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1. The reason you purchase final expense coverage is not for yourself: it's to help take the FINANCIAL BURDEN off your loved ones during a very stressful time.

2. Death benefits may go to your beneficiary INCOME TAX-FREE!

3. Your beneficiaries may use ANY FUNERAL HOME you or they select.

4. The death benefit proceeds may come directly to your beneficiary or may be ASSIGNED by your beneficiary to the funeral home.

5. Nursing homes, hospitals, and other creditors CANNOT access your beneficiary's benefits.

6. Allows flexibility to express YOUR final arrangement wishes with your designated beneficiary.

7. This policy may help provide you and your loved ones PEACE OF MIND!

8. The LONGER you wait, the MORE it costs!

Final expense life insurance is a type of permanent whole life policy designed to cover end-of-life costs, such as funeral and burial expenses, medical bills, and legal fees. It is also known as burial insurance or funeral insurance and typically offers a smaller death benefit compared to traditional life insurance, with premiums that remain level for life. Many policies do not require a medical exam, instead relying on a health questionnaire for approval. 

Seniors: Often the target demographic, as it provides a simple way to handle funeral and burial costs without a medical exam. Coverage is frequently available for those between 50 and 85.

• No medical exam required: Many policies are approved based on health questions alone, and some are guaranteed acceptance.
• Fixed and affordable premiums: Payments are typically fixed for life and are often lower than traditional policies.
• Simplicity: The application process is straightforward and the benefit amount is smaller, making it easier to understand and purchase than complex policies. 

• Age: Most providers require you to be between 50 and 85, though some may offer coverage up to an older age.
• Health Questions: The most common policies ask a limited number of health questions about conditions like smoking, heart disease, or stroke. Most applicants can still qualify even with some health issues.
• No Medical Exam: Unlike traditional life insurance, final expense insurance typically does not require a medical exam.