Final Expense Insurance in Chandler, AZ

What to know before you choose

Most final expense policies are whole life, so coverage lasts your lifetime as long as premiums are paid, premiums typically stay level, and the death benefit is paid to the person you name to use however they need. Coverage amounts are modest compared with other life insurance, which keeps premiums within reach for people on fixed incomes.

There are two main kinds of application. Simplified issue policies ask a short list of health questions with no medical exam; answer them favorably and you usually get full coverage from day one. Guaranteed issue policies ask no health questions at all, which helps people with serious conditions, but they usually have a waiting period, often the first two years, when death from illness pays back premiums plus interest instead of the full benefit. Viola tells you which kind you are likely to qualify for before you apply.

How much is enough? Start with what you want covered: the kind of service, burial or cremation, any medical bills, and anything you do not want your children to pay. Viola helps you put real numbers to that and avoid buying more coverage than you need on a fixed income.

She also explains what this coverage is not. It is not a prepaid funeral plan tied to one funeral home, so your family can use the money wherever they choose. And it is not the same as the mail-order policies advertised on television, where coverage can be smaller or waiting periods longer than people expect.

Once the policy is in force, she makes sure the people who will need it know it exists, who the company is, and how to file a claim. That last step is the one families most often miss, and she treats it as part of the job. All coverage is subject to underwriting and carrier approval.

How Viola helps

• Coverage amount sized to the funeral, final bills and debts you want handled
• Simplified issue and guaranteed issue explained, including waiting periods
• Level premiums and lifetime coverage on whole life designs
• An honest look at television and mail-order offers
• Beneficiaries named and family shown how to file a claim
• A friendly review whenever your situation changes

Who it fits

You are in your 50s, 60s, 70s or beyond, you want to spare your family the cost of a funeral and final bills, and you prefer a simple application with a modest, steady premium.