Final Expense Insurance: What You Need to Know

What is Final Expense Insurance?

Final expense insurance, also known as burial insurance, is a whole life insurance policy designed to cover end-of-life expenses such as funeral costs, medical bills, and other outstanding debts. With the average funeral costing between $7,000 and $12,000, having a final expense policy ensures that your loved ones won’t be left with a financial burden during an already difficult time.

Why Should You Have Final Expense Insurance?

Many assume their existing life insurance or savings will be enough to cover funeral costs, but that isn’t always the case. Final expense insurance offers peace of mind by providing a dedicated fund for these expenses. The benefits include:

✅ Whole Life Coverage – The policy never expires as long as premiums are paid.
✅ Fixed Premiums – The price never increases, no matter your age or health changes.
✅ Guaranteed Coverage – Your death benefit never decreases.
✅ Same-Day Coverage – Most policies provide immediate protection, meaning no waiting period.
✅ No Medical Exam – Just answer a few basic health questions.

Who is Final Expense Insurance For?

This type of insurance is ideal for:

• Seniors who want to ensure their family isn’t left with financial stress.
• Individuals with limited or no savings set aside for funeral costs.
• Those looking for an easy, affordable way to leave a financial legacy.
• People who may not qualify for traditional life insurance due to health issues.

Beware of the $9.95 Gimmick!

If you’ve watched late-night TV, you’ve probably seen commercials offering life insurance for just $9.95 per month. While these ads make it sound like an unbeatable deal, the reality is far different. These policies are often guaranteed issue, meaning they accept everyone regardless of health—but at a cost:

❌ Coverage is usually very low (sometimes less than $1,000).
❌ There is often a 2-year waiting period before full benefits are paid.
❌ Premiums add up over time, often costing far more than a proper final expense policy.

At Go Insure Direct, we can help you find better options—with full coverage, same-day approval, and no two-year wait.

Why Guaranteed Issue Isn’t Always the Best Choice

Guaranteed issue policies accept all applicants but have drawbacks like higher costs and long waiting periods. In most cases, a level benefit policy is the best choice:

✔️ Guaranteed Issue Policies – Accept all applicants, but have a waiting period before full benefits are paid.
✔️ Level Benefit Policies – Offer immediate coverage, lower premiums, and no waiting period for most applicants.

At Go Insure Direct, we help you qualify for the best coverage possible based on your health.

We Offer Multiple Carriers for the Best Coverage

Unlike one-size-fits-all policies, we work with several top-rated insurance carriers that provide coverage for health-related conditions that others may not—often at a lower cost. Our process is simple:

✅ We evaluate your health, age, and other factors.
✅ We narrow down the best insurance carriers for your unique situation.
✅ We find you the best policy with the most coverage at the lowest price.

Many People Overpay or Have the Wrong Coverage

Many assume their current life insurance is sufficient, but 7 out of 10 people either overpay or have the wrong type of coverage. That’s why we offer a free policy review to ensure you and your family are truly protected.

Final Expense Insurance Made Easy

Applying for final expense coverage is simple and hassle-free:

1️⃣ No Medical Exam Required – Just answer basic health questions.
2️⃣ Quick and Easy Application – Takes less than 30 minutes.
3️⃣ Instant Decisions – Most policies are approved immediately.

With Go Insure Direct, you don’t have to navigate this process alone. Our team works with multiple top-rated insurance carriers to find you the best coverage at the best price—no gimmicks, no waiting, no surprises.

Take the Next Step

Protecting your loved ones is one of the greatest gifts you can give. Call us today for your free policy review, and let’s make sure you have the right coverage in place before it’s too late! Get quotes and Learn how we differ than the rest CLICK HERE

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Written by Greg O’Rourke, a multi-state independent licensed Life, Health, and Annuities agent. Contact me to help you find the best rates with no obligation or pressure. 904-373-8374 / Goinsuredirect.com