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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 340 reviews from ★★★★☆ Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.Yogashiatsuyucatan DonypaolaYogashiatsuyucatan Donypaola ★★★★★ Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and familyChris DingsdaleChris Dingsdale ★★★★★ Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.Carolyn CassellsCarolyn Cassells ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinberg ★★★★★ We booked travel insurance with Ummi Hanny for a river cruise we are taking this summer. She was very professional, responded quickly and efficiently to emails, calls and questions. Would definitely recommend her and Alliance/Allianz.Kathy CastleKathy Castle ★★★★★ It was a pleasure to deal with Artmiz. Very polite and Patient. Nice to deal with someone who knows and enjoys their job.Tom BrailsfordTom Brailsford ★★★★★ I just finished getting a tailored insurance package with the help of Ummi. I really appreciated the attention to detail and how knowlegable she was on the various packages. Ummi was able to get us an annual package for me and my wife that focused on our need for Trip Cancellation/Inturruption and also a single trip comprehensive package for our 3 grandchildren that will be traveling with us on our next trip. It was a pleasent experience. Ummi detailed the options and made recommendation that ensured we had the coverage we needed at the best possible price. This was all done over the phone and email and we received the comple package immediately after the purchase in our email. Thanks UmmiJeff LangJeff Lang ★★★★★ We were helped by Ummi Hanny she is very professional and helpful.Thanks for your understanding,Heinz KriegerHeinz Krieger ★★★★★ Ummi was our Insurance agent helping with getting medical and cancelation policy -she was very professional and knowledgeable and was able to get us a very reasonable insurance rates.Milos RudolfMilos Rudolf ★★★★★ Eric provided policy information, confirmed my personal details to ensure the policy would be correct, processed my payment quickly.Tracy HastingsTracy Hastings ★★★★★ I dealt with Ummi Hanny, oh my she was wonderful! She even laughed at my jokes. What a great first experience.Lise BeaulneLise Beaulne ★★★★★ Ummi. was very helpful and pleasant. Billwilliam rockwilliam rock ★★★★★ Our purchase of Allianz Emergency Medical Insurance through Alliance Income Services Corp was a breeze. Ummi and Mariam was a pleasure to work with. They were both very patient, knowledgeable, and efficient in presenting the various options available to us. Mariam did a lot of leg work comparing several insurance companies just to find a plan that suit our needs. Ummi then completed the processing of the policy effortlessly and made the process seamless. I would highly recommend anyone who needs an insurance coverage to speak to especially this two ladies.Danny ChinDanny Chin ★★★★★ My agent Artmiz was very helpful and provided me with a quote quickly. When I was ready to accept the quote she responded quickly and sent me all the necessary documents just as efficiently. Happy with my interactions.Stephanie RumbleStephanie Rumble ★★★★★ Eric and Bob were both extremely helpful and attentive to my needs.Paul CodyPaul Cody ★★★★★ Teresa was great. Addressed all my concerns.Robert CarterRobert Carter ★★★★★ The service given by Ummi Hanny was excellent- very pleasant, courteous and professional.Simin MeshginnafasSimin Meshginnafas ★★★★★ I had a top notch experience with this insurance broker. Eric Clementi was the person that helped me from the day that I asked for a quote online. He was very thorough with explaining every minor details that might be misunderstood between the client and the provider. Eric is very professional with his tone of voice which makes a potential client feel at ease. Nonetheless, I’ve tried different insurance broker, their monthly fees are way above the average, Alliance income Services Corp has the most decent fee for a family of five… it’s a bang for the buck kind of thing. Truly recommend this company. 👍Mark EngelMark Engel ★★★★★ Eric Clemente and Ryan were excellent to deal with. Both were very helpful , to the point , and curious .Michael BoudreauMichael Boudreau ★★★★★ Excellent service by Eric Clementi and Ryanmargaret burnsmargaret burns ★★★★★ Eric and Adam were very helpful with my travel medical insurance. Now I realize if I have to use this coverage that I will be in great hands.Bonnie SmithBonnie Smith ★★★★★ Hello...Eric was very easy to work with ....very polite....and set up my insurrance policy very quickly....thank you again Eric....Marsha Risser.Marsha RisserMarsha Risser ★★★★★ I ordered insurance for my husband and myself. It was a very easy process and was helped greatly by Eric and Dylan. Both were very diligent with helping me through it all. Very easy and quick.Marilee Van BuskirkMarilee Van Buskirk ★★★★★ It was a pleasure speaking with Eric Clementi. He was polite, understanding and considerate.Mohinder BangaMohinder Banga ★★★★★ I was quite happy to get excellent & friendly customer services from Artmiz - very helpful & knowledgeable!Bruce YeeBruce Yee ★★★★★ Great service from knowledgeable and very helpful people. Thank you Eric Clementi and Ezarie!Beverley HowickBeverley Howick ★★★★★ Eric Clementi is the manYunus PatelYunus Patel ★★★★★ I had to sign up for my own health and dental insurance. The staff at this company were quick to get back to me and provide suggestions on insurance plans. The sign up process was very easy to do over the phone. I communicated with Eric Clementi who was very professional and efficient.Muhammad KoyaMuhammad Koya ★★★★★ It was pleasure working with Mariam and Eric. We are seniors and trying to get a reasonable price for travel insurance.Fay BellefontaineFay Bellefontaine ★★★★★ I sent an email yesterday. They called today. Marion and Eric were excellent. Highly recommend this company. Rates are excellent tooAnnette ChisholmAnnette Chisholm ★★★★★ Eric was fantastic. Quick , easy and affordable.Tracey PeerTracey Peer ★★★★★ Eric was very professional and found the best plan for me at this time.Trev HutchinsTrev Hutchins ★★★★★ Eric Clementi was an absolute pleasure to work with. Very professional and courteous.Berit LysBerit Lys ★★★★★ Artmiz, must be the best Agent I have ever dealt with. She is articulate and has a wonderful sense of humour apart from an intimate knowledge of her products. She demonstrates a quick grasp of what people actually need (or don't need) and points quickly to available options. She is actually the only Insurance Agent I feel like calling back again. Great work Artmiz !!Malcolm KhanMalcolm Khan ★★★★☆ Artmiz was very helpful and polite.We would certainly consider using Allianz againVictor LeblancVictor Leblanc ★★★★★ Artmiz Namazi is one of the most pleasant people I have ever dealt with. She was polite, personable, and helpful on the telephone. She promptly replied to both phone calls and emails. It was a pleasure to deal with her. The price of the insurance was more than reasonable.Patricia KostrichPatricia Kostrich ★★★★★ Artmiz Namazi is very helpful, patient & just a delight to speak with doing businessWe have dealt with different people for travel insurance over the years & some could take some lessons from ArtmizJoan FlemingJoan Fleming ★★★★★ Artmiz was very pleasant and patient to deal with. Happy with our coverage.Bob WainesBob Wainesjs_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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