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Final expenses can add up fast, so making sure your loved ones don’t have to pay out-of-pocket costs for things like your funeral is important. Final expense life insurance builds cash value over time with a fixed premium and permanent coverage, providing assurance for years to come. HealthMarkets can help you find a plan to give you and your family greater peace of mind.

Final Expenses Add Up

If you’ve already started planning your funeral, you probably know how costly final expenses can be. A funeral service is only the beginning — purchasing a casket, headstone, cemetery plot and funeral procession can be expensive. The average cost of a funeral and vault alone was more than $8,000 in 2012.

Pre-planning and prepaying help to alleviate some of the burden on your family. Many funeral homes will allow you to do both to solidify your plans before your death.

How Insurance Can Help

Final expense insurance is a life insurance policy bought directly from an insurance provider. It’s designed to cover funeral expenses and other outstanding debt left behind. 

Like any life insurance policy, you pick a beneficiary and that person receives the money from the policy when you die. Also note that if your final expenses end up being less than the amount of your policy, the beneficiary keeps the rest of the money. Of course, the policy may not cover all of your expenses.

A standard life insurance policy can be used to pay for funeral costs. But final expense insurance can be bought in much lower amounts than a typical life insurance policy. It also doesn’t require a physical exam when you apply. These features make these policies an attractive option if you want a plan that covers final expenses exclusively.

Contact HealthMarkets Today

For help determining which final expense life insurance plan is right for you, HealthMarkets offers services at no extra cost to the customer. We can help you examine many different policies, weigh the pros and cons, and find one that fits your needs and budget.

Call a local, licensed agent at (855) 868-0682 or get a quote today to begin saving for tomorrow and beyond.



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