Will we need a medical examination?

Usually not. Most final expense policies rely on health questions alone, and guaranteed acceptance options ask no health questions at all, although those policies generally include a waiting period before the full benefit is available.

How do we decide on the right benefit amount?

We consider the arrangements you envision, any other coverage or savings you already have and the premium that fits your budget. Our aim is to provide meaningful provision without asking more of your monthly income than is comfortable.

Can the benefit be used for expenses other than a funeral?

Yes. The benefit is paid to your beneficiaries, who may use it for funeral costs, remaining medical bills, travel for family members or any other need that arises.

Final Expense Insurance in NJ and NC

Final Expense

Coverage at a glance

Final expense insurance is a form of whole life insurance with a smaller benefit amount, intended to help with funeral and burial costs, outstanding medical bills and other final arrangements. Because it is permanent coverage, it remains in force for life as long as premiums are paid, and premiums generally stay level for the life of the policy.

The benefit is paid directly to the beneficiaries you name, who may use it in whatever way serves the family best. Many policies also build a modest cash value over time, and benefit amounts, underwriting and features vary by carrier and by state.

An advisor reviewing documents with an older couple at home

Who it is designed for

Final expense coverage is designed for older adults who would like to make thoughtful provision for their families without purchasing a large life insurance policy. It is often a good fit for people on a fixed income, people whose earlier coverage has ended, and people who simply want the reassurance of knowing that final arrangements are already provided for.

How the plan works

Many final expense policies use simplified underwriting, which means acceptance is based on a short set of health questions rather than a medical examination. For applicants with more significant health history, guaranteed acceptance policies are also available, and these typically include a waiting period before the full benefit applies.

We help you choose a benefit amount that reflects your wishes and fits comfortably within your monthly budget, compare carriers whose underwriting suits your health profile, and complete the application with you. Once your policy is in place, we remain available to your family to help them file a claim when the time comes.

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Speak with us about Final Expense

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Common questions

Final Expense, answered

Usually not. Most final expense policies rely on health questions alone, and guaranteed acceptance options ask no health questions at all, although those policies generally include a waiting period before the full benefit is available.

Prefer to talk it through? Call (973) 524-7188 and we will answer in person.