best final expense insurance

There are several different types of final expense insurance. In this article, we will look at three options: Silver Guard II, Sagicor, and Living Promise Level plan. If you’re interested in final expense insurance, these options should meet your needs. Before purchasing a plan, be sure to read over the policy details and read the company’s policy documents. These companies do not share information with the Medical Information Bureau, but they may still communicate with it.

Living Promise Level plan

The Living Promise Level plan from Mutual of Omaha offers both a premium and a face amount. The policy can cover up to $40,000 in face amount and is available to individuals ages 45 to 85. The policy does not require a medical exam, but it does ask a series of health questions. You may find a plan with a higher face amount to be more suitable for your needs. It is available in all states except New York, North Carolina, and Montana.

The Mutual of Omaha’s Living Promise product is the most affordable option in the final expense insurance market today. This policy does not have a waiting period and offers immediate coverage. In addition, it is one of the most competitively priced options for people over 80. It pays out benefits instantly after death, which is a huge plus. The company has been in the insurance business for 100 years and offers an impressive range of different plans.

The Mutual of Omaha Living Promise doesn’t require medical exams, but it does ask a series of health questions. Some of the questions are knockouts. If you answer “yes” to any of these questions, you will automatically be ineligible for a whole life policy. On the other hand, if you answered “no” to either of the health questions, you’ll only be eligible for a graded benefit plan.

Living Promise’s Level Benefit plan is ideal for seniors who want affordable permanent life insurance. It has two different plans, the Level Benefit Plan and the Graded Benefit Plan. You’ll be able to choose the plan that best suits your needs. Either plan offers a death benefit that is equal to its full amount from the very first day of the policy. But you should be aware that cash withdrawals will lower the policy death benefit.

The Mutual of Omaha Living Promise offers several benefits including guaranteed cash value growth and affordable premiums. The application process is easy and hassle-free, and the cash value will grow over time. The Living Promise is available to individuals age 45 to 85. However, this plan does come with a lot of details and may not be suitable for those with a serious health condition. However, the Mutual of Omaha Living Promise is worth considering if you’re in a good health.

One of the key benefits of the Level plan is that it covers individuals across all states and has two free riders. The Terminal Illness Rider allows you to accelerate your death benefit by 50% if you are diagnosed with a serious illness. It can also include an Accidental Death Benefit for an additional monthly fee. If you die suddenly from an accident, the Accidental Death Benefit will double the amount your beneficiary will receive. You’ll need to know what to expect from your policy.

Silver Guard II

The basic benefits of the Silver Guard II final expense insurance plan are its graded benefits. The policy provides a death benefit of half the face value in the first year, a half-lifetime payout in the second and finally a full lifetime payout after the third year. Both policies have different terms and conditions. To maximize the benefits, you should carefully review the policy description and choose the type of plan that fits your specific needs.

You should ask about the health questions when you first apply for a policy. Some policies require a medical exam, while others do not. You should also be clear about any medication you are taking. If your health history is clean and you are of average height and weight, you should be able to qualify for the Silver Guard I plan. If you’re tall and thin and fit, you can apply for Silver Guard II. However, if you have a family history of heart disease or other serious illness, it is best to opt for Silver Guard II.

Baltimore Life also offers whole life plans. These policies are level premium plans that never increase. The coverage amounts vary between $2,000 and $30,000. The Silver Guard series of plans offers three different options for a low premium. There are also Silver Guard plans for people who are between fifty and eighty. While they are both relatively low-cost and require no medical exam, they differ from each other in terms of health-related benefits. You can also choose a simple issue policy for people between 50 and 80 years old.

Baltimore Life is a reputable final expense insurance company. They offer a variety of plans that are easy to understand, and you do not have to worry about a medical exam to qualify. The Baltimore Life policy is also among the best on the market. It requires no medical exam to apply. These policies are designed to protect your family and help you get through your daily life quickly. The Silver Guard (r) I and II policies provide extra protection insurance for seniors 50 and older. With guaranteed payouts, you don’t have to worry about your age at death.


The Children’s Term Rider from Sagicor is a benefit that can be added to a life insurance policy. The benefit stays in effect until the child reaches the age of 25 and then can be converted to a permanent policy without medical examinations. If the child is disabled, the benefit stays in place and the policy can be converted to a permanent policy. The Sagicor Simplified Issue Policy allows coverage amounts of up to $249,000 and doesn’t require a medical exam. It’s also faster to apply for than the standard issue policy and is more affordable if you have certain medical conditions.

The benefits of Sagicor final expense insurance are many, but the company has an impressive track record and an efficient system. The process of applying is easy and the entire application can be completed online in a matter of minutes. Moreover, Sagicor has an excellent financial history and a high rating. The company is also available in 45 states and is widely considered to be a great value for money. This company is also among the best insurance providers for its coverage options.

Although Sagicor has been in the life insurance industry for over 175 years, it has maintained its renown amongst policyholders for many years. Its ease of use and customer service have earned it the loyalty of more than 60,000 policyholders. Sagicor Life Insurance has also received numerous awards and accolades from independent consumer review sites, including the coveted Trustpilot rating. The Sagicor Financial Corporation is the oldest insurance company in the US, dating back to 1840. Its annuities are renowned for their high-quality customer service, as well as their low application fees.

In terms of death benefit and cash value, the Sagicor Life Insurance Company offers a no-lapse universal life insurance policy. This policy allows for a death benefit and a cash value benefit, and is tax-deferred. In addition to offering tax-deferred cash value, this policy allows for flexibility. It also offers flexibility in terms of skipping payments and altering coverage, if need be.

Another Sagicor policy feature is the cash value investment option. Some policies invest cash value in indices, while others track market interest rates. Both allow for the surrender of coverage and a full refund of premiums, which reduces the risk of buying a large amount of coverage. There are a variety of other benefits to Sagicor final expense insurance, and Sagicor has the best option for everyone. All you need to do is get it today.

Sagicor final expense insurance provides cash value whole life and other permanent life insurance. It’s a great option for people who want to ensure their estate has the liquidity it needs without reducing their inheritance. Sagicor’s policy is the most popular type of final expense insurance policy, which has the highest A.M. Best rating. Moreover, Sagicor’s policies are not intended to replace the income of the insured.