Final Expense Life Insurance

Permanent life insurance designed with the person in mind who has found it difficult or impossible to obtain life insurance in the past because of poor health or advancing age.

Protection When Your Family Needs It Most…

Decisions at the time of a loved one’s death are some of the most difficult a family will ever be forced to make.

Many people wonder where will the money come from and how much will be needed. Expenses can include the cost of a funeral, but also the unanticipated charges such as medical costs not covered by your health insurance, other unpaid bills and even state and federal taxes. Funeral costs alone can be as much as $10,000 or even more depending on where you live and your personal preferences.

Social Security only pays a one-time death benefit of $255.00 to the surviving spouse or dependent child/children of an insured participant. Life insurance can make some hard choices easier by making funds available just when they are needed. Through thoughtful planning today, you can help relieve the ones left behind of the worry of how to fund these final expenses.

Our plans are issued on a simplified issue basis that involves a short application without additional medical requirements or exams. Each plan creates cash value that is accessible by policy loans (loans reduce the death proceeds), allows easy premium payment through bank draft or billings, and can never be cancelled except for nonpayment of premium.

We also have plans that ask absolutely no health questions, guaranteeing your insurability regardless of health conditions.

Our plans Include:

  • Whole Life Plan, builds cash value.
  • Immediate death benefit whole life plan.*
  • Issue ages are from 0 to 89.
  • Premiums are guaranteed never to increase.
  • Accelerated Death Benefit Rider.*
  • Double indemnity for accident.*

* not available on all plans.