Final Expense Quote Forms
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Final Expense Information
Final Expense Insurance
Serving Sacramento, Auburn, Roseville, Rocklin, Placerville and Surrounding Areas in California
As you get older, you might not feel the need to still have life insurance. Your children might be grown, your house paid for and any other debts settled. Still, everyone needs to be prepared for the future, and one cost that you know your family might be left with after your death is your funeral bill. By leaving a quality final expense life insurance plan behind for their use, you’ll put their minds at ease.
At Conley & Conley Insurance Solutions, we’re committed to providing quality life insurance options to every resident of Auburn and the surrounding areas. Our customers trust us to help them make the best possible investments in their financial futures. With professionalism, empathy and commitment to detail, we will ensure you always get the policy solutions that are best for you.
Common Final Expense Insurance Questions
What is final expense life insurance?
As you get older, it often gets harder to qualify for traditional life insurance policies due to age, pre-existing conditions and other factors. Plus, many older Americans don’t feel the need for a full-fledged policy simply because they don’t have as many financial obligations anymore.
Final expense insurance will allow them the flexibility to still qualify for a life insurance policy that will be a support system for their loved ones. Though it is not as expansive as traditional life insurance, a final expense plan is still going to be available to help them settle expenses after your death.
What does final expense insurance cover?
Final expense insurance works just like traditional life insurance in most ways. Upon the insured party’s death, the policy will pay a death benefit to the designated beneficiary.
This money is primarily designed to be used for the deceased’s funeral costs and similar expenses related to the death (though the beneficiary has no obligation to put the money toward that cost). However, final expense coverage is not designed to offer the large financial settlement that a traditional term- or whole-life plan might.
There are several factors that make final expense insurance unique:
Generally, final expense insurance is offered only to individuals over the age of 50.
Some insurers institute maximum application ages (such as 75 or 80) after which an individual cannot apply for coverage.
Certain final expense policies offer cash value benefits, which the insured can draw on during their lifetime as a source of income.
How does final expense insurance work?
There are two primary types of final expense insurance:
Simplified Issue: Most traditional life insurance plans require medical exams from applicants, which is why seniors often find it hard to qualify for this coverage. However, a simplified issue final expense plan will only ask generalized health questions without subjecting the applicant to a full health exam, which increases most applicants’ chances of qualification.
Guaranteed Issue: Under guaranteed issue plans, there is no medical exam requirement. Therefore, individuals with high health risks should be able to enroll in this coverage. However, guaranteed issue plans generally offer lower death benefit options than simplified issue plans.
How much does final expense insurance cost?
Numerous factors will influence the cost of your final expense plan, and even if two people buy identical products, they might pay different prices for them.
Our commitment to every customer is to ensure that they get the perfect balance of benefits and cost value when buying final expense coverage. You can rely on us to walk with you through the enrollment process, and help you determine exactly which policy will be the best investment for your future.
Thank You For Your Interest In Conley & Conley Insurance Solutions
To begin your quote, use one of our quote forms above.
When you would like to talk to one of our insurance professionals, call our office at 888.802.0003.