Final Expense in The Aloha State

Final expense insurance is incredibly important, especially for Hawaiians who do not qualify for traditional life insurance. These plans are much easier to qualify for than traditional life insurance, so it is definitely worth considering. If you are not sure what final expense insurance is, it may be helpful to learn more about it.

Understanding Final Expense Insurance

Final expense insurance is a type of insurance that is often called burial insurance or funeral insurance. As the names imply, this coverage is designed to provide policyholders with the assets they need to pay for end-of-life costs, like funerals and burials. A final expense plan works like any other life insurance plan; when the insured person dies, a death benefit is paid out. 

The death benefit goes to whoever has been selected as the beneficiary of the plan. The policyholder can choose anyone they like to be a beneficiary, they can even select multiple people. Though, it is sometimes helpful to have a final expense agent help with the process of choosing the right beneficiaries. This ensures that the death benefit is spent how you would like it to be spent. 

The Costs of Final Expenses in Hawaii

Hawaii is one of the most expensive states for end-of-life costs. Because this state is generally very expensive, end-of-life costs can range up to $27,000 according to BizJournals.com. This can be a significant burden if the costs fall onto one of your family members when you die. 

It makes more sense to mitigate some of the costs by paying between $30 and $70 a month for final expense insurance. With a plan in place, you can get some peace of mind in your final days.

Guaranteed Issue Final Expense

You must be thinking, what’s the catch? Well, there is a catch, but it actually works to your benefit. If you do not qualify for typical final expense plans, you can still get a guaranteed issue final expense policy. These policies accept all applicants, so there is no need to worry about being rejected.

Get Started in Hawaii

A final expense policy may be right for you if you do not have significant assets saved up. Get a free quote on coverage today by calling 800-548-3249.

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