Plain-language answers about final expense, life insurance, and annuities. If your question isn't here, a licensed agent is happy to help.
Final expense insurance is a small whole life policy designed to cover end-of-life costs such as a funeral, burial or cremation, and final bills. The benefit is paid in cash to the beneficiary you choose.
Premiums depend on your age, gender, health, tobacco use, and coverage amount. With level whole life plans the premium is fixed and never increases. A licensed agent can give you an exact quote.
No. Most final expense plans require no medical exam. You answer a few simple health questions, and some plans ask none at all.
Final expense is a smaller whole life policy focused on end-of-life costs. Traditional life insurance can provide larger coverage to replace income or pay off a mortgage. Both pay a cash benefit to your beneficiary.
An annuity is a contract with an insurance company that can provide guaranteed income, often for life, in exchange for a lump sum or series of payments. It's commonly used for dependable retirement income.
Often, yes. There are plans designed for people with conditions such as diabetes or heart disease, including guaranteed-issue options that ask no health questions.
With a level whole life policy, your premium is locked in and does not increase, and the coverage does not expire as long as premiums are paid.
No. Late Game Financial is a licensed independent insurance brokerage. It is not affiliated with or endorsed by any government agency.
A licensed agent will walk you through your options in plain language, with no pressure and no obligation.
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