Searching for 57 year old final expense premiums?
Well look no more because you found them!
You’ll see real quotes and more in this article.
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In the table below you will find the 57 year old funeral insurance prices.
Fortunately for you, premiums at this age are much lower than that depending on how much coverage you want.
Please make sure you take the following points into consideration as you view these quotes.
- There is no guarantee that you will be approved for these prices. They are real quotes, but everyone must apply and be accepted.
- If you happen to be female and live in Montana, you should ignore the female prices. Because of state laws, you will pay whatever rate men pay.
- Do you vape, chew, smoke a pipe or use some other form of tobacco that is not a cigarette? If so, there are carriers that will approve you for non tobacco pricing. Ask your Choice Mutual agent if this is possible for you.
- You can buy any amount of protection you want. You aren’t limited to just these face amounts.
- Regardless of what plan you apply for or how much coverage you buy, your final rate will never change ever. You could live to be 110 and your price would still be the same as it was when you started your policy.
GENDER & RATING $5,000 $10,000 $15,000 $20,000
Female No Waiting Period $16.63 $30.06 $43.48 $56.91
Female Tobacco & No Waiting Period $21.96 $40.72 $59.47 $78.23
Female Guaranteed Acceptance $20.30 $39.69 $59.08 $78.47
Male No Waiting Period $20.55 $37.91 $55.26 $72.61
Male Tobacco No Waiting Period $27.37 $51.53 $75.69 $99.86
Male Guaranteed Acceptance $25.25 $49.59 $73.93 $98.27
The most important thing to understand about burial insurance (also known as “final expense” or “funeral insurance”) is that it’s life insurance.
A final expense life insurance plan is merely a relaxed underwriting whole life insurance policy with small coverage amount options.
The primary reason people buy these plans is to ensure funeral and burial expenses are taken care of, so a financial burden is not left behind.
All whole life plans work as follows:
- Permanent coverage lasts a lifetime (can’t expire at any age).
- Prices are fixed for the life of the policy and can’t rise with age.
- Death benefits guaranteed to never decrease.
All life insurance (regardless of the type of plan) will one day result in a tax free cash payment to a beneficiary.
Technically the money can be used for anything. Honestly, your family could take the money and go have a great time in Las Vegas.
Obviously nobody does that, but you get our point. There are never any restrictions how the money is used.
If the proceeds of the policy exceeds your final expenses, the leftover money would get to stay with your family. The remaining money won’t automatically go the funeral home.
There are literally dozens of life insurance companies that sell final expense insurance.
It begs the question, how do you know which one is best for YOU?
Here’s how you do it.
To get the best final expense insurance policy, you must consult with a qualified independent insurance agency that specializes in final expense insurance agency.
That’s it. You find a good agency that is properly equipped and let them go the work for you.
Too easy? You probably wants some details.
Here’s why we make this recommendation…
First, you cannot buy coverage directly from the insurance companies. They all sell the burial insurance plans through agents.
If you called them and asked to sign up, they would simply refer you to a licensed agent.
Don’t believe us? Call any of them and ask. You’ll see we aren’t putting you on.
The one exception to this rule pertains to guaranteed acceptance policies. These are plans with no health questions.
Those kinds of policies are sold directly by insurance companies and by agents.
However, if you want immediate protection that has no waiting period, you can only get kind of coverage through an agent.
You have to find the right type of agent
So accept that you will be working with an agent. But it’s the kind of agent you work with that determines how good of a deal you’ll get.
In the world of insurance, there are “captive” agents and “independent” agents.
Captive agents can only represent one insurance company and no other. For example, State Farm is captive company.
If you consult with one of their agents, they can only offer you State Farm insurance.
Just the opposite, independent agents are free to represent multiple insurance companies (as many as they want).
Their role is to act as an advisor and match clients with whichever insurance company is best for their client.
It’s critically important you work with an independent agent.
And not just any independent agent. Look for one with the following qualities:
- Represents 10 or more insurance companies.
- Specializes in final expense insurance (not a jack of all trades).
- Has at least 1 year or more of experience with the final expense industry.
If you can an agent that fits that profile, just tell them about your budget, your health, and your goals.
They will sort through all the various final expense life insurance companies on the market to see which one will offer you the best rate.
Oh and remember, you’ll never have to pay an agent for their services. They bring clients to the insurance companies, so the insurance companies pay the agents.
It’s a win win all around 😎.
Choice Mutual Can Help
First, we do have all the qualities mentioned above.
We are independent and represent over 15 carriers. In addition, we only sell final expense insurance and have been doing so for many years.
Our agents are friendly and here to answer your questions and make expert recommendations.
All we do is burial insurance, so you can trust that you’re dealing with extremely knowledgeable agents that know this type of insurance inside and out.
Give us a call at 1-800-644-2926 and see just how good we are. We won’t let you down!