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Final Expense Insurance
Final Expense Insurance, also referred to as Burial Insurance, is a whole life insurance policy that is designed to pay off the expenses families face upon the death of a loved one. This type of insurance ensures your loved ones aren't saddled with debts that can be financially troubling after you pass.
Final expenses include bills associated with medical expenses, funeral or memorial services, and the price of burial or cremation. The average funeral and burial in the United States today costs approximately $9,000, and that cost does not include end-of-life medical expenses. Protect your family from facing these expenses alone with an affordable Final Expense insurance policy.
As you go through life, your insurance needs change.
Symmetry Financial Group provides plans to keep you protected.
Why Do I Need
Final Expense Insurance?
Most of us will eventually need to pay for final expense insurance. If you don't have extra funds set aside in savings just for final expenses, your loved ones may struggle with coming up with the money needed to give you the service and burial they want after you have passed.
Leaving behind large debts can be crippling to family members. Final expense insurance enables families to properly grieve their loved ones without the burden of unplanned costs. Thankfully, final expense insurance is an affordable whole life insurance plan that offers a solution to these problems.
Why Do I Need
Universal Life Insurance?
The reasons for buying universal life insurance are almost as varied as the number of policies available for purchase.
For most people, providing a ready source of funding for grieving loved ones after death is an important consideration. When you die, will your loved ones be able to afford to pay your final expenses and debts and be able to maintain their current standard of living? If the answer is "no", it's time to explore various life insurance options to determine what makes the most sense for your situation.
How Does
Final Expense Insurance Work?
Final expense coverage is a life insurance policy that you purchase for a specific dollar amount ("face value"). You pay premiums periodically to keep the policy in force. If you die while the policy is still active, the insurance company pays the death benefit to the funeral home or individual(s) you named as the policy beneficiary(ies).
How Does
Universal Life Insurance?
Just like other forms of insurance, you'll need to apply for coverage and pay an initial premium. Once your policy is in-force, you'll need to make periodic premium payments to keep your life insurance benefits.
One of the best features of universal life insurance is the flexibility with your premium. You can pay higher premiums to add to your policy's cash value when you're able. Or, if you need to reduce the premium for a period of time, you can make adjustments to the policy to accommodate that.
Choose Symmetry For Final Expense Insurance
At Symmetry Financial Group, we understand that everyone has different needs for insurance coverage, including final expense coverage. That's why we don't offer "cookie cutter" solutions. We will work with you to learn more about your needs and goals for insurance protection. Then, we'll find solutions that meet those needs.
We don't push proprietary products on our clients - we are truly an independent organization, representing multiple insurance carriers. That means you can be confident that your insurance coverage is in your best interest, not ours.
Would You Like to
Request a Quote?
Please fill out the short form so we can provide you
with the policy options to best match your
coverage and financial needs.
Frequently Asked Questions
Q: What are the advantages of Final Expense Coverage?
There are many advantages to final expense insurance coverage. Some of the most popular advantages include the following:
• Permanent protection over a lifetime. Final expense coverage will
• stay in force, as long as you continue making premium payments
• as required under the policy.
• Premiums don't increase as you grow older. Your premiums are
• based on your age at the time you take out the policy, and remain
• steady for the life of the policy.
• Help protect loved ones from debts associated with the burial or
• funeral process. Final expense insurance coverage offers cash after
• you die that can be used to pay the cost of your funeral or
• memorial service, as well as the costs of cremation and/or burial.
• Tax-deferred cash value that builds over time. In addition to
• offering a fixed death benefit (the "face amount" of the policy),
• final expense insurance can also provide the option to accumulate
• cash value over time, inside the policy.
• Affordable premiums customized to fit their budget. Your policy,
• and the premiums you will pay, can be designed to fit your needs
• and available budget.
Q: Can I afford Final Expense Coverage?
Many clients are pleasantly surprised at how affordable purchasing final expense insurance coverage can be.
Because we don't offer "one-size-fits-all" solutions at Symmetry Financial Group, and because we have access to insurance products offered by dozens of insurance carriers, we can help you find a final expense policy that is designed to meet both your needs and your budget.
Q: Do I qualify for Final Expense Insurance?
Final expense insurance is a life insurance product, but many carriers offer simplified underwriting for final expense policies. This means you may not have to undergo a physical examination in order to qualify for coverage.
The best way to find out whether you qualify for a final expense policy is to contact Symmetry Financial Group to learn more.
Q: When should I buy Final Expense Insurance?
While we know that we are all going to need final expense coverage at some point, none of us can predict when we are going to need it.
Because the cost of life insurance products (including final expense insurance) is based on your age and health at the time you apply for coverage, it makes sense to purchase coverage sooner rather than later. Doing so will likely result in lower premium payments, and will give you and your loved ones valuable peace of mind knowing that your death will not create a financial burden.
When you buy final expense coverage through Symmetry Financial Group, you can protect your family from expenses associated with your death.
Would You Like to Request a Quote?
Please fill out the short form so we can provide you with the policy options
to best match your coverage and financial needs.
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CONTACT US
Chris Howard & Kristen Scott
Sphinx Life Solutions
Montgomery, TX
Phone:
Email: chris@sphinxlifesolutions.com
DEBT FREE LIFE
Learn more about Symmetry Financial Group’s Debt Free Life program, which
can help you get out of debt in nine
years or less without spending any additional money.
PRODUCTS
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Copyright © 2024 Symmetry Financial Group. All Rights Reserved. | Privacy | Site Map
“Quility” is a brand name used by the Quility family of companies. All insurance offers, solicitations, and recommendations made via this website are being made by Quility’s licensed affiliated insurance producers, Symmetry Financial Group, LLC (d/b/a Symmetry Insurance Services in California) and Chris Howard & Kristen Scott. No offers, solicitations or recommendations are being made via this website in any state where one of those named Quility licensees does not have a license. Please see our License Page for a list of all of Symmetry Financial Group, LLC’s (d/b/a Symmetry Insurance Services in California) and Stephen J. Brenes’s license numbers in each state.
CONTACT US
Chris Howard & Kristen Scott
Sphinx Life Solutions
Montgomery, TX
Phone: (360) 517-1446
Email: chris@sphinxlifesolutions.com
DEBT FREE LIFE
Learn more about Symmetry Financial Group’s Debt Free Life program, which
can help you get out of debt in nine
years or less without spending any additional money.
Chris Howard & Kristen Scott
Copyright © 2024 Symmetry Financial Group. All Rights Reserved. | Privacy | Site Map
“Quility” is a brand name used by the Quility family of companies. All insurance offers, solicitations, and recommendations made via this website are being made by Quility’s licensed affiliated insurance producers, Symmetry Financial Group, LLC (d/b/a Symmetry Insurance Services in California) and Chris Howard & Kristen Scott. No offers, solicitations or recommendations are being made via this website in License Page for a list of all of Symmetry Financial Group, LLC’s (d/b/a Symmetry Insurance Services in California) and Christopher Howard’s license numbers in each state.
No agent’s success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.
custom_values.agent_bio=
Welcome to Sphinx Life Solutions!
Chris Howard and Kristen Scott are a husband and wife team. They are passionate about helping others protect the people in their lives that matter the most.
As a Registered Nurse and former School Teacher, Kristen has always had a calling to help others. Chris is a successful Regional Manager in business who is experienced in consultation and helping others to comprehend complex processes. Having raised five children between them, together they understand how circumstances can evolve over the years. They have also both personally witnessed how life-changing events can occur unexpectedly, and how detrimental those unexpected events can be to a family without proper coverage in place.
"Our mission is to provide you with an incredible, personalized insurance experience - the best possible. We are both State licensed Insurance Brokers and contracted with over 40 A+ rated insurance carriers in multiple states. Chris is also an Advanced Market Specialist with additional training and experience with IUL’s and Annuities. This allows us to find the best carriers and policies possible that can be tailored to your needs. We are not here to merely sell you a policy and then never to be heard from again. We understand that lives are full of change, so with our frequent follow ups you will know you are not forgotten.
With all the different options and types of insurance to choose from, we realize it can seem like a riddle to make sense of it all. At Sphinx Life Solutions, we take the riddle out of your planning and walk you through the entire process.
That's our story. We look forward to hearing yours."
- Chris Howard & Kristen Scottcustom_values.agent_brokerage=Sphinx Life Solutions
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