Applying for final expense insurance is simple and straightforward. Here's a step-by-step guide to what you can expect.
Step 1: Request a Quote
Start by requesting a free quote online or calling (888) 519-9743. A licensed agent will discuss your needs and provide personalized rate quotes from multiple carriers.
Step 2: Choose Your Coverage
Decide on your coverage amount based on:
- Expected funeral costs ($7,000-$15,000 for most families)
- Any outstanding debts
- Additional funds for your beneficiary
Most people choose between $10,000 and $25,000 in coverage.
Step 3: Complete the Application
The application takes about 10-15 minutes and can be done over the phone. You'll provide:
- Basic information (name, date of birth, address)
- Beneficiary information
- Health questions (for simplified issue policies)
- Payment information
Step 4: Underwriting Review
The insurance company reviews your application. For most final expense policies, this is quick because there's no medical exam. Many applications are approved the same day.
Step 5: Approval and Policy Delivery
Once approved, you'll receive your policy documents. Your coverage begins immediately (or after the first premium payment for some policies).
What You DON'T Need
- No medical exam
- No blood tests or lab work
- No doctor's records (for guaranteed issue)
- No waiting weeks for approval
Tips for a Smooth Application
- Be honest on health questions—claims can be denied for misrepresentation
- Have your medications list ready
- Know your beneficiary's information
- Have a payment method available
Ready to get started? Request your free quote today.
Frequently Asked Questions
How long does final expense insurance approval take?
Most final expense insurance applications are approved the same day. Since there's no medical exam required, the process is quick—typically 10-15 minutes for the application and instant to 24-hour approval.
What documents do I need to apply for final expense insurance?
You don't need many documents. Just have your ID, beneficiary information, a list of current medications (for simplified issue), and a payment method. No medical records or test results are required.
Ready to Get Your Free Quote?
Let our licensed agents help you find the perfect coverage for your needs.
