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Insurance Michigan – Life Insurance
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Michigan Insurance – Final Expense
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Final expense insurance, also called burial or funeral insurance, is a life policy with a lower face value, generally $5,000 to $50,000. You can name any beneficiary, typically a spouse or child, who would submit the claim and receive the money upon your death. The beneficiary you choose would then use the money to carry out your wishes.
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The beneficiary legally could use the money any way that they want. Definitely, make sure you trust your beneficiary to do as you wish. If your policy benefit amount exceeds the cost of your funeral, the beneficiary keeps the difference. For example, if you have a final expense policy for $15,000 and your funeral services and burial expenses end up costing $12,000, your beneficiary would pay the bill and keep the extra $3,000.
“Final expense” insurance policies are low face value term or whole life policies.
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Final expense policies are either term life, which covers for a specified time then expires or whole life covering you for the rest of your life. They are most often simplified issue policies, meaning you are asked several medical questions but don’t have to take a medical exam or guaranteed issue and the policy is issued with no medical questions.
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If you have a serious health problem you may receive a policy with a graded death benefit, meaning the coverage amount increases over time. The beneficiaries of the policy don’t get the full face value if you were to die within the first few years of the policy.
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Keep in mind any life insurance policy can be used to pay for your funeral. You can buy any term or whole life policy and instruct your beneficiary to use a portion or all of the death benefit for your funeral. Keep in mind standard term and whole life policies are not offered in low face amounts like $5,000. That is why final expense policies can be handy if you need insurance money only to cover your funeral expenses.
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If you have other financial obligations, like a mortgage and any dependents who are counting on you to pay for college, you’re better off buying a standard term life or whole life policy in an amount that can cover a number of family needs, including final expenses.
Michigan Insurance – Final Expense quick quote by phone 989-553-0421
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