If you've ever lost a loved one, you know how pricey funerals can get. Fortunately, with offices in O'Fallon, IL, AffinityQuotes offers final expense insurance available throughout the U.S. You can count on us to help you find an affordable plan that covers all your funeral expenses.
There are three major plan types:
The Simplified Issue policy is a whole life final expense policy that covers you for your entire life and builds cash value that you can borrow from. It covers any type of death, and if you are approved for this plan, your coverage will protect you 100% from day one.
A Graded (or Modified) Plan is the middle option. You would be offered this plan if you said "yes" to any "graded" health questions. Graded plans provide partial coverage during the first 2 years of the policy.
A Guaranteed Issue (GI) plan is a policy that accepts any health conditions regardless of severity. You would only be offered this plan if you have major health issues. Most GI plans come with a one or two-year wait before the plan will pay out the benefit.
We follow a thorough process to ensure you find the ideal funeral insurance plan for you and your family. After asking you a few basic questions, you can count on us to:
- Get instant quotes from multiple companies in seconds
- Compare rates from top burial & final expense insurance providers
- Work on your behalf to secure the best available final expense policy
We Specialize in Placing Burial Insurance.
The most important thing to know is that burial insurance is a very specific type of life insurance.
The people who buy these policies do so to make sure their end-of-life expenses won't become a financial burden to their loved ones.
Burial insurance plans are set up without the need for a physical or medical exam and they work like this:
- The monthly premiums can never increase.
- The policy cannot expire at any age.
- The death benefit is guaranteed to never decrease.