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Final Expense Life Insurance: A Step You Must Take


No one likes to think about their own mortality. Unfortunately, death is just part of life. When the end does occur, there are certain expenses that your loved ones will be left with. Burial costs and funeral expenses aren’t cheap. With the average funeral costing around $7,000 and some costing $10,000 or more, your end-of-life expenses could put your family in a precarious situation. Instead of leaving them with this heavy financial burden, why not prepare for the inevitable? Your life insurance broker in California also provides final expense insurance.

What Is Final Expense Life Insurance?

Many people have prepared for the worst by purchasing a life insurance policy. These policies provide financial support to the beneficiaries of the policyholder should death occur unexpectedly. However, there are clauses and stipulations that could prevent family members from immediately having access to the life insurance money. Final expense life insurance is a policy separate from traditional life insurance. This specialized policy is only to be used for expenses associated with your death. The casket, hearse, headstone, embalming, and burial plot would all be covered under this plan. It’s a simple way to ensure that all the necessary expenses are paid for without having to dip into the pockets of your family members.

Why Is It Important?

Your family could be overwhelmed following your passing. On top of grieving, they now must make decisions regarding the service and burial. They’ll also have to pay for any arrangements that are made. Adding a financial burden on top of an emotional one shouldn’t be your final act. Instead, alleviate the stress of making your funeral arrangements by having a final expense life insurance policy already in place. This allows them to focus less on the cost of everything and focus more on what matters to them, creating a service that is memorable.


Now Is the Time

Many people hear about final expense life insurance and agree that it’s important. But, instead of acquiring a policy immediately, they decide to wait. Everyone assumes that they’ll have more time to make the necessary arrangements. Unfortunately, everyone will die someday and some pass much sooner than anticipated. It’s impossible to know when your time on earth will come to an end. Waiting until it’s too late could prove disastrous. Instead, take the time now to plan for your future. Review your final expense life insurance options and select a plan that’s right for you.

On top of acquiring this all-important policy, it may also be helpful to jot down some of your after-care wishes. These could include casket preference, whether or not you’d like to be cremated, and what you’d like your headstone to look like. By making these decisions now, you not only alleviate the financial burden, but you also make it easy for your family to plan for the services without having to dispute different opinions.

While it might seem strange, it’s never too early to begin planning. By choosing the right final expense insurance from your life insurance broker in California, you and your family will be ready for whatever life brings, both financially and emotionally. Contact California Brokerage Insurance Associates today to get started on your plan.