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Final Expense Insurance – 6 Steps To Get The Best Policy

Final expense insurance – the one insurance product we KNOW we need! But often we put off.

And if you’re like most of my clients, you see tons of junk mail and television ads offering final expense life insurance.

And that’s why I’m writing this article for you. There is so much misinformation regarding final expense insurance. Even worse, many are unaware of the competitively-priced final expense insurance options available to them.

When it comes to the television and junk mail final expense insurance companies, most have “fine print gotcha” clauses that will cause you grief. In fact, many I talk to are convinced they cannot qualify for affordable, high quality final expense life insurance.

How To Get Affordable Final Expense Life Insurance?

final expense insurance

Final expense insurance through “junk mail” and TV ads are usually bad deals!

Luckily, most people can qualify for excellent final expense insurance at great rates. All you need to know are the facts, so you can pick the best plan.

This article is designed to do just that! Since 2011, I’ve seen too many final expense insurance companies ripping off regular people. And what’s shocking is that these rip-off final expense insurance options are name-brand companies you’ve heard of!

My goal is to give you the information necessary to empower yourself. By the end of this article, you’ll know how to select the best final expense insurance plan. That way, your loved ones will not worry about paying for your burial, cremation, or any other final expenses.

Step 1: Final Expense Insurance Based Around Your NEEDS.

As a final expense insurance agent, my goal is to help people like you find a plan that actually does the job you want to accomplish. And, if you’re like most, you’re on a fixed income. Your budget only allows so much for a final expense insurance plan.

Therefore, when you buy a final expense life insurance plan, make sure it meets your needs!

Your final expense life insurance plan should be EASILY affordable!

And the first need is that it fits your budget.

First, do NOT let an insurance agent persuade you to spend more than you can afford. Instead, you MUST buy a plan it fits your budget.

Sometimes you’re best served through starting with a lower-priced plan. Why? Because losing your final expense insurance policy is unfortunate. Which is why focusing on affordable first is crucial!

First, focus on working within your means. Know your budget. Also, keep in mind a premium that’s easily affordable. Let that be your guiding light.

Step 2: What’s The Best Final Expense Life Insurance – Term Or Whole?

Now, let me describe to you the difference between term life and whole life insurance.

Term life insurance is what we call “terminating insurance.” Simply put, term life insurance cancels at a future date. And with most final expense insurance term products, 80 is the cancellation age. And since people living longer lives, many people who purchase term life insurance will outlive them. And not have final expense insurance… exactly at the point they need it!

Think about it. How would you feel if you lost your final expense insurance? Feels like you’re getting ripped off, right?

Term Insurance Goes Up In Price AND Cancels, Too!

This is exactly what I tell my clients. And not only do term life insurance plans cancel, they also go up in price, too!

If final expense insurance is important to you to own, then avoid term life insurance. In most cases, it’s not going to be there when you need it. And, if it is, it’s usually too expensive to keep!

Term Insurance WILL run out. The question is, when?

What’s the solution? I recommend final expense whole life insurance.

Whole life insurance never cancels because of age or health, premiums never increase, and in many cases, you’re fully approved and covered from the first day. Naturally, getting full-coverage final expense whole life insurance depends on answering a set of health-related questions. However, many people do qualify for full coverage. In most cases, this is the best kind of final expense whole life insurance plan to own.

Here’s the takeaway: Do you plan on dying before or after 80? Don’t know? None of us do!

If you feel the same way, final expense whole life insurance is best. Because it will be there no matter when pass. Without having ever-increasing premiums that you can’t afford.

Step 3: The Truth Behind “Junk Mail” Final Expense Insurance.

Do you watch television? Are you receiving tons of junk mail daily? If so, I know you see all sorts of ads about final expense insurance.

Be careful with junk mail final expense insurance offers! Why be wary? Because the final expense companies do a superb job describing their final expense insurance. In some cases, these companies are known for bringing on celebrities for personal endorsements.

Unfortunately, these final expense companies use celebrity endorsements and fancy for a specific reason…

To DISTRACT You From The Final Expense Insurance “Fine Print!”

Want the “ugly” truth? Many of these final expense life insurance companies only offer a “guaranteed acceptance” policy that offers no coverage for two years!

final expense whole life insurance

Always review the fine print in ANY final expense whole life insurance product!

Meaning, if you die within the first two years, your loved ones do NOT get the full payout!

Also, many of the final expense insurance policies are term insurance. As we described above, term insurance for final expense typically go up every 5 years and cancel at 80.

How do you get around this? You have to deal with what is known an independent agent. An independent agent shops different final expense whole life insurance companies. The goal is to get you the best price and value of coverage.

Even better, many of these agents have final expense whole life insurance policy offers you can’t find anywhere else. And people are shocked at how much better of deal they get compared to the junk mail companies.

So deal with an independent agent. But make sure the agent isn’t pushy, is someone you can trust, and is interested in helping you.

Step 4: Consider Working With An Independent Final Expense Insurance Broker, NOT A Captive Agent.

This is a great step all people considering final expense insurance should take. First, let me describe the difference.

A captive final expense insurance agent is beholden to one life insurance company. By definition, the captive agent can usually offer only one final expense insurance option. And in most cases, the option is neither the best price nor the best value in final expense life insurance coverage!

An independent final expense whole life insurance agent gives you multiple options. If they operate as I do, they carry about 15 different insurance companies. And once they ask the client the health questions, the independent final expense life insurance agent selects the best value for the client. And many times, issues like age and health aren’t nearly as much of a factor in getting coverage.

More often than not, this leads to a better deal for you!

Always get the best final expense deal you can for you and your family!

You typically get more final expense insurance coverage and a better premium. Plus, the experience is more positive. Whereas, if you get stuck with the one-trick pony final expense insurance agent, you’re going to spend too much and not get the best coverage.

Ask yourself this. Would you prefer to get the best deal for final expense insurance? Or would you prefer to work with somebody who can’t?

Most people want the best deal! So, working with an independent final expense whole life insurance agent is very important.

Step 5: How To Select The Best Final Expense Life Insurance Plan

This steps relates to the first step. You want a final expense life insurance plan that meets your needs and covers all expenses.

Sometimes, the final expense insurance policies aren’t going to be able to cover all of the final expenses. Why? Because most people in retirement are not made of money!

So, what do you do if you can’t get a plan that covers everything? Think, “Something is better than nothing.”

In my experience, no funeral home refused half of the money required to bury someone. And many times, funeral directors will work with you if you can come up with part of the payment. It’s better to get some money than none, after all!

Step 6: How To Qualify For Final Expense Life Insurance With No Exam, And No Visit From A Salesperson.

You can now purchase final expense insurance without a visit from a salesperson.

Advancements in qualifying for final expense whole life insurance allows many get quality coverage without a visit from an insurance agent.

Many people nowadays are uncomfortable having a stranger visit. Moreso, people are just downright leery with the way the world is these days! And I certainly don’t blame them.

I’ve sold final expense whole life insurance face to face my entire career. So I understand why some people have issues with face-to-face visits.

Get Final Expense Insurance Without A Visit From An Agent!

That’s why I have developed the ability to help people over the phone without requiring a visit!

Here’s the thing. If you deal with somebody over the phone, you want to make sure they’re legitimate. This is the reason why I wrote this article for you. I want tp demonstrate my knowledge to you about the final expense programs available to you. I want to show you it is possible to get quality final expense life insurance, without spending a lot of money. And do it in a way that’s convenient for you.

I now specialize in helping people without seeing them face to face in many states across the nation. Odds are, if you’re reading this, I’m licensed in your state and can help you out.

If you’re interested to see how the process actually works, all you have to do is complete a simple application. Most of the time this can be done over the phone. And no medical exams are required, too. The final expense insurance company will run your records, and your final expense insurance policy usually gets approved right on the spot. Most of the time there is zero paperwork! It is a great way to get a good, quality, affordable final expense life insurance plan without spending a lot of money.

Next Steps To Getting Affordable Final Expense Insurance

I would be remiss without offering my services to you at the conclusion of this article. I do hope what you found is valuable and shows my experience.

So how do you actually get more information on what your options are? Since everyone’s health is different and states have different companies, the best thing you can do is go to call me at 888-626-0439. Or, go to to send a message. We’ll get back to you with more information about what your options are for coverage. Make sure you fill the form out completely. That will help us to better prepare for speaking with you to get you the final expense insurance plan that works best for you.