Final Expense in The Golden State

Don’t leave your family in financial distress after you’re gone. Whole life insurance can be a solution, many find it challenging to secure a competitive rate on a term life policy.

Consider final expense insurance; it covers you even with health issues, providing a solution for your needs.

What Is Final Expense Insurance?

Having a final expense insurance policy ensures your loved ones receive a death benefit upon your passing. Unlike traditional life insurance, there’s no need for a medical exam; just answer a few medical questions to apply. It’s a simple way to provide for your family’s future.

Your answers to these questions assess the risk for the insurance company. They decide your coverage cost based on your answers. the insurance company decides how much they should charge for coverage. It is possible to be excluded from certain final expense plans if your answers lead the insurance company to believe that there is too much risk involved with covering you. 

What Are Guaranteed Issue Plans?

If a regular final expense plan isn’t an option, consider guaranteed issue final expense insurance in California. These plans accept all applicants, regardless of health history. However, they come at a higher cost due to the increased risk for the providers. It ensures coverage but at an elevated price.