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SpinDistribute.com Article Directory

The following article was published in our article directory on August 27, 2013.
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What Is Final Expense Insurance and Who Needs It

Article Category: Advice

Author Name: Jim Lee

Burial expense can amount anywhere around $6,000 or more. Just imagine how financially burdensome it is for a family to take care of such expense immediately after a loved one's passing. On top of the burial expenses, hospital bills, legal fees and outstanding debt also need to be resolved. For this reason and more, understanding what is final expense insurance worth beforehand is crucial.

Ask yourself, where does it leave your family when your time is over? Can you stand the thought of leaving them on their own with a hefty expense to deal with on top of their grief for your loss? If you are sincerely after the protection of your loved ones, you should absolutely consider investing in final expense insurance.

What is final expense insurance?

Final expense insurance is basically a policy that is used for the purpose of settling the end of life expenses. It includes funeral services and other related costs. It is usually availed of by seniors. But the truth is it is never too early to prepare for the inevitable. Rather than anticipating death, it is about planning and preparing responsibly.

The death benefit from this policy is fairly low. Depending on the policy you choose or the insurance company you go with, the amount can reach anywhere between $25,000 and $50,000. Nevertheless, this should be more than enough to help your family through the process of laying to rest.

How does it differ from burial insurance?

Both burial and final expense insurance policies can help ease your family's burden at the time of your passing. The only difference is that while burial insurance does not require medical exam, final expense insurance does. This means premium for a burial expense policy is higher. It is because the insurance company takes on higher chances on policy holders. On the other hand, because final expense insurance requires medical examination, the risk is lower for the company and so is the premium you have to pay for.

Considering the burial expenses that can reach $6,000 or more which your family will otherwise have to pay for, these insurance policies are rather quite affordable. What makes it even more favorable is that the premium does not increase. Your anticipated costs remain the same for obtaining the insurance.

Moreover, these policies are flexible. You can have as much or as little coverage as you want which shall depend on your individual needs. This way, you can really evaluate the plan and take only what you think you may need. For instance, you may opt to have the burial expenses covered alone or you can get coverage so hospital bills, legal expenses and debts may be settled as well at end of life. And this is important of you have any of these unsettled obligations.

What is final expense worth? It is worth your family's best interest. It is worth your peace of mind with the thought that matters are handled without causing further financial burden to your grieving loved ones. And that is something you can never put a price tag on.

Keywords: final expense, burial expense, what is final expense, burial insurance, what is burial expense

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