Shield My Life

Cover your Final expenses so your family doesn’t need to.

Final Expense

Final expense insurance may be a whole insurance policy that includes a little benefit and is straightforward to induce approved for. Final expense insurance is additionally referred to as ceremonial occasion insurance, burial insurance, simplified issue whole insurance, or changed whole insurance. All relate to little whole life policies with a face worth (and death benefit) of $2,000 to $35,000.

Simple final expense insurance with no medical exams and secured coverage,

Final expense insurance helps cover your end-of-life expenses. The benefit provides a payment that’s designed to helps cover prices associated with your passing, as well as medical expenses, a memorial, or a funeral service. With final expense insurance, your close ones would tend to grieve instead of worry regarding funeral expenses.

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What are the advantages of final expense insurance?

Final Expense Insurance is an inexpensive thanks to provide your family money protection. Here are a number of advantages:

  • Affordable Premiums
  • Guaranteed death benefits as long as premiums are paid
  • Options of monthly or annual premium payments
  • Tax-deferred cash value of the insurance policy
  • Flexibility to either choose the insurance amount for burial expenses or other purposes
  • Dividend Earnings
  • Flexibility to use the dividend amount
  • Quick and easy approvals
  • Shield My Life offers the best final expense insurance policy in town.

Death is an undeniable truth, and it is also a fact that the cost of dying is usually expensive which becomes an additional burden on the demised family. As per the National Funeral Directors Association (NFDA), families have to bear an average cost of more than $7,000 to arrange a funeral. Apart from this, this does not include the price of the dome, ground digging, and headstone, and these things can cost extra thousands of dollars.

Some people opt to avoid the funeral costs by choosing a cremation, it might also not be much economical. According to National Funeral Directors Association (NFDA), the funeral cost with cremation can also cost more than $5,000.

As the huge bills of a persons  final expenses are inescapable, the majority of the people opt for a life insurance policy. Like some people choose for more strong life insurance policies that offer considerable death benefits, final expense insurance can be best for someone who only requires coverage for their final expenses.

About Final Expense Insurance Cover

Similar to other life insurance types, final expense insurance also provides death benefits (in form of lump-sum amount) to the policyholders beneficiaries. So, the beneficiaries can make use of the amount they want.

By default, final expense insurance is intended to help cover your funeral, burial, cremation, and end-life living costs. A few people also use the final expense insurance coverage to pay for extra expenditures such as flowers, obituaries, medical bills, or credit card payments.

It is also possible to allocate a final expense life insurance policy directly to the funeral home. Also, the heirs can make cash payments for the chosen services and get a reimbursement from the insurance corporation. If the policyholders family wants to pay directly to the funeral home, an official bill is required which is the right of the service user as per the Federal Trade Commissions Funeral Rule.

Is Final Expense Life Insurance Worth It?

As the final expense coverage is usually pricier, so it is sensible to look for more economical term life insurance policies if you apply at the right age with no health complications. If you do not qualify for the term life insurance policy and are worried about providing financial protection to your family after your death, then final expense insurance can be the best choice. And if you can acquire the policy without a waiting period, it can be the best thing ever.

You must understand that final expense insurance is not suited for everyone, but it is recommended for the senior citizens who want their final expenses to be covered or want some financial protection for their family. This will save your loved ones from unnecessary struggles for the burial expenses while they are upset at the loss of their family member.

When you work with a broker like Final Expense Direct, we tend to do all the work therefore you don’t need to It’s as easy as:

  • Call us at +1 (888)-431-1104
  • Get connected directly with an licensed insurance agent
  • Answer some queries
  • Decide on a plan.
  • The agent fills out the application form
  • You get approved right over the phone

We’re based mostly in Bogner Drive Dale City, Virginia, and work with Americans like yourself daily. allow us to give you and your favorite ones peace of mind therefore you’ll be able to pay the remainder of your time of life enjoying your life till the great Lord calls you home.

Pros and Cons of Final Expense Insurance

Hence, common pros of Final expense insurance are:

  • Policies are widely offered, even to candidates with health problems
  • No medical check is termed for
  • Policy premiums are fixed
  • Death benefit is guaranteed
  • The policy is sure to never expire as long as the premiums are being paid
  • Death benefit can be used for any purpose and isn’t taxable

Common cons of final expense insurance are:

  • Relatively low death advantages, which can not end up to be useful if the insured person is younger
  • One missed premium payment could terminate the policy (also true for alternative insurance types).
  • With a final expense policy you may probably pay premiums for the rest of your lifetime.

Overall, final expense insurance policies are recommended to those that cannot qualify for a much better choice as a result of premiums is higher for a few different insurance types. (this holds significantly true just in case of younger those that don’t ought to bypass a health exam)


Everything thought-about final expense policies could also be an honest resolution for those that want to avoid a health communication. Shield My Life love Life final expense policy helps contract with a money worth that builds over time that guarantees mounted premiums and permits for borrowing whenever required could also be a more better alternative different to generally too final expense policies, particularly if you’re searching for the next benefit. one among the most advantages of this policy is that it’s guaranted to never expire, that represents a sustainable solution, only if the premiums are fixed. once reading this, you would possibly need to induce Final Expense Insurance too.

Get Final Expense life insurance Quote from Sheild My Life

If you discover yourself in a situation where you wish to produce higher support for your preferred ones, however the value of a standard whole life insurance policy could be a little too high, final expense insurance policy helps could also be the proper selection for you. experience the relief that comes with knowing your family will be cared for with Shield My Life Final Expense Whole life insurance policy helps and celebrate each moment left along.