Unity Benefits Group
Final Expense Insurance FAQs
Can I get final expense life insurance over 80?
Yes, we provide several options for applicants over the age of 80. If a person’s health qualifies, we have products that will provide new coverage options for those up to the age of 89.
What's the ideal burial insurance for older adults?
The best insurance policy is the one that is in force when it is finally needed. Everyone has a unique story and personal goals that their insurance policy will achieve. Let us help you simplify the insurance market and find the best policy that meets your unique needs.
Are final expense and whole life the same thing?
Yes, Final expense is a name for smaller face amount permanent whole life insurance, also known as burial insurance.
Can I have more than one final expense insurance policy?
Yes. You are not limited to one final expense policy. However, Insurance carriers usually have a limit of $30,000-$45,000 of whole-life coverage that one applicant can purchase. Our advisors will help pair you with a benefit amount that meets your needs.
When does a final expense insurance policy expire?
Your final expense policy will never expire as long as all premium payments are current.
What should you look for when getting a burial insurance policy?
When buying a burial insurance policy:
- Estimate your final expenses.
- Compare quotes from different companies.
- Apply
How does burial insurance for seniors work?
When a covered individual dies, their coverage will pay the death benefit to the listed beneficiaries. The payout is meant to cover funeral and burial costs and is not restricted to such. Regular premiums have to be paid to maintain coverage.
Is there a specific payout limit in life insurance an 80-year-old can get?
Premiums usually go higher as you age. Payout limits are typically expensive and limited to seniors above 80.
Don’t Know Where To Start?
Learn the basics of how Final Expense coverage works:
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