Why Final Expense is Important:
Guaranteed Death Benefit and Premiums
The payout to your beneficiary is guaranteed, and your monthly payments will never increase.
No Cancellations Due to Age or Health
Your coverage remains active as long as premiums are paid.
Simplified Issue and Immediate Cash Benefits
Most policies do not require a medical exam, with approval often based on a few health questions, and benefits are paid directly to your designated beneficiary.
Builds Cash and Loan Value & Accelerated Benefits
Some final expense policies may build cash value over time, which you can borrow against if needed. Many also include optional riders that provide early access to benefits in the event of a terminal illness, offering added peace of mind during difficult times.
Final Expense Insurance Carriers
Manage your final expense policies and benefits.
Understanding Final Expense vs. Other Policy Types
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Term Life Insurance
These policies are temporary and expire after a set period (e.g., at age 80). Their prices can also increase over time. Final Expense, by contrast, offers permanent coverage.
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Guaranteed Acceptance Coverage
While these policies don't ask health questions, they often come with a two-year waiting period before natural-death coverage begins. Many Final Expense policies offered through CareBridge Health provide 100% coverage from day one for both natural and accidental death.
Our Final Expense Mission
At CareBridge Insurance Agency, our mission is simple:
To help families plan ahead with compassion, clarity, and confidence.