Personal insurance > Final Expense Insurance

What is final expense insurance? 

Final expense insurance, which is also referred to as burial insurance, helps cover end-of-life expenses, including funeral arrangements and medical or legal expenses that may need to be settled by your beneficiary on your behalf. 
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NationOne Insurance
37 Gerardine Place
New City, NY 10956

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Why Final Expense Insurance is Important?

Key Takeaways

No medical exam

Most insurance policies will require a medical exam. A final expense insurance policy will not You will most likely be able to get some form of coverage regardless of your health or preexisting conditions.

Lower premiums

Finale expense life insurance policies generally have lower premiums compared to other types of insurance policies. You can have lower premiums and pick coverages from $5,000-$40,000.

Payment flexibility

You can decide to pay premiums on a monthly basis or annually. Also, we can setup a date that’s convenient for you, especially if you are on a fixed income. 

Quick approvals

The application process is generally straight-forward. At times, you can have coverage immediately. At times, coverage may take days to be in force.

Lifetime Coverage

Your policy will last for a lifetime and will never expire as long as your premiums are paid.

Build cash value

Since final expense is a type of whole life insurance, It does build cash value. Once your cash value is high enough, you can withdraw cash from it and use it to borrow money from or to pay premiums. 

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Securing Your Future with Final Expense Insurance

What does final expense insurance cover?

Final expense insurance was created to help older adults cover end-of-life expenses, like funeral expenses. 

Funeral Home Ceremony Fees

Additional funeral home costs such as memorial package, viewing, and service

Transportation cost for the funeral. To and from the ceremony if you chose to have a burial.

Burial expense for the funeral if you chose a burial. Expense for a plot, grave marker, and casket.

Cost associated with embalming if you chose to have an open casket

Cost associated with cremations and transportation of your body and cremation casket and urn.

Fees for officiating your service and final touches for your final send-off for music and flowers

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With your final expense plan, the proceeds can be used for many things. Your loved one can use it however it may need to be used. Your loved ones may use it to cover other costs, like:
Medical bills or other end-of-life expenses

The cost of healthcare has gone up exponentially. For many seniors, they may find themselves in debt or struggle to pay for bills. Pay for things like prescription drugs, inpatient facilities, and nursing care.

Credit card, auto loan, and other debts. 

With inflation at a record high. The cost of living is not going anywhere but up. Many people find themselves self-dipping into savings and funds to help with the cost of living. They even find themselves accumulating debt just to keep themselves afloat. The death benefit of your final expense policy prevents your loved ones from dealing with the burden of the debt you left behind.

Leaving something back for your family

You may die and leave a spouse behind. They might struggle financially without your financial help and your contributions. A payout can help them with living costs so they can continue their lively lives. If your spouse is not around, you can leave an inheritance for your grandkids with your passing. Protecting the future and your legacy

Why Choose NationOne?

NationOne: How does final expense insurance work?

Final expenses can protect you and your family tomorrow from the debt you left behind and also give you a proper send-off. Having coverage will put everyone’s mind at ease knowing you planned ahead and did right by yourself and your family.
Coverage amount that you will need 0

Each individual's needs are treated differently, and we understand everyone’s needs may be different. Speaking to one of our agents, we can discuss your needs and what’s most important for you to make sure you are adequately covered.

Protect your family and loved ones 0

When you pass away, your family will receive tax-free cash. They can use this cash for whatever they need to.

Pay your premiums 0

Once coverage is in force, making monthly or annual payments will keep your policy active. If you fail to make payment and your policy lapses, it may not be there for when your family needs the money. We offer fixed payment premiums, which can help budget if you are on a fixed income

Apply for coverage 0

Depending on the policy time and coverages, you may need to answer a few health questions. Coverage approvals are usually quick, with same-day coverages at times

Choose Beneficiary 0

A part of having an insurance policy is having a beneficiary. Picking someone who’s responsible and can allocate the funds to your wishes. Your beneficiary can be a partner, child, close friend, or even a funeral home. 

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