subject: Final Expense Insurance – Who Can Get Final Expense Insurance? [print this page] Final Expense Insurance Who Can Get Final Expense Insurance?
You have heard about how final expense insurance can cover the costs of your funeral and how the money is paid out almost immediately. Now you want to know if you can get it. Final expense qualifications limit almost nobody from getting the insurance they desire. It is a very affordable option and many are turning to this insurance to make sure that their families have the money they need when they need it to plan and carry out a funeral. Just about everybody can get final expense insurance and it is a great way to continue caring for your family even after you have passed on.
The main reason that you might be nervous about final expense qualifications is that most life insurance applications require you to undergo medical testing. If you have poor health a medical exam may make you uneasy. The good news is that many final expense insurance companies do not conduct medical testing of any sort. They may ask you some medical questions about your general health, but no one will come to your house and take a blood sample or your blood pressure. Even if you have failed to get life insurance policies in the past because of poor health, that will probably not be an issue with final expense insurance.
Financial hardship should not be an issue either with final expense insurance. Because the policy is for a smaller amount, the premiums are quite a bit less as well.
Traditional life insurance policies may value well over $100,000. But final insurance can value as low as $5000. It is important to carefully consider all the expenses that may be a part of your funeral so you can get a policy that will cover all the costs. Policies can be purchased for up to $50,000. Final expense qualifications do not mean you have to have a liberal income. Even the restricted incomes of retirees are sufficient.
Now that you are ready to risk applying for a final expense insurance plan, the only other final expense qualifications are some knowledge. A final insurance policy will reflect the things that are important to you and how you want your funeral to be. Policies can cover far more than embalming, cremation, caskets, headstones, and funeral homes. They can also cover details that are unique to you like flowers, transportation; airfare for out of town loved ones, etc. Final expense insurance helps you plan your funeral long before you are gone.
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