole insurance. issue, no exam policies that do not expire. Take your best guess on your health compared to your peers. No rate quote is locked until your official application for coverage is approved as applied for by the insurance carrier. If you choose to apply either online or over the phone with us, you will be asked basic health questions to see if you pre-qualify for the specific policy. There are no medical exam required.
If you would be more comfortable speaking with a final expense insurance agent, simply fill out the form on our contact us page or call (269) 230-3464 for assistance.
