Final Expense Solutions in Ohio

If the thought of how your family will manage your final expenses concerns you, consider exploring burial insurance, also known as final expense insurance. This product offers you the opportunity to provide your beneficiary with a payment upon your passing.

Burial insurance plans function similarly to traditional life insurance but with a smaller death benefit. They fall under the category of whole life insurance. Despite the reduced benefit, it should still be adequate to cover the average final expenses of deceased Ohio residents, which is approximately $12,470.

Understanding Final Expense Insurance

Final expense insurance is a type of whole life insurance policy with a moderate death benefit. These plans are easier to qualify for than traditional life insurance because they typically do not require a medical exam. Often referred to as funeral insurance or burial insurance, the death benefit is designed to cover the expenses associated with funerals and burials.

While some individuals use final expense insurance to cover other costs such as living expenses or unpaid medical bills, it's essential to note that the death benefit is not intended to replace income upon death.

Yes! I Want This Coverage

How to Obtain Coverage in Ohio

To purchase a final expense insurance policy, complete an application and qualify for coverage. Qualification involves answering a series of health questions that the insurance adjuster uses to assess the associated risk of insuring you. If you encounter challenges in qualifying due to health questions, there's an alternative.

Understanding Guaranteed Issue Life Insurance

If traditional life insurance is unattainable in Ohio due to health-related issues, a guaranteed issue policy remains an option. These are a type of final expense plan that accepts all applicants, even those with conditions like cancer, diabetes, or Parkinson's disease. While guaranteed issue plans provide approval to all applicants, they tend to come with higher costs compared to simplified issue final expense policies.

Call for a Free Quote

A final expense insurance policy can shield your family from unnecessary financial burdens upon your passing. Contrary to common belief, coverage is more affordable than anticipated, with plans typically costing between $30 and $60 per month in Ohio. Don't delay any further—call today for your free quote.

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