Protect Your Family With Final Expense Insurance!
Plan ahead with confidence and compassion.Ensure your loved ones are never left with unexpected expenses.
Peace of Mind for You. Protection for Them.
Ensure your loved ones are financially secure with coverage that handles final expenses insurance and funeral costs.
Tell us about your needs. We'll listen . then help you choose the right final expense coverage to protect your loved ones.
Final Expense Insurance provides affordable coverage to help pay for funeral costs, medical bills, and other end-of-life expenses. It ensures your loved ones aren’t burdened financially during a difficult time, offering peace of mind with simple application and quick benefits.
Smart, Affordable Life Insurance That Grows with You
Indexed Universal Life (IUL) Insurance gives you more than just lifelong protection — it offers the opportunity to grow cash value over time, based on market index performance. With flexible premiums, tax advantages, and the ability to access funds when you need them, IUL is a smart choice for those looking to protect their loved ones while building long-term financial security.
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Frequently Asked Question
How much does final expense insurance cost?
The cost varies based on your age, health, and coverage amount. Most people pay between $30 and $150 per month. For example, a 65-year-old in good health might pay $50/month for $10,000 in coverage. Request a personalized quote from Alara Benefits to see your exact rate
Can I get final expense insurance if I have diabetes or heart disease?
Yes. Final expense policies are specifically designed for people with health conditions. Many carriers offer guaranteed issue plans that don’t require medical exams or health questions. Even with serious conditions like cancer or COPD, you can still qualify.
How quickly does final expense insurance pay out?
Most insurance companies process claims within 24-48 hours once they receive the death certificate. This allows your family to access funds quickly to cover funeral costs and other immediate expenses.
What's the difference between final expense and burial insurance?
They’re the same thing. Final expense insurance is also called burial insurance, funeral insurance, or end-of-life insurance. All these terms refer to small whole life policies designed to cover funeral and burial costs.
Will my premium increase as I get older?
No. Final expense insurance offers level premiums, meaning your monthly payment stays the same for life. Once you lock in your rate, it never goes up — regardless of your age or health changes.
How much coverage do I need?
The average funeral costs $7,000-$12,000, but you should also consider outstanding medical bills, debts, and estate costs. Most people choose coverage between $10,000 and $25,000. Your Alara Benefits advisor can help you determine the right amount for your situation.
Can I cancel my policy if I change my mind?
Yes. Most final expense policies come with a 30-day free look period. If you’re not satisfied, you can cancel within that time and receive a full refund. After that, you can still cancel anytime, though you may not get your premiums back.
Who receives the payout when I die?
You choose your beneficiaries when you apply for coverage. This can be a spouse, children, other family members, or even a funeral home. Your beneficiaries will receive the death benefit tax-free and can use it however they see fit.
Your Protection. Our Priority.
We provide simple, reliable coverage solutions designed to protect what matters most.
The team at Alarabenefits made sure I got the right coverage for my needs. Super helpful and kind