Plus many more…
Even though you may be able to qualify for coverage while having health conditions, there can be a wide range of the monthly premiums depending on each insurance company. Insurance companies have their own rules that will affect your eligibility and your rates. This is where our expertise can really help you find the burial / final expense insurance policy that will give the best rates.
There are also policies for people who have too many serious health conditions and do not qualify for an immediate coverage final expense insurance policy – these policies are called Guaranteed Issue Policies. The Guaranteed Issue Policies do not have any health questions or medical underwriting at all – they are guaranteed to be approved, but usually have a 2 year waiting period. This type of policy can be a blessing for those who have serious health issues, but can be costly if you don’t know which companies have better rates for this type of policy.
We understand guaranteed issue policies are necessary for certain serious health conditions, but most of the time we are able to find our clients immediate final expense insurance coverage. We have even helped clients who came to us for a policy review (with a guaranteed issued policy) not only save money, but find them immediate day one coverage.
Since we are specialists in burial insurance / final expense / funeral insurance policies, we are able to help you find the best company for you usually with immediate coverage while saving you money. That is our mission, and it’s truly a joy to be able to help others in this way.
WHY WOULD YOU WANT TO BUY A BURIAL INSURANCE POLICY / FINAL EXPENSE INSURANCE POLICY?
There are many reasons people buy burial type insurance policies, but the main reason is they care about their family and don’t want to leave a burden of funeral cost and other final expenses. Or you may want to leave extra money as a gift to children, grandchildren, to a church or charity. Or if you have a mortgage payment, you want to make sure there is money to pay the mortgage until the house can be sold (usually 6 months to a year). Whatever your reason is, we are here to help you find the best policy for your specific situation.
WE MAKE APPLYING FOR A BURIAL INSURANCE / FINAL EXPENSE POLICY SIMPLE FOR EVERYONE
Applying for a burial/final expense insurance plan is straight forward, simple, and only takes a few minutes. There isn’t any type of exam required, you just answer a few health questions to see which companies will give you the best rates. After you determine how much coverage you want and which company you would like to go with, there are two ways to apply for coverage, and we are here to help you every step of the way.