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What Is Final Expense Life Insurance?
Final Expense Life Insurance is a great way to get insurance coverage if you’re between ages 50 and 80. It comes in small amounts so it can help pay for final expenses after you’ve passed away. It can help your loved ones cover the costs of a funeral or any medical bills left behind. Since it’s a whole life policy, it provides lifelong coverage and affordable premiums that never change.
With access to a spectrum of insurance companies, we can keep affordability in mind and make it easy to get covered.
A simplified application process
No required medical exam
Only a few health questions to help determine eligibility
What Is Return of Premium Term Life Insurance?
Return of Premium Term Life Insurance is a great way to get insurance coverage during your working years. It insures your life for a specified term of 20 or 30 years. Return of Premium or ROP is a unique rider that would be included in this policy. It means that at the end of your term, you would get all of the premiums you paid back. Think of it like a forced savings account. You pay for a death benefit where if something were to happen to you, your family would be covered. But, if you outlive the term then you get every penny you paid back into your pocket. A normal term policy would just expire, but this policy would guarantee your money.
Unlike a traditional life insurance policy, there is a simplified application process:
E-sign or phone verification for signatures
No required medical exam
Only a few health questions to help determine eligibility
Coverage within days or even hours.