Term life insurance provides coverage for a specified term, typically 10, 20, or 30 years. It offers a death benefit to your beneficiaries if you pass away during the term, but it doesn't accumulate cash value. Whole life insurance, on the other hand, provides lifelong coverage and includes a savings component that builds cash value over time. While term insurance is usually more affordable, whole life insurance can serve as both protection and a long-term investment.

One of the biggest benefits of final expense insurance is that they do not require a medical exam. Instead, a simple medical and prescription history check is done using your medical records for last 7 years. This makes the approval process very simple and allows you to get up to $50,000 in coverages without any blood or urinalysis.

Once you pass, your beneficiary simply has to contact the carrier or us directly and we can assist in filing all needed paperwork. Claims are typically paid out with 24 hours of death.