Skip to Main Content
1-855-700-8583( TTY: 711)|Mon - Fri, 8 AM - 8 PM ET
  • 1-855-700-8583 | TTY: 711
    Call a licensed insurance agent Mon - Fri, 8 AM - 8 PM ET
Back to Learning Center
Introductions To Final Expense

Introduction to Life Insurance

A life insurance policy can help protect your family’s financial security, their future, and their peace of mind. Find out if the kinds of life insurance we offer might be right for you.

Life Insurance Options

Coverage Options

    Applying for Life Insurance

    Coverage Options

    Each type of life insurance policy has their own way of qualifying applicants and deciding age limits, premiums and policy value. For example, Final Expense policies often have higher age limits but lower face value, and Indexed Universal Life with its medical underwriting can offer better premiums for those in good health.When choosing life insurance coverage, there are many options available. To make sure you have the right coverage for your unique situation, talk to a trusted licensed insurance agent.

    Ready to Take the Next Step?

    Responsive Image

    Ready to find coverage in your area?

    View Life Insurance coverage options in your area
    Responsive Image

    Get personalized guidance

    Connect with a licensed insurance agent1-855-700-8583Or have an agent contact you

    Applying for Life Insurance

    back arrow
    Connect with us

    Final expense life insurance may not cover the entire cost of your funeral and may be used by the designated beneficiary for any purpose rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. A policy owner does not have the ability to make unlimited payments into the policy. If too much is paid into the policy, it will become a Modified Endowment Contract (MEC) and withdrawals and loans will be taxable. Coverage may not be available in all states and may vary by state. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

    Need help making a decision?
    Get personalized guidanceConnect with a licensed insurance agent.1-855-700-8583 | TTY: 711Or have an agent contact you.
    Need help making a decision?
    White and blue message boxes