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Navigating important family matters can be done affordably from the comfort of your home.
For 30 years this has been our trusted role.
Today, we continue to serve families with the utmost care, during times when it is needed most.
We offer all service options
Traditional Burial | Cremation | Memorial
In-Home
Arrangements
Your comfort is our top priority, which is why our in-home
and online arrangements
are an integral part of the Alternatives experience.
Green
Options
Alternatives is 100%
Bullfrog Powered, and 3 Leaf Green Certified with
Sustainable death care services options.
Traditional & Custom Memorial Services
Fully customizable service options whether you are looking for a traditional graveside service, simple cremation or a unique Alternatives Event.
What is final expense life insurance?
Final expense is a smaller permanent life insurance policy typically intended to help older adults cover funeral costs and other end-of-life expenses.
Also sometimes called “funeral insurance” or “burial insurance,” final expense life insurance typically provides a guaranteed payout to help loved ones pay for a funeral service, burial or cremation, doctor or hospital bills, or other immediate expenses after a death. Like other types of permanent insurance, final expense insurance will never expire as long as you keep up with your premiums.
Since coverage amounts are lower than other types of life insurance, like term or permanent insurance, the premiums for a final expense policy tend to be affordable. Coverage amounts can range from a few thousand dollars up to $35,000, in some cases.
Final expense insurance is easy to qualify for, with no medical exam required. As long as you fall between the age limits of 50 to 85 years old, you can often get approved for a policy within days.
Help ease the financial burden
- A funeral is the third largest family expense
- On average, a funeral can cost $10,000 or more.
- Social Security benefits pay only $255 to qualified dependents.
- The majority of U. S. health care costs rise in the final phase of life, when living with eventually fatal chronic illnesses which have the most intense costs associated with the treatments.
Benefits of final expense insurance
Ability to build cash value:
Like other kinds of permanent insurance, final expense insurance builds cash value over time. You can borrow from that cash value during your lifetime or use it as collateral for a loan, giving you another way to pay for expenses as needed.
Flexible use of death benefit:
Your family has the flexibility to use the death benefit to pay for burial or funeral costs, medical bills, credit card debt, or anything they choose.
Level premiums and guaranteed coverage:
Final expense insurance offers guaranteed protection and level premiums, backed.
Fast
coverage:
Our fast, hassle-free purchase experience may allow coverage starting right away thanks.