Final Expense Insurance - North Carolina • South Carolina

Losing a loved one can be an overwhelming experience with decisions to be made regarding funeral plans. Final expense insurance, also known as burial expense insurance, covers the funeral costs of the departed, which saves family members from the stress of a large expense. There is no medical exam required for final expense insurance. Most applicants are qualified after answering a health questionnaire. The face value of a final expense policy is much smaller than traditional life insurance policies, which results in a lower, more affordable premium.

Sheally Insurance Group agents can help you obtain an affordable burial expense policy to provide thoughtful assistance for your family with this common need. Contact our agency to get a policy quote started.

What are the benefits of final expense insurance?

• It is designed to pay out immediately.
• Rates never increase, and benefits never decrease.
• Most people can easily qualify.
• It is a more affordable alternative to life insurance.

Additional Coverage Options to Consider

There are additional options for those looking for less coverage or those on a budget. Accidental death insurance, for example, only provides compensation if the policyholder’s death is due to an accident. This policy is typically cheaper than a whole or term life insurance policy. An accelerated death benefit provides advance cash compensation if the policyholder is diagnosed with a terminal illness. For policyholders that fall critically ill, disabled or injured, a waiver of premium rider is available, which allows the policyholder to waive premium payments on their life insurance policy. Some term life insurance policies also come with term conversion which allows you to switch a term life insurance policy to a whole or universal life insurance policy.

Life insurance doesn’t have to be complicated. Contact Sheally Insurance Group to discuss and obtain quotes for your best options.

Everyone’s needs are different, and the amount of life insurance you need depends in part on how many beneficiaries you have. On average, insurance professionals recommend that you carry anywhere between ten to fifteen times your income.

It's true! You can save money by bundling a life insurance policy with other coverages you need like a homeowners insurance or auto policy.