How Can Final Expense Insurance Help?

Medical Bills Not Covered by Insurance:
Even with Medicare or private insurance, many seniors face out-of-pocket medical expenses in their final days. Final expense insurance can help fill that gap.

Legal and Accounting Fees:
Probate and related legal costs can catch families off guard. These expenses vary by state and the process can take months or even years to resolve.

Funeral and Burial Costs:
Funerals are one of the most significant end-of-life expenses. The average funeral in the U.S. costs around $8,300. Even cremation, often thought to be more affordable, averages only 28% less in cost.

Features of Final Expense Insurance

• Affordable Premiums
  Our policies offer fixed, competitive rates that won’t change over time.
• Cash Benefits Paid Directly
  The benefit can be used to cover funeral costs, outstanding bills, or any needs your family may face.
• No Medical Exam Required
  Most applicants only need to answer a short health questionnaire—no physical exam necessary.
• Lifetime Coverage
  As long as premiums are paid, your policy stays in force for life.
• Builds Cash Value
  Your policy accumulates cash value over time, which you can borrow against or use as a non-forfeiture option if needed.
• Flexible Payment Options
  Choose a payment schedule that suits your lifestyle—even align payments with your Social Security deposit schedule.

At Extensive Family Life, we’re here to help you find a plan that fits your needs and your budget.

Optional Riders for Added Coverage

Accelerated Death Benefit Rider
Provides up to 50% of your death benefit (less any loans) if you’re diagnosed with a terminal illness with a life expectancy of 12 months or less. Payouts range from $1,000 to $15,000, subject to an administrative fee.

Accidental Death Benefit Rider
This rider offers an additional payout equal to your policy’s face amount if death results from an accident. Available to individuals aged 40–45 at issue.

Children’s Term Insurance Rider
Covers children, grandchildren, or great-grandchildren between 30 days and 18 years of age. Offers $2,500 to $10,000 in coverage per child, and policies can convert to whole life between ages 22 and 25.

How Much Coverage Do You Need?

To determine the right amount of coverage, consider:

• Funeral, cremation, or memorial service expenses
• Monthly utility and living expenses your family may still face
• Food and grocery needs
• Outstanding medical bills or debt

Calculating these helps ensure your family has the support they need when you’re gone.

Applying for Final Expense Coverage with Extensive Family Life

Getting started is simple:

1. Get a Quote
   Request your personalized quote online or speak with one of our friendly agents.
2. Answer Basic Health Questions
   Skip the medical exam—just answer a brief questionnaire.
3. Choose a Coverage Amount
   Select the death benefit that fits your family’s expected financial needs.
4. Submit Your Application
   Once approved, your policy provides lasting peace of mind for you and financial protection for your loved ones.

With Extensive Family Life, final expense insurance is easy to apply for, affordable to maintain, and dependable when your family needs it most. Let us help you plan today for a more secure tomorrow.