Purchasing final expense life insurance does not require you to undergo a medical exam. That does not mean, however, that the state of your health is irrelevant to the premium rates you pay for coverage. As part of the application process–which takes anywhere between 15-30 minutes, depending on the insurance carrier and type of coverage you are applying for–the insurance carrier will pull your health and prescription information from the Medical Information Bureau, or a similar organization, or will request that you sign a release so that the carrier can obtain your medical records from your primary care physician. This happens only occasionally and only if you are applying for level or immediate coverage.

Obtaining a quote for final expense life insurance is part art, part science, which is where the knowledge and experience of a Senior Benefits Advisor comes in handy. Premium rates are largely dependent on your gender, age, overall state of health and tobacco use. Complete the submission form and we will call you to obtain some additional information and provide you with a no obligation quote.