Independent, not captive.
A captive agent generally represents one insurer. We are an independent agency, so we can discuss options from the insurance companies we work with. Available choices depend on your state and eligibility.
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Final Expense Life Insurance
Help protect your family from unexpected final expenses.
Learn how available final expense policies may help loved ones pay for funeral expenses and other costs. No pressure—just straightforward information.
What can final expense insurance help with?
Depending on the policy and how your beneficiary uses the benefit, the death benefit may help cover funeral services, burial or cremation costs, and remaining bills.
Final expense plans are often whole life insurance with relatively modest coverage amounts. Coverage, premiums, eligibility, waiting periods, and exclusions depend on the insurer and product.
Ask whether the policy has a waiting period or early-benefit limits.
Compare what is available based on age, state, and health history.
Understand the premium and payment schedule before applying.
Questions worth asking
A few questions can make things clearer.
You do not need to know the insurance terms. Start with what matters to you.
Do you have a waiting period?
If you already have life insurance, do you know when its full death benefit would be payable? An agent can help you review your current policy and explain any early-benefit limitations.
Do you know what a waiting period is?
Some policies limit what is paid for a natural death during an initial period of coverage. The length of that period and any amount payable depend on the policy. Ask your agent to explain the exact terms before you apply.
Are you receiving government benefits?
You may share this with your agent if you want to discuss coverage that fits your budget. It is optional. If you receive SSI or another benefit with asset limits, check the program's rules before buying a policy with cash value.
Rest Assured Legacy is an independent insurance agency, not a government agency. Insurance availability and eligibility vary.
Read Social Security's information about SSI and life insuranceRequesting information does not obligate you to buy. We will explain benefits, premiums and limitations so you can decide at your pace.
Independent guidance. Personal service.
More than one insurance company.
One agent you can call.
The insurer sets the premium.
Our quotes use the insurer's rates for the policy and applicant. Our agency does not set the insurer's price. Your quote depends on the product, coverage amount and underwriting.
Your own agent to call.
Keep your agent's direct number for policy questions. You can start with a person who knows your coverage instead of the insurer's general customer-service line. Your agent can help and coordinate with the insurer when needed.
Some claims and policy changes require the insurer's review or approval. A quote is not a guarantee of coverage or final premium.
Final expense questions, answered
Can someone with health conditions still apply?
Possibly. Available products have different underwriting rules. We can discuss options without promising approval.
Is final expense the same as a funeral plan?
No. Final expense is life insurance with a death benefit paid to a designated beneficiary subject to policy terms. A prepaid funeral arrangement is a different product.
Will my rate increase later?
Many whole life plans have fixed premiums, but features vary. An agent should verify the premium terms of the specific product.