What it is
How final expense insurance works
Final expense insurance is whole life coverage in a smaller amount, built specifically to handle the costs that come at the end of life. The benefit is paid directly to the person you name, who can use it for whatever is needed.
- A permanent whole life policy that does not expire as you age
- Coverage sized for funeral, burial and final bills
- Fixed premiums that do not rise as you get older
- A benefit paid directly to your named beneficiary
- Many plans issue with no medical exam, just health questions
Because the coverage amount is smaller, the premium stays manageable on a fixed income, and Earl matches the amount to what you actually want handled rather than overselling a bigger policy.
How it works
How Earl sets up your coverage
Decide what to cover
Earl helps you put a real number on the funeral, burial and final costs you want handled, so the policy is the right size.
Match a plan to your health
He finds carriers whose health questions fit your situation, so you are not declined or overcharged.
Lock in a fixed premium
Whole life premiums do not rise with age, so the amount you start with is the amount you keep.
Name your beneficiary
The benefit goes straight to the person you name, so your family has cash on hand when they need it.
Questions
Final Expense questions
Do I need a medical exam for final expense insurance?
How much final expense coverage do I need?
Will my premium go up as I get older?
Set up final expense coverage with Earl Doucette
Earl sizes the policy to what you want covered and finds a premium that works on a fixed income, with no medical exam on many plans.