Frequently asked questions
Clear answers for a thoughtful decision.
Start here, then bring any remaining questions to a licensed insurance professional.
Is final expense insurance the same as burial insurance?
The terms are often used interchangeably. Both generally refer to smaller life insurance policies intended to help with end-of-life costs.
Do I need a medical exam?
Many products do not require an exam, but applications may include health questions. Requirements vary.
When does coverage begin?
Some policies may offer immediate full benefits, while others have graded benefits or waiting periods. The policy terms control.
Can a beneficiary use the money for something else?
Life insurance benefits are generally paid directly to the beneficiary, who usually determines how to use them.
How much coverage is available?
Coverage ranges vary by insurer, product, age, and eligibility. An advisor can explain available options.
Will my premium change?
Many whole life policies have level premiums, but you should confirm the guarantee in the policy documents.
Can I cancel?
Policies typically include a free-look period and may be canceled later, but rules and possible value vary. Review the contract.
Is this connected to Medicare or Social Security?
No. Final Expense Advisors is not a government agency and final expense insurance is separate from Medicare and Social Security.
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