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Final Expense Life Insurance - Quotes and Rates

 
Guaranteed Coverage - Guaranteed Level Premiums - Simple Application Process

We offer a Final Expense - Burial - Life Insurance Portfolio of whole life insurance products designed to help cover the costs associated with funeral and burial expenses, unpaid medical bills, or other financial obligations that your family may face when you die.

  Every day, families are faced with the difficult task of saying goodbye to loved ones.  

the need for final expense

  Funerals are one of the most expensive purchases many people will ever make. A traditional funeral, including a casket and vault, can cost about $6,000, and the additional expense of flowers, limousines, and obituary notices can add thousands of dollars to the total cost. Many funerals can run well over $10,000. 
(Source: Funerals: A Consumer Guide, Federal Trade Commission, March 2010)

Many people do not want to leave this financial burden with their families upon their death. A final expense, burial, whole life insurance policy can be a great way for you to protect your family from the costs of final expenses.

A few questions you may want to ask yourself:

●  How will your bills and funeral expenses be paid?
●  Who will pay for any outstanding hospital or medical bills?
●  Could your family afford to pay these bills without sacrificing
    their retirement or other savings?
 

Three products for different situations:
... these are not group life products...

Final Expense Life Insurance
 
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Ultra Protector I –
full final expense life insurance death benefit available!
UP TO $30,000
  Ultra Protector lI –
2-year graded final expense life insurance death benefit1
UP TO $30,000
  Ultra Protector III
3-year graded final expense life insurance death benefit1; guaranteed issue2
UP TO $10,000

More Benefits May Apply  Full death benefit payable for accidental death  Guaranteed level premiums  Everyone can qualify for coverage2  Coverage cannot be cancelled because of age or health  ● Burial life insurance face amounts from $2,000 to $30,000  Pipe and cigar smokers qualify for non-smoker rates 
Simple application process – No medical exams3  No telephone interview required  Quick issue – 48 hour turnaround on clean applications 
Children’s Term and Terminal Illness Accelerated Benefit Riders available on Ultra Protector 1
 

Non-smoker Classification

A non-smoker is defined as a person who has not smoked cigarettes for at least 12 months prior to the completion date of the application. Smokeless tobacco, cigar, and pipe smoking qualify as non-smoker.

Policy Loanss

Policy loans may be available. If available, the loan interest will be charged, in advance, at a fixed rate of 7.4% per year, compounded annually. This is equivalent to an effective annual rate of 8.0%, when payable in arrears. Policy loans will impact policy performance. When policy loans and interest on the loans are greater than the policy’s cash value, the policy will terminate. State variations apply.

Non-Forfeiture Options

After the policy has a cash value, and if any premium remains unpaid after the grace period, the non-forfeiture options available for Ultra Protector I, Ultra Protector II, and Ultra Protector III are reduced paid-up insurance and cash surrender. The automatic option will be reduced paid-up insurance.

Issue Ages:

Ultra Protector I:  Non-smoker: 50-85  Smoker: 50-80
Ultra Protector II: 50-80
Ultra Protector III: 50-75 age last birthday

Related:

Underwriting Final Expense - Burial - Life Insurance PDF>




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Lewis Fink is licensed as a term life agent offering term insurance quotes in the following states: Term quotes for:
Alabama - AL,  Arkansas - AR,  California - CA Colorado - CO Connecticut - CT Delaware - DE District of Columbia - DC,  Florida - FL, Georgia - GA Idaho - ID Illinois - IL Indiana - IN Iowa - IA Kansas - KS Kentucky - KY Louisiana - LA,  Maine - ME Maryland - MD Massachusetts - MA,  Michigan - MI Mississippi - MS Missouri - MO,  Montana - MT Nebraska - NE New Mexico - NM, New Jersey - NJ New York - NY,  North Carolina - NC North Dakota - ND,  Ohio - OH Oklahoma - OK Pennsylvania - PA, Rhode Island - RI South Carolina - SC,  South Dakota - SD,  Tennessee - TN Texas - TX,  Utah - UT Vermont - VT Virginia - VA, and Wisconsin - WI.  


Not all term product quotes from all term companies quoted are available in all states.

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