Golden Protection:
"Plan for your Golden Years now, and thrive when seasons change"
Final Expenses
Known as Final Expense insurance, this whole life policy—often called burial or funeral insurance—delivers a fast, tax-free cash payout to your loved ones. With MCA 360 Life Solutions, your family can cover funeral costs, medical bills, debts, or any need quickly and easily. Any leftover funds? They keep it, ensuring your legacy provides security and flexibility when it matters most.
Who can purchase this kind of policy?
Who qualifies for a Final Expense Policy? Anyone without insurance or savings for final expenses—gastos finales—can benefit. Without it, families face a burden, paying out of pocket for these costs. At MCA 360 Life Solutions, our policy lifts that stress, ensuring your loved ones aren’t overwhelmed. No medical exam needed—just answer simple health questions to secure your family’s tranquilidad quickly!
Is it worth it?
Nothing beats 'peace of mind' knowing you have a plan in place. On average, a final expense policy costs $50 to $100 per month for a $10,000 face amount, although your price may vary. Prices depend on your exact age, gender, health status, tobacco use, and desired level of coverage. Is it worth it? Yes! It’s ideal for older adults in poorer health, easing financial burdens for loved ones and leaving a lasting legacy of peace. Planning ahead is always worth it when you’re no longer here.
What is the maximum age to get final expense insurance?
Coverage for final expenses—gastos finales—typically extends up to age 85, to open a policy, depending on the insurer. At MCA 360 Life Solutions, we simplify it for those under 85 with no medical exam, just health questions, sparing your family financial stress. Over 85? Options exist, though higher premiums reflect the risk. Planning now brings peace of mind, knowing your loved ones won’t struggle when you’re gone, ensuring a legacy of care when it counts.
Depending on how you respond to the health questions, you may qualify for one of three health ratings:
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Preferred: This is their cheapest option and has no waiting period. To qualify for the preferred rating, you must be able to say no to all health questions in the application.
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Standard: This option also has no waiting period, but it’s more expensive than the preferred plan. The standard rating will be offered if you have any health issue mentioned in questions 13-15 of the application health questions.
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Basic: This last option is the most costly and has a two-year waiting period. Death in the first two years would result in a refund of your money plus 10% interest. The basic plan will be offered if you have any health issues mentioned in questions 7-12 in the application.
Have Questions?
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Plan Right Today, ease the burden tomorrow #FORESTERS #PlanRight
Many companies offer Final Expense policies, but I prefer Foresters Financial for their amazing member benefits. Want to compare Final Expense options? Ask me—we’ll weigh the pros and cons with other providers. As your agent, I’m dedicated to finding your best fit. Call now for a free Final Expense consultation today!
You can get approved the same day!
Golden Years Protection
