Planning for Final Expenses with Whole Life Insurance

A non-medical whole life option designed to ease the financial pressure on loved ones around end-of-life and funeral costs.

When someone dies, the people closest to them often have to make arrangements and pay expenses while they are grieving. Planning ahead can ease some of that financial pressure.

I offer a whole life insurance plan for end-of-life and final expense needs. It is completely non-medical, with coverage available up to $80,000, subject to the plan's eligibility terms.

Pay for a limited time. Keep the coverage for life.

You pay premiums for 25 years or until age 85, whichever comes first. Once you have completed the required payments, the policy stays in place for the rest of your life. It does not expire because you reach a certain age.

The benefit is payable when you die, whether you are still making payments or have completed them, subject to the policy's terms.

What can the benefit help pay for?

The benefit is paid to the beneficiary you name. They can use it to help with funeral or burial arrangements, outstanding bills, or other needs your family may have at the time.

Why consider a separate final expense plan?

A term life policy can provide a larger amount of cover for needs such as a mortgage or replacing income while your family depends on it. This whole life plan serves a different purpose: leaving a benefit available for your family whenever you pass away.

Many people choose both types of coverage because they address different needs.

What does “non-medical” mean?

This option does not require a medical examination. Before applying, we will review the cost, eligibility, payment schedule, and how the benefit works in the early years of the policy, so you know what to expect.

Get in touch to discuss how this plan can fit your needs and budget.