Do I need a medical exam to get coverage?
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Most applicants do not require a medical exam. Eligibility is typically determined through a simple health questionnaire that can be completed online in just a few minutes. For certain coverage amounts or specific health conditions, additional medical information may be requested, but physical exams are rare.
What coverage amounts are available?
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We offer coverage amounts ranging from $5,000 to $50,000. You can choose the amount that best fits your needs and budget. Coverage amounts can be adjusted during your policy term with approval and may be subject to underwriting requirements.
Is there an age limit for coverage?
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Our burial coverage is available for individuals aged 18 to 85. Premiums are calculated based on your age at the time of application, and your rates will remain fixed for the life of your policy regardless of age increases.
How long does the application process take?
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Our streamlined application process typically takes just 10-15 minutes to complete online. Most applications receive a decision within 24-48 hours. If additional information is needed, we'll contact you promptly to keep the process moving.
Can I be denied coverage?
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We offer guaranteed acceptance options for many applicants. While some policies may have health-based underwriting, we have plans available that guarantee acceptance regardless of health conditions, though these may have waiting periods for natural death benefits.
When does my coverage begin?
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Coverage begins immediately upon policy approval and first premium payment for accidental death. For natural death coverage, there may be a brief waiting period (typically 2-3 years) during which premiums would be returned with interest if death occurs. Specific terms vary by policy type.
How quickly is a claim paid?
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We process most claims within 3-5 business days once all required documentation is received. Our compassionate claims team understands that families need support quickly during difficult times, and we work diligently to expedite the process while ensuring all requirements are met.
What documents are needed for a claim?
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Typically, we require a completed claim form, certified copy of the death certificate, and proof of beneficiary identity. Our claims specialists will guide you through the exact requirements and help gather necessary documentation to ensure a smooth process.
Can I name multiple beneficiaries?
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Yes, you can designate multiple primary and contingent beneficiaries and specify the percentage each should receive. You can update your beneficiaries at any time through your online account or by contacting our customer service team. Changes take effect immediately upon processing.
Are premiums fixed?
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Yes, your monthly premium remains locked for the life of your policy. There are no surprise increases or rate hikes - your premium stays the same as long as you maintain coverage. This provides predictable budgeting for your final expense protection.
What payment options are available?
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We offer flexible payment options including monthly, quarterly, semi-annual, and annual premium payments. You can pay by automatic bank draft, credit card, or check. Automatic payments often qualify for small discounts and ensure your coverage never lapses accidentally.
What if I miss a payment?
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We provide a 30-day grace period for premium payments. If you miss a payment, your policy remains in force during this grace period. We'll send reminders and work with you to bring your policy current. If payment isn't received within the grace period, the policy may lapse, but reinstatement options are available.
What if I change my mind after purchasing?
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We offer a 30-day free look period. If you're not satisfied for any reason, you can cancel within this period for a full refund of any premiums paid. This gives you time to review your policy documents and ensure the coverage meets your needs.
Can I increase my coverage later?
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Yes, you may be able to increase your coverage amount, subject to underwriting approval and age/health restrictions. Contact our customer service team to discuss your options. Keep in mind that premium increases will reflect current rates based on your age at the time of the increase.
Do you offer coverage in all states?
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Yes, our burial coverage is available in all 50 states. However, specific policy terms, benefits, and availability may vary by state due to local insurance regulations. We are licensed and regulated by state insurance departments to ensure compliance and protection.
Are there any hidden fees or charges?
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No, we believe in complete transparency. Your quoted premium includes all charges. There are no application fees, policy fees, or hidden costs. The premium you're quoted is the premium you'll pay. We provide full disclosure of all policy terms and conditions.
