Final expense insurance offers affordable, fixed premiums that do not change over time.
The cash benefit from final expense insurance helps cover funeral and burial costs, medical needs or anything else that will help loved ones.
Simply answer a series of questions about your health we'll advise which plans you qualify for.
Your final expense insurance coverage remains in place as long as your premiums are paid up.
Our final expense insurance plans build cash value – a sum of money that can be used to borrow against or use it as a non-forfeiture benefit.
We offer flexible payment options or you can align your payment with your Social Security deposit.
(available for Level Plan only)
This rider pays up to 50% of the death benefit (less policy loan) if a physician provides written certification that the insured meets the definition for a qualifying event, which is a medical condition that results in a terminal illness with a life expectancy of less than 12 months. The minimum benefit is $1,000, and the maximum benefit is $15,000. An administrative fee not to exceed $200 will be taken from the benefit amount.
This rider pays 100% of the base policy’s face amount for accidental death for issue ages from 40 through 70.
This rider provides coverage for a child, stepchild, legally adopted child, grandchild, legally adopted grandchild, or great grandchild. This benefit is available from $2,500 up to a maximum of $10,000 per child, in $2,500 increments. Coverage amount selected will be the same for all covered children and may not exceed the face amount of the base policy. Issue ages begin at 30 days through less than 18 years old. Policy becomes convertible to a whole life policy between the ages of 22 to 25.
A handful of factors influence how much final expense life insurance you truly need. We recommend looking at your monthly expenses to help determine how much money you’d like to guarantee your beneficiaries. Here are a few different bills to factor in:
The cost of a funeral, burial, cremation or other ceremony
Utility bills like electricity, water and garbage
Food, including groceries and dining out
Luckily there are just a few simple steps involved to get a final expenses life insurance plan.
Request a quote or give us a call so we can walk you through all of your life insurance options.
While some insurance plans require a formal medical exam, final expense insurance usually only requires a brief health questionnaire.
This can be calculated by looking at your monthly household expenses, immediate needs and potential funeral expenses.
Then, when the time comes, your beneficiary can access the death benefit for final expenses.
If you find yourself in a situation where you want to provide better financial support for your loved ones, but the cost of a traditional whole life insurance policy is a little too high, final expense insurance may be the right choice for you. Experience the relief that comes with knowing your family can be cared for with Aflac’s Final Expense Whole Life Insurance and celebrate every moment left together.Get a Quote