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Final expense insurance is a type of whole life insurance designed to cover end-of-life costs such as funeral expenses, medical bills, and outstanding debts. Policies typically range from $5,000 to $50,000 and are available without a medical exam for most applicants.

• Coverage amounts from $5,000 – $50,000
• No medical exam required for most plans
• Generally available ages 45–85
• Premiums stay the same for life
• Benefits paid to your beneficiary for any purpose

Term life insurance provides coverage for a specific period — typically 10, 20, or 30 years. It offers a death benefit to your beneficiaries if you pass away during the term. It's the most affordable type of life insurance, making it ideal for covering mortgages, income replacement, or children's education costs.

• Coverage for a fixed period (10, 20, or 30 years)
• Lowest premiums of any life insurance type
• Ideal for young families and income replacement
• No cash value — purely protection
• Can often be converted to permanent coverage

Whole life insurance provides lifelong coverage with a guaranteed death benefit and a cash value component that grows over time. Premiums remain level for the life of the policy. It's a good option for estate planning, leaving a legacy, or supplementing retirement income.

• Lifetime coverage — never expires
• Fixed premiums that never increase
• Builds cash value you can borrow against
• Guaranteed death benefit for beneficiaries
• Useful for estate planning and legacy goals