FAQs

The beneficiary you name generally receives the death benefit and can use it for funeral costs and other expenses.

No. It is protection meant to help cover final costs, not an investment product.

Often not. Many final expense policies are simplified or guaranteed issue, though terms and any waiting periods vary by policy.

It is typically a smaller whole life policy focused on end-of-life costs, while broader life insurance often addresses income replacement and larger needs. We can compare them for you. ...

It is the waiting time between when a disability begins and when benefits may start. A longer elimination period changes how the policy behaves.

No. Disability insurance is income protection, not an investment, and it does not build returns.

Own-occupation generally considers whether you can do your specific job, while any-occupation considers whether you can do any job. The distinction can meaningfully affect a claim. ...

Sooner is generally better. Arranging coverage well before the date gives time to meet venue requirements and confirm details.

Policies typically replace a portion of income rather than all of it. The amount depends on the policy and your situation.

It is worth strongly considering. Host liquor liability may help protect you if an alcohol-related incident occurs at your event.