Final Expense Solutions in Texas

Ease your concerns about how your family will manage your end-of-life expenses by considering the purchase of a final expense insurance policy. This type of insurance allows you to prepare for common end-of-life costs, such as burial, cremation, and funerals. Even if previous attempts to secure life insurance have been unsuccessful, final expense insurance remains a viable option.

These plans are more inclusive, accepting a wider range of applicants compared to traditional life insurance. To discover more about final expense insurance and its associated benefits, continue reading.

Understanding Final Expense Insurance

Final expense insurance is a unique form of life insurance that falls under the category of whole life insurance. These plans offer policyholders life coverage that remains in effect as long as premiums are paid. In the event of the insured person's death during the policy's active period, the beneficiaries listed in the policy receive a predetermined death benefit payment. This payment is established when the contract is signed and is typically unalterable during the policy's active term.

Yes! I Want This Coverage

No Medical Exams Required

Unlike traditional life insurance plans that almost always mandate a medical exam, final expense insurance does not have this requirement. The medical exam often poses a barrier to qualification for traditional life insurance, especially for individuals who are sick or above a certain age.

With final expense plans, applicants only need to answer a set of essential medical questions. While some questions are basic, others may inquire about more detailed aspects of your medical history. Typically, prescription history is also reviewed to confirm your overall medical condition. Overall, final expense insurance is more accessible, with a lower likelihood of denial compared to traditional life insurance.

Guaranteed Issue Final Expense Insurance

For those who may face denial for final expense insurance, guaranteed issue final expense plans offer a solution. These plans accept all applicants, eliminating the possibility of rejection. This is particularly beneficial for individuals with chronic conditions that may hinder acceptance by other plans.

Although guaranteed issue final expense plans come with higher costs compared to other final expense plans, the benefits justify the investment. They ensure that your family receives the necessary funds to give you a proper farewell after your passing.

Get Final Expense Coverage Today

Senior Life Services is prepared to assist you in obtaining the coverage you seek. To learn more, call us at 800-548-3249 today!

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