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What is Final Expense life insurance?

Life Insurance provides your loved ones with an income replacement if you are no longer around to provide for your family. When you’re a senior or retired and you don’t have dependents anymore, you might not need your normal life insurance. But, there is still one big cost associated you need to plan for: your final.

Funerals can be relatively expensive and can cost anywhere between $8,000 – $10,000 and that doesn’t include other end-of-life expenses such as your medicare bills. These can end up being left for your loved ones and cause financial stress.

That’s where American Select Health Final Expense insurance comes in. If you been thinking about getting life insurance and you’re looking for coverage that can cover the cost of your death, funeral arrangements, then our final expense insurance may be right for you.

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How much life insurance do I need?

When deciding which final expense life insurance policy is best for you, it’s important to discuss the needs of your family in the event of your passing with a licensed insurance professional. There are many factors that must be considered when choosing a policy that is both affordable and sufficiently equipped to sustain your family’s quality of life to ease the burden that accompany the loss of a loved one – especially a loved one who is serving as a head of household. It’s important not to overlook any details that might place unnecessary financial strain on your family. A licensed life insurance professional will work with you to determine how much coverage is necessary for you.

How it Works

Determining the correct life insurance policy for your family can feel like an overwhelming task – but it doesn’t have to be! Your licensed life insurance professional will walk you through a series of questions to assess the financial needs of your family to determine which plan is best for you. They’ll consider your current budget, status of health, the level of financial dependency your family has on you, your outstanding financial obligations, and the cost to sustain the quality of life your family is used to in order to customize both a policy and premium quote that is best suited to your needs.