A Final Expense policy can provide an invaluable peace of mind for your loved ones. The recollections and impressions that you leave behind when you pass are how you will be memorialized when your moment has arrived. Leave behind a legacy of jubilation and joy instead of final expense costs and burdens. In this article, we discover how affordable $6,000 final expense insurance quotes really are.
End-of-life preparation can really feel like a challenging decision, but it is definitely one that should certainly not be left as a burden for your surviving loved ones. The multitude of funeral costs accumulates rapidly and without a final expense insurance plan, most families have a hard time to provide the money needed to cover the costs. This can lead to foregoing tuition coverage, mortgage payments, and many other unexpected cuts.
There is already enough emotional baggage in a time of loss. Economic stress can overpower those that are left to address the funeral, burial and other end-of-life costs. By thinking ahead about final expenses, you will be equipped to display your support for your surviving loved ones when they need it the most.
What is Final Expense Life Insurance?
Final Expense Life Insurance is a whole life insurance policy developed to deal with all the expenses associated with your death. This can include final medical expenses but is often targeted at all of the expenses that go into funeral costs such as embalming or cremation, caskets, and vaults, facilities charges, memorial services, and transportation.
With your attention often directed at existing health care insurance costs, it is really easy to neglect the necessary arranging for end-of-life expenses. These expenses are not something that can be postponed until the last minute. Tie up all your loose ends in advance so that your loved ones are not left to start selling their individual assets or start using money in savings accounts in order to cover your final expense costs.
Is Final Expense Insurance Expensive?
On the contrary, Final Expense Insurance plans are reasonably priced and do not call for a medical exam or blood and urine tests, unlike other traditional life insurance plans. Because every plan can be created individually, you decide how much you would like to contribute.
You can compare Final Expense Quotes with our Insurance Calculator, and find the most beneficial final expense plan. Individuals with preexisting health conditions will not be turned away from a Final Expense plan either, and many companies will offer coverage for applicants up to 85 years-old.
$6,000 Final Expense Quotes
For many people, the idea of a cremation service is attractive because the cost is more than half that of a traditional funeral. And for others who may already have some life insurance, they might simply want to add some coverage to their existing policy. For this reason, we are offering the rates for a $6,000 Final Expense Insurance policy. These rates are divided by age groups and give an accurate indication of your cost of insurance. For a detailed quote for your current age, please use our instant quote engine on the side of this page.
$6,000 Final Expense Quotes – Level Benefit
When you review the information below, you will find actual rates from a highly-rated life insurer that offers Final Expense Insurance. We have also provided several assumptions:
- Rates are based on non-smokers. Those who smoke will pay a lot more insurance premiums.
- The monthly rates are determined by your age group. For a quote based on your exact age, simply fill out our instant quote form.
- We represent many highly-rated life insurance companies but feel this selection will provide an accurate picture of the premium you can expect to pay.
What if I’m Declined?
One of the great benefits of Final Expense Insurance is that virtually anyone can find coverage. Although there is no medical exam required for a traditional Final Expense Policy, there are some medical questions that if answered “yes” could disqualify an applicant from coverage.
There is, however, Guaranteed Acceptance insurance policies available where the only requirement is that you fall within the minimum and maximum age range. There are no health questions and there are no medical exams or blood and urine tests required. Hence the “guaranteed acceptance” description is certainly appropriate.
Using the same assumptions that are listed above, here are our best rates for guaranteed acceptance $6,0000 Final Expense Quotes:
Final Expense Insurance Level Benefit versus Guaranteed Acceptance
When considering $6,000 final expense quotes, it’s important that you understand the difference between the level benefit and guaranteed acceptance policies.
- Level Benefit: Although no medical exam or blood and urine tests are required, the level benefit policy does contain health questions that could possibly exclude the applicant from coverage. Like traditional life insurance policies, the level benefit final expense policy provides coverage for death from natural and accidental causes from the first day.
- Guaranteed Acceptance: This type of policy contains a “graded benefit” which means that there is typically a two or three-year waiting period when the insurer will not pay the full death benefit for death from natural causes.
Select a Specialist for Final Expense Insurance
The best method for purchasing final expense insurance at the most affordable rates is to select an agency that specializes in Final Expense Insurance. At Docktor’s Insurance, our insurance professionals have a great deal of experience with developing affordable final expense insurance programs and have access to multiple high-rated insurers who will deliver a solution for your particular circumstances.