人壽保險的最終費用是多少？
人壽保險的最終費用是多少？
 Final expense is a common term that simply refers to life insurance people buy to cover their burial expenses and other small final debts. These are whole life insurance policies that are typically $25,000 or less in the policy's face amount of coverage. There are no medical exams for them. The responses to the yes/no health questions, a prescription check, and a phone interview with the carrier (required by most companies, but not all) are the primary underwriting criteria that the carriers look at. If you're someone who cannot buy a final expense policy due to your health conditions, you always have the option to buy a guaranteed issue whole life policy - these are another type of final expense policies as they feature a maximum $25,000 face amount, except they feature a 2-yr graded period (if death occurs in the first 2 years of the policy, the carrier returns the premiums paid instead of paying out the death benefit, unless death occurs by accidental means). The advantage with these are that they do not ask a single health question. In short, it's pick and choose. Please feel free to contact me for help or if you have any other questions. Thanks very much.
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