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- Learn more:✕This summary was generated using AI based on multiple online sources. To view the original source information, use the "Learn more" links.For older adults who have no life insurance coverage, final expense insurance can serve as a way to take some financial burden off loved ones after you die. The lack of a required medical exam makes it possible to gain insurance coverage despite any health issues, and family members can use the cash to pay for your end-of-life arrangements.www.marketwatch.com/guides/life-insurance/final-e…Unlike most whole life policies, a final expenses policy is insurance that does not require a medical exam. At most, you might fill out a health questionnaire. The underwriting process is short, and in some cases, you can have a policy in effect almost immediately.www.bankrate.com/insurance/life-insurance/final-e…Final expense insurance policies usually offer low coverage amounts, up to $50,000, and don’t require a medical exam. Term life insurance offers much more coverage at a lower cost. If your age or health disqualifies you from getting traditional term coverage, a final expense policy is a good option.www.policygenius.com/life-insurance/final-expens…Guaranteed and simplified issue life insurance don't require a medical exam. However, simplified issue life insurance requires a health assessment. If your health status disqualifies you from traditional life insurance, final expense may be an option.www.businessinsider.com/personal-finance/funera…No medical exam whole life insurance is typically used as a form of final expense insurance, because the coverage is lifelong and death benefits are generally capped at $25,000 or $50,000. After your death, your beneficiaries may get a payout large enough to cover your funeral, other end-of-life costs and potentially a small loan.www.valuepenguin.com/life-insurance/no-medical-…
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