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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:
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.
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.
As you approach the age of 65, transitioning to Medicare becomes an imminent reality. Understanding Medicare’s intricacies can ensure that you receive the benefits you’re entitled to without any unnecessary delays or penalties. If you’re approximately six months away from Medicare eligibility, it’s crucial to begin preparing now. Here’s what you need to know.Understanding Medicare
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Read MoreNavigating Medicare Options with Confidence: Your Guide to Overcoming Hesitations and Choosing the Right Plan Are you feeling overwhelmed by the complexities of Medicare plans? Do you find yourself hesitating when it comes to selecting the right coverage for your healthcare needs? You’re not alone. Understanding the differences between Medicare supplement and Medicare Advantage plans
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Read MoreMedicare beneficiaries often find themselves navigating through a plethora of Medicare Advantage plans, each tailored to address specific healthcare needs. Among these specialized plans are Medicare Special Needs Plans (SNPs), designed to provide targeted care to beneficiaries facing unique circumstances. Let’s delve deeper into the world of SNPs and understand how they cater to individuals
Read MoreDetermining Your Needs. Are you a Medicare beneficiary unsure whether to choose a Medicare Supplement or a Medicare Advantage plan during the Annual Enrollment Period? By asking yourself the right questions, you can determine the coverage that aligns best with your healthcare needs. It’s important to remember that not every plan is suitable for
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