Best Final Expense Insurance explained in Arizona & Ohio
As covered on the main Life Insurance Basics page, there are some basic coverages that can be customized to meet your basic protection needs. The right coverage for you in Arizona or Ohio is unique – talk to us today at PJS Insurance Services or start a Free Final Expense Insurance quote and find out how to protect your family with the right final expense insurance.
"Final expense insurance is designed to provide your loved ones with cash to cover expenses associated with your burial, funeral and medical expenses."
Final Expense Insurance in Ohio and Arizona – The Final Step to Peace of Mind
Imagine a world without yourself in it. Would your family need help paying your funeral or other end-of-life expenses?
PJS Insurance Services knows that in Arizona and Ohio there are as many unique insurance needs as we have neighbors who live here! Talk with me about your final expense insurance needs, contact us today.
Guaranteed Whole life insurance also known as Final Expense life insurance...
is a type of permanent life insurance coverage designed to provide protection for your family by locking in benefits that can help pay for end-of-life expenses, as well as cash value that can be accessed in an emergency.
What you’ll receive:
Guaranteed acceptance for ages 45-85
Coverage amounts: $2,000 – $25,000
Benefits that are never reduced because of age or health
No medical exams or health questions to answer
Affordable rates that never increase
How Does Final Expense Life Insurance Work?
Final expense life insurance works like any other life insurance contract. When you die, your beneficiary receives the death benefit. They can use the money for any reason, including paying for your end-of-life costs and final expenses.
If you have specific needs or wishes for your death benefit, communicate them to your beneficiary, understanding that they can use the money any way they choose. Consider these final expense insurance qualities to help you decide if it’s the right fit.
Very few requirements
It’s easy to apply for final expense insurance and to qualify for coverage. Final expense life insurance doesn’t require a medical exam. Those who apply for guaranteed issue life insurance don’t have to answer medical questions or take an exam. You just have to meet the age criteria (if applicable), choose your coverage amount and apply.
Guaranteed death benefit
The death benefit amount is guaranteed to be paid upon death, as long as the policy premiums are paid. The beneficiary can use the death benefit for anything; it is up to them to decide how to use it.
Since it’s a whole life policy, final expense insurance builds cash value over time. It grows tax-deferred, and you can access it while still alive. You can borrow against it or use the cash value to pay premiums instead of paying them out-of-pocket. The insurer will deduct any outstanding loan balance from the death benefit upon death.
Premiums are locked in from the day the policy is approved. No matter how old you get, you’ll never pay more for your coverage as long as the policy stays in force. The policy may be paid in full once you reach a certain age (usually 100) depending, on the policy and insurance company,
The application process is fast and easy, and coverage is typically approved within a few days, and you may even get approval the same day. Coverage starts after the company approves the policy and receives the first payment.
Serving Mesa, Gilbert, Queen Creek and the state of Arizona. PJS Insurance Services should be your first and last stop when looking for AZ Final Expense insurance.
There is a difference. To find out how our Independent insurance agency can help you find the right Arizona Final Expense insurance coverage, please contact PJS Insurance Services. Give us a call today at (602) 750-0616.
Experience the difference. To find out how our Independent insurance agency can help you find the Best Final Expense insurance Toledo OH, please contact PJS Insurance Services. Give us a call today at (419) 318-9130.
Life Insurance in Arizona or Ohio-have more questions?
Feel free to go to the main Life Insurance Basics page for more information. There are a lot of different types of coverages for a lot of different types of households. Here to help with the lowest prices from the best companies.
Select your choice below for additional information and coverage options to customize your plan or send me your questions here.