Frequently Asked Questions About Protecting Your Legacy
Here at Final Touch Legacy group we understand that you may have questions and we want you to know we are here to help.Â
What is Final Expense Life Insurance?
Final Expense Life Insurance is designed to help cover funeral costs, burial expenses, medical bills, and other end-of-life expenses so your loved ones aren't left with the financial burden.
How much coverage do I need?
Most families choose coverage based on anticipated funeral costs, final medical expenses, and any remaining debts. Coverage amounts commonly range from $5,000 to $50,000.
Can I get coverage if I have health issues?
Yes. Many plans are available for people with diabetes, heart conditions, COPD, cancer history, and other health concerns. Eligibility depends on the carrier and your specific situation.
Are my premiums locked in?
Final expense plans offer fixed premiums that never increase as long as premiums are paid on time.
How long does the application process take?
Most consultations take 15–30 minutes, and many applications can be completed over the phone.
Why work with Final Touch Legacy Group?
We aren't tied to one insurance company. We shop multiple carriers to help find coverage that fits your health, goals, and budget.
Is there any obligation to get a quote?
No. Our consultations and quotes are completely free, and there's no obligation to purchase a policy.
Can I afford life insurance on a fixed income?
Many clients are surprised by how affordable coverage can be. We work to find options that fit a variety of budgets.
Is there a waiting period?
Certain plans offer immediate coverage, while others may have a 2–3 year waiting period for non-accidental death benefits.
What if I've been declined before?
Being declined by one company doesn't mean you're uninsurable. We work with multiple carriers and may be able to find other options.
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