Frequently Asked Questions

Below are quick answers to common questions about Final Expense (burial) coverage and Medicare. If you want help with your specific situation, book a no-pressure call.

Final Expense FAQs

Do I need a medical exam? In many cases, no. Simplified issue policies typically use a short health questionnaire instead of an exam.

What ages do you help? We commonly help adults ages 50–80 (eligibility varies by carrier and health).

How much coverage can I get? Coverage often ranges from $5,000 to $50,000, depending on your needs and eligibility.

How much coverage can I get? Coverage often ranges from $5,000 to $50,000, depending on your needs and eligibility.

How quickly can coverage start? Coverage can often start as soon as your application is approved. Timing depends on the carrier and your health history.

Will my monthly rate go up? It depends on the policy type. Many policies are designed with level premiums, but we’ll confirm details before you apply.

Is there a waiting period? Some policies may have a waiting period depending on health history and plan type. If that applies, we’ll explain it upfront.

Who receives the benefit? You choose the beneficiary—often a spouse, child, or trusted family member.

What if I’m on a fixed income? That’s very common. We’ll focus on options that fit your budget and help you find the best value.

What if I’m declined? If one company says no, that doesn’t mean all will. We can often look at other carriers or plan types.

Is final expense the same as burial insurance? Yes—final expense insurance is often called burial insurance.

How long does the call take? Most calls take 10–20 minutes, depending on your questions.

Medicare FAQs

When should I start planning? A good time is 3–6 months before your 65th birthday so you can enroll on schedule.

What are Parts A, B, C, and D? Part A (hospital), Part B (medical), Part C (Medicare Advantage), Part D (prescription coverage).

Do you offer every plan available? No. Plan availability varies by location and carrier. For all options, visit Medicare.gov or call 1-800-MEDICARE.

What if I’m still working at 65? It depends on your employer coverage and employer size. We can help you avoid common enrollment mistakes.

Can I change plans later? Yes, changes are allowed during specific enrollment periods depending on your situation.

How long does the call take? Most calls take 10–20 minutes, depending on your questions.