FAQ

Q1: How does this work?
✅ Simply fill out the short form, and a licensed insurance agent will contact you with a free, no-obligation quote.Q2: Do I have to buy anything?
✅ No, getting a quote is 100% free and there’s no obligation to purchase.Q3:Does Safe Haven Quotes Sell Insurance?
✅ No, we are an independent lead generation service connecting consumers with licensed insurance providers. We do not sell insurance directly. Your information may be shared with licensed insurance agents who will contact you with quotes.

What Is Final Expense Insurance?

Final expense insurance is a type of life insurance policy designed specifically to cover the costs associated with a person's passing. These costs, often referred to as "end-of-life" expenses, can include funeral or cremation services, burial costs, outstanding medical bills, legal fees related to estate settlement, and other related expenses. Final expense policies are typically smaller in coverage amount than traditional life insurance policies and are often easier to qualify for, making them a common choice for individuals with health issues or those seeking to ensure their loved ones aren't burdened with these immediate financial obligations after their death. The payout from a final expense policy goes directly to the beneficiary, who can then use the funds to cover these final costs, relieving some of the financial stress during an already difficult time.

What Should I Know?

If you're looking into final expense insurance, one of the most important things you'll want to know is whether you can even get a policy, especially if you're concerned about your age or health. Many final expense policies offer what's called "guaranteed acceptance" or "simplified underwriting." Guaranteed acceptance means you're pretty much approved as long as you meet the basic age and residency requirements. Simplified underwriting means the health questions are less strict than with regular life insurance. This is really important because it opens up options for people who might not qualify for other types of coverage.Now, it's not quite as simple as it sounds. With guaranteed acceptance, there might be a waiting period before the full death benefit kicks in. And with simplified underwriting, your health might affect your premium or what kind of policy you can get. So, you really need to understand the details of these options. What are the requirements for guaranteed acceptance? What health conditions might affect your eligibility or cost under simplified underwriting? Knowing these things upfront will help you find the right policy that fits your needs and budget, regardless of your health situation.