February 15, 2022

Senior Life Insurance is a great way to get life insurance if you are over the age of 50.  Often times this coverage is also called Final Expense, Burial Life, or Guaranteed Issue life insurance.  Essentially they are all just whole life insurance that in most cases covers you up until your death with little or NO underwriting required.

Coverage usually comes in small amounts to help pay for final expenses after you've passed away, helping loved ones cover the costs of a funeral or any medical bills left behind.  Since it's whole life coverage its guaranteed to give you coverage at the time of your death or you reach the age 100, whichever comes first, and the premiums never change as long as premiums are paid when due, the rate you get now will be locked in for as long as you have this insurance.

Coverage choices can range from as little as $5,000 up to about $50,000.

Choosing the amount of final expense life insurance to apply for depends a lot on your own preferences.  

Most final expense plans have these features:

  • Whole life insurance – no expiration if premiums are paid
  • Cash value – insured may be able to take out a policy loan
  • Fixed premiums as long as they’re paid
  • Simplified issue – usually no medical exam (also called a life insurance exam) is required, just health questions on the application
  • Easy application process
  • Fast approvals – coverage can often be issued in days
  • Affordable rates

Final Expense insurance isn’t something we like to think about, but it’s relatively simple and affordable to buy final expense insurance that will help your family carry out your wishes without financial worry. Funeral costs can add up very quickly, and during a time of grief, your family may find it difficult to make financial decisions. Planning ahead by purchasing burial insurance will give you and your family peace of mind.

Ethos Life

Our agency offers final expense life insurance from multiple carriers and can help you obtain burial insurance quotes for your personal needs. We have final expense policies for people with any medical background.  Working with a licensed agent to secure this insurance will also help you to communicate your wishes to a loved one. For help with final expense insurance quotes, call our agency today.

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