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Final Expense Insurance

Over the past decade, funeral costs in Canada have surged by nearly 80%, with the average funeral expenses ranging from $3,500 to $18,000. The price of a casket alone now varies between $1,200 and $6,000, making funerals not only emotionally challenging but also financially burdensome. Final Expense Insurance offers a solution, providing a final act of kindness by alleviating the financial strain on your loved ones. At Life Insurance Pro, we recognize the complexities of making financial decisions during times of grief, which is why we offer comprehensive plans tailored to cover your funeral expenses.

While your life insurance policy may include burial coverage, this isn't always the case. Additionally, employer-sponsored insurance might not cover the entire cost of a funeral. It's advisable to confirm whether your employer offers such coverage as part of their benefits package.

Final Expense Insurance policies typically cover various expenses, including those of the funeral director, such as burial fees, transportation, embalming, and musical arrangements. These policies usually have minimal eligibility requirements, often only specifying an age range of 40 to 80 years old, making them widely accessible.

Furthermore, Final Expense Insurance operates as a cash-value policy, meaning your premium payments accrue value over time without increasing monthly fees. Your beneficiaries can also utilize a portion of the benefits to settle estate taxes and outstanding debts, easing any financial strains they may face.

Providing financial relief to your family during their time of mourning can be a profound gesture of love and consideration. Life Insurance Pro offers top-notch Final Expense Insurance options tailored to your needs. Contact us today for a free quote and discover how we can help ensure your final gift is a lasting one.

Our Reviews

Excellent4.8 Based on 465 reviews from ★★★★★ Sehar Bajwa was the agent with whom I spoke. She was very helpful and efficient. I was also quoted Travel Cancellation and Interruption Insurance by two other agents at different companies. I went with Sehar because she provided me with the most thorough information and an excellent rate.estolteestolte ★★★★★ Wow what a great experience these guys are so knowledgeable.steve Rsteve R ★★★★★ I recently had the pleasure of working with Dornaz at Allianz global assistance who helped me secure health and dental insurance, and I couldn't be more satisfied with the experience. From the moment we started the conversation, she was incredibly knowledgeable and attentive to my needs. She took the time to explain all my options clearly, ensuring I understood the details of each plan.What stood out the most was Dornaz’s patience and willingness to answer all my questions, no matter how small. She made the entire process smooth and stress-free, guiding me through all the process and making sure I felt comfortable with my decision. Thanks to her expertise, I feel confident that I chose the best health insurance plan for my needs. I highly recommend Allianz Global assistance services to anyone looking for reliable and friendly assistance in navigating health and dental insurance options! From my experience, Allianz Global assistance is the best insurance company outta here!ParfianoParfiano ★★★★★ Agent was very pleasant and efficient in providing an immediate quoteTom SmithTom Smith ★★★★★ I was researching for a travel emergency medical plan for seniors. Allianz was on my list but I hadn't made contact as yet. I received a call back from Ummi Hanny of Alliance as a result of one of my queries and I'm delighted with the result. She listened and guided me through the process with great skill, knowledge and understanding. She forwarded a quote and afforded me time to consider the offer over the weekend and we would reconnect early the next week. This also gave me time to continue my research with a better understanding. which I much appreciated.We spoke on Tuesday and concluded the signing of the coverage offered through Alliance. It was the best plan for me, coverage wise, duration and financially. The fact that Alliance is a European based company is a plus as that is where I'm traveling as well as non U.S, based.Ummi's engaging style lead to these discoveries for me. She was attentive, knowledgeable, personable and genuine. She represents her organization extremely well and I would not hesitate to recommend Alliance and/or engage your service in the future.SincerelyJohn S. MacDonaldJohn MacDonaldJohn MacDonald ★★★★★ Sehar Bajwa was very efficient, professional and knowledgeable. I was extremely pleased with her prompt service and pleasant personality.Eva Young powEva Young pow ★★★★★ Your customer service caller was so helpful. I felt confident going ahead and signing up for health insurance for my upcoming trip. Thank you for your patience and friendliness during the call. I feel better about spending a few days in the United States knowing I have health coverage.Beth FosterBeth Foster ★★★★★ I went online for a quote. Then Sehar called me with a quote.Sehar was wonderful. So professional and easy to understand.It was a delight speaking to her. Also the price was the best.Evelyn DicksonEvelyn Dickson ★★★★★ Artemiz Namazi was very professional, patient, and friendly while helping me purchase medical insurance for myself, my husband, and my son.krystyna Harasymowiczkrystyna Harasymowicz ★★★★★ I had a wonderful experience with this company! Ummi was incredibly helpful, professional, and kind throughout the entire process. She made everything so easy and stress-free. I truly appreciated her support and would highly recommend her to anyone. Thank you, Ummi!Miriam AssoulineMiriam Assouline ★★★★★ Recently purchased Trip Cancellation /Interruption Insurance from them. Say their advertisement on Facebook. The company was easy to deal with and provided information to make an informed decision. Despite not be able to deal with my initial contact person, Artmiz was very attentive, helpful and thorough. The rating given was earnedFern MichelFern Michel ★★★★★ Shana and George at Alliance were amazing to work with. They were very friendly and prompt in all transactions.Joe KilfordJoe Kilford ★★★★★ Sehar Bajwa she is very good helpful. Travel insurance very good purchas price .Theepan MoorthyTheepan Moorthy ★★★★★ As seniors in our + 70s we know travel medical insurance can be costly without taking out a mortgage. Fortunately our health is better than most our age or even some younger and understand Insurance Underwriters and Acturaries go by statistics. The agent we talked to Karen Write was absolutely patient and helpful. We were pleasantly surprised by the quote she gave, as the quote we had from another carrier was about 3 times more. Naturally we went with Karen Write at Alliance. We can't thank her enough for being so patient, undestanding and helpful. If in the future we are fortunate, health wise, to continue to travel we will definitely call Karen Wright at Alliance. CUDOS to Karen WrightRobert GrillsRobert Grills ★★★★★ Clear Communication and assurance of serviceEdwin DrewloEdwin Drewlo ★★★★☆ i was very impressed with sehar prompt response and helped me through with me getting what i neededNadir HabibNadir Habib ★★★★★ Sehar Bajwa was very competent and helpful. I have dealt with her for 3 years and I always get the same quality service when purchasing travel insurance from her.Judy HowardJudy Howard ★★★★★ I have just worked with Dornaz Samiei in purchasing trip insurance, and she was informed, efficient and friendly. I couldn't ask for more. Thanks.Danny SwainDanny Swain ★★★★★ Sehar Bajwa was extremely helpful while we were searching for travel insurance for our upcoming trip. Sehar provided all necessary information and setting up the required insurance was very easy and well-pricedKelly LePageKelly LePage ★★★★★ Geting tarvel insurance,all process to finalaize our insurance documents was pleasent because friendly (not puschy)and very profesional lady Sehar Bajwa thank you SEHARI R bI R b ★★★★★ Simply an Amazing Individual. The Reason I buy my Insurane from.Allianz!!!!Thank You Dornaz!Len HirschLen Hirsch ★★★★★ Dornaz was very helpful and responsive to my requests which I really appreciate!Susan MaddenSusan Madden ★★★★★ Thank you Dornaz Samiei for the above service you gave me today. You have so much knowledge and patience.Susan WhiteSusan White ★★★★☆ Great help by Alliance Sehar was a great help.anne johnsonanne johnson ★★★★★ Dealing with Dornaz was such a pleasure. Great customer service!Maida KellgrenMaida Kellgren ★★★★★ Azita was very helpful and patient with me as I was trying to make my travel insurance choice. She called me back about 3 times and when I was finally ready, she was away and Dornaz was equally helpful in completing my application. I would recommend this company!Donna HemmingDonna Hemming ★★★★☆ Very helpful and friendly people to deal with. Dornaz answered all my questions and helped me with my travel insurance. I would highly recommend this company.Dawna ShaneDawna Shane ★★★★★ I am very pleased with the service I received from Alliance. Dormaz was my contact. She was very friendly and easy to talk to. She answered all my questions with kindness, patience, and respect. She found me a policy which offered the coverage I wanted at a better price than I had been able to find on my own.Tina RhodesTina Rhodes ★★★★★ Very friendly and easy to talk with. Dornaz explained things clearly and allowed me to ask any questions.Robert HamiltonRobert Hamilton ★★★★★ Very friendly and efficient service!Frances HeywoodFrances Heywood ★★★★★ Spent time searching for best options for my needsmarg marlinmarg marlin ★★★★★ Dornaz was extremely helpful to get the right travel insurance for us. She was very friendly and knowledgeable.Barbara HanserBarbara Hanser ★★★★★ Ummi. Excellent representative. Very pleased.Darla SwardDarla Sward ★★★★★ Dornaz was very friendly and professional providing me with travel cancellation/interruption insurance.Gail CampbellGail Campbell ★★★★★ I’m so happy in dealing with Ummi Hanny , she’s absolutely a star, she really helped me finding the right insurance for me.hanne sajdahanne sajda ★★★★★ Great travel insurance Dornaz was very professional.Denise Morgan-FellDenise Morgan-Fell ★★★★★ Very pleasant, efficient and helpfulA. Ron AlgateA. Ron Algate ★★★★☆ Very easy to set up policy on a ti.ely manner.Brent ClaytonBrent Clayton ★★★★☆ The cost quoted was definately comparable to other carriers. My only complaint is that you can never call and get a direct quote. You always have to leave a message and wait for a call back. I find that inconvenient. It took me 2 days to get a quote. It used to take less than 30 minutes.Nora from AuroraNora from Aurorajs_loader
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At Life Insurance Pro, we understand the paramount importance of family. Our top-tier insurance policies empower you to consistently support your loved ones, ensuring financial stability even in your absence.

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Why do Canadians Need Final Expense Insurance?

Canadians need Final Expense Insurance for several reasons in today’s context. Firstly, the cost of funerals has risen significantly over the years, with expenses ranging from thousands to tens of thousands of dollars. Given this financial burden, Final Expense Insurance ensures that loved ones are not left with hefty expenses during an already difficult time. Additionally, traditional life insurance policies may not cover all funeral costs, making Final Expense Insurance a necessary supplement. Moreover, Final Expense Insurance provides peace of mind, knowing that one’s funeral expenses are taken care of, thereby relieving stress on family members. Applying for this insurance is straightforward, requiring only a questionnaire without the necessity of a medical exam.

This type of insurance becomes especially essential if your estate lacks the resources to cover your end-of-life arrangements.

Tips to Save Money on Final Expense Insurance

We’re here to assist you in safeguarding your finances. When it comes to Final Expense Insurance, the most effective approach to saving money is by comparing rates across various providers. However, this task can be quite burdensome and time-consuming. Fortunately, Life Insurance Pro simplifies the process for you. With just a request for a quote on our website, we handle all the legwork, ensuring you receive rates from every leading insurer in Canada. In addition to comparative shopping, here are some more ways you can save money on Final Expense Insurance:

Give Up Smoking

Individuals who smoke cigarettes may end up paying up to double the premium compared to non-smokers for the same coverage level. To substantially decrease your premium expenses, contemplate quitting smoking. This not only saves money but also enhances your overall health.

Existing Life Insurance

If your current life insurance coverage is comprehensive, Final Expense Insurance may not be necessary. Evaluate your existing policy thoroughly before determining whether additional coverage is needed.

Planning Ahead

Research the average costs of burial or cremation services in your locality to estimate your funeral expenses accurately. Purchase only the coverage amount required based on your findings.

Early Policy Purchase

Your age significantly influences the cost of premiums. It’s advisable to procure Final Expense Insurance at a younger age to avoid higher rates. Secure your policy before your next birthday to lock in lower premiums.

Final Expense Insurance FAQ’s

In addition to the valuable information provided above, this section aims to provide even more clarity on the topic of Final Expense Insurance:

Final Expense Insurance, also known as funeral or burial insurance, is a type of life insurance designed to cover the costs associated with a funeral, burial, or cremation. It provides financial assistance to your loved ones to manage these expenses when you pass away.

Anyone who wants to ensure that their funeral expenses are covered and doesn’t want to burden their family with the costs should consider purchasing Final Expense Insurance. It’s particularly beneficial for seniors or individuals with health conditions that may make obtaining traditional life insurance more difficult.

The amount of Final Expense Insurance coverage you need depends on your preferences and the anticipated costs of your funeral arrangements. Consider factors such as burial or cremation expenses, funeral services, and any outstanding debts you may want to cover. It’s advisable to research local funeral costs to determine an appropriate coverage amount.

Yes, many Final Expense Insurance providers offer coverage regardless of pre-existing health conditions. However, premiums may vary depending on your health status. Some policies may have waiting periods or exclusions for certain conditions, so it’s essential to review the terms and conditions of the policy carefully.

Applying for Final Expense Insurance typically involves completing an application form and providing information about your health and personal details. Many insurance companies offer online applications for convenience. Once you submit your application, the insurer will assess your eligibility and may require a medical examination or review of medical records. Upon approval, you’ll start paying premiums to maintain coverage.

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Final Expense Form (#11)
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