Protection For Your Family At

A Price You Can Afford

Final Expense Insurance At The

Lowest Rates On The Market

We Represent Final Expense Companies You Can Trust



Gerber Logo
AIG Logo
Mutual Of Omaha Logo
Aetna Logo
Prosperity Logo
Liberty Bankers Logo
Senior Life logo
american amicable logo

How We Can Help You

Save

We compare prices from a collection of top final expense & burial insurance providers in the market to find you the lowest rate.

Expert

Our licensed agents are experts in finding you the best coverage for every situation.

Trust

We represent you, not the insurance companies. Use of our services are completely no cost to all clients.

Why Choose Final Expense Insurance?

Final expense insurance is simply put, a life insurance policy with a smaller death benefit. These policies can be purchased for coverage amounts ranging anywhere from $2,000 to $50,000.


In most cases people who purchase this type of coverage are seeking to ensure that the financial burden does not fall on their loved ones when they die.


This plan can be used to pay for funeral expenses and any other outstanding obligations that may be left behind.


What's great about this type of insurance is that compared to others, it is generally the easiest coverage for Seniors to get approved for due to its more lenient underwriting guidelines.


Some key features are there are NO medical exams, blood work, or urine samples. You can rest assured, there will be no doctor coming to your home to check your vitals.


Most importantly all final expense policies that we find our clients are true permanent, whole life insurance.

How Do These Policies Work?





  • These policies never expire. Once you're approved, it will remain in place for your entire life regardless of your age and any medical conditions you may get diagnosed with.


  • These policies are designed to guarantee that the "premium", or monthly payment, remains fixed. Therefore your price will never change, it's locked in forever!


  • The death benefit (coverage amount) paid out to your beneficiary is always guaranteed to be tax-free.

Benefit Options

Every final expense insurance company typically offers 3 different levels of coverage. This is referred to as "rate classification". Which level of coverage you qualify for is completely based on an individual's health.

Level

A level benefit plan (also known as "preferred") is offered to healthy individuals with mild health issues. So if the answers provided are "No" to all of the health questions on the application you will qualify for immediate, day one coverage with the best rates. 

Graded

A graded benefit plan is offered to individuals who have moderate health issues and when there is a "Yes" answer to specific health questions. This plan typically pays out a percentage or partial death benefit if death occurs during the first 2 years. However the full death benefit pays out if death occurs in the third year or beyond.

Modified

A modified plan is offered to those who have had some more recent major health issues, such as heart attack or cancer. As a result these plans normally pay a "return of premium plus interest" if the insured dies within the first 2 years. It is for those considered to be "highest risk", which in turn can be very expensive.

Guaranteed

A guaranteed issue plan is offered to individuals with more severe conditions such as cancer, dementia, kidney failure, and HIV/AIDS. These policies have no medical questions and cost more since acceptance is guaranteed. All guarantee issue plans have a two year waiting period before insured.

Term Life vs. Whole Life

If I were to ask you right now "do you plan on dying at 80 years old?", what would your answer be? For most of us it's a hard "No!" or "I would hope not!" But did you know that there are actually policies that exist like this today that are designed to end once you turn 80? This is the case with most term life insurance policies. Term life insurance is designed to eventually terminate. Your coverage will only be in force for a designated period of time that you choose, with that usually being 10, 15, 20, 25, or 30 years. At any rate the only way your family will receive a cash payout is if death occurs within the time period you selected.


So what does this look like for you once your coverage terminates? Well, the great news is – you're alive. But on the other hand the bad news is, you no longer have any life insurance! All of the money that you paid into the policy stays with the insurance company and you will have to reapply for life insurance. Keep in mind, the price you pay will be higher due to you being older and whether or not you're even offered coverage is solely based on both your age and health at the time of application! Since none of us can predict the future, this leaves you with a greater risk of being declined. In addition if you've been diagnosed with any medical conditions along the years the risk is consequently greater.


Whole life insurance, on the other hand, is a type of permanent policy that also has a savings component attached to it. It is exactly what it sounds like – life insurance that will last you your whole life. Your coverage is guaranteed to never expire or end, as long as you make your monthly payments. Your monthly payments and coverage amount is also designed to remain the same, regardless of your age and health in the years to come.


All final expense policies that we find our clients are always true, whole life insurance. Our final expense agents specialize in finding you the best coverage based on your needs as a result reducing the risk of not having protection in place for your family. The best plan to have is the one that's actually in place when you need it!


senior men

TIPS & TRICKS

Whole life policies also build "cash value" that you can borrow against while you're living. Talk to an agent today to learn more.

Final Expense Insurance Offers The Most Relaxed Underwriting

Final Expense insurance without a doubt offers the most lenient underwriting available. Specifically because of the more relaxed underwriting guidelines, conditions that would generally be an automatic decline with most insurance companies are actually covered. This is great because it allows Seniors with higher risk health conditions to still qualify for a life insurance policy. Listed below are some of the conditions that are covered (and many more):

Underwriting guidelines vary in each state and is also based on your current age.*

High Blood Pressure

Type 1 Diabetes

Type 2 Diabetes

Heart Attack (Over 1 Year Ago)

Stroke (Over 1 Year Ago)

Obesity

Asthma

Defibrillator or Pacemaker


Fibromyalgia

Hepatitis A, B, or C

Diabetic Neuropathy

Cancer (Over 2 Years Ago)

Seizures

Multiple Sclerosis

COPD, Emphysema, & Chronic Bronchitis

Depression

Speak with an agent today to complete a needs-analysis to see what level of coverage you qualify for.

How To Apply For Coverage

Final expense insurance is now easier than ever to apply for! Despite the fact that you need a licensed agent to apply, no agent from Regional Insurance Solutions will ever enter your home. All of our services are held over the phone for your convenience.

Our Application Process Is Simple:


  • An agent will have you answer a few health questions to determine your level of coverage. The insurance company will then conduct an electronic prescription history check to validate your answers and determine your eligibility in a matter of seconds.

  • Generally we advise all clients to allot at least 20 minutes to the entire application process and most will receive an immediate decision.
Three Ways To Apply

Below are the three application processes. Your agent will use one or the other depending on which insurance carrier is best for your current situation.

Email Signature

Your agent will collect your information and fill out the application for you. The insurance company will then email you the application and required forms for you to e-sign.

Voice Signature

You and your agent together will complete a telephone interview with the insurance company. Your voice recording will be used to "sign" your application and you will receive an immediate decision.

Paper Application

In rare cases, your agent will generate a paper application for to apply your signature and send back to us via mail. We then mail it to the carrier and you will receive an answer within 1-4 business days of receipt.

Happy Senior Couple Wearing Face Mask

Regional Insurance Solutions

Let Us Do The Work

At Regional Insurance Solutions we aim to make this process as easy as possible. Our expert agents are ready to assist you by doing all of the hard work for you! Unlike captive agents that only have one option to offer you, we represent many carriers, all to bring you the very best.

We aim to offer you peace of mind that money can't buy. As your trusted life insurance agency, our final expense agents will be there to help you every step of the way and promise to provide lifelong services even after your policy is in effect.


Get Fast, Hassle Free Quotes

For your convenience receive a quote without having to talk to an agent.

Regional Insurance Solutions does not underwrite any insurance that appears on this website. Quotes appearing on this website are non-binding. While we have done our best to ensure all rates shown are accurate, human error is a possibility. In the rare event we made a pricing mistake, the carrier’s rates will always supersede whatever rate appears on our website.