Final expense insurance,
a small policy that means a lot.
Affordable burial and final expense coverage with simplified underwriting. Lock in a fixed premium, lock in the benefit, and make sure your family is not left with the bill.
Get a final expense quote.
Tell us a few quick details and a Stevens & Co. specialist will follow up with rates from carriers that fit your age and health.
Coverage built for peace of mind.
Most final expense policies are between $10,000 and $25,000. We match you to the carrier and underwriting tier that fits your age and health.
Whole Life Burial
Permanent coverage that never expires and builds cash value. Premiums never go up, and the benefit never goes down.
Guaranteed Issue
No medical exam, no health questions. Acceptance is guaranteed if you are within the age range. Ideal for clients who have been declined.
Modified Whole Life
A graded benefit policy for clients with health issues. Full benefit kicks in after 2-3 years, with lower premiums than guaranteed issue.
Funeral Pre-Planning
Pair the policy with a written funeral plan so your family knows exactly what you wanted. We will introduce you to local funeral planners.
Living Benefits
Many of our final expense policies include accelerated death benefits for terminal, chronic, or critical illness, so you can use the policy while you are alive.
No Medical Exam
Most of our final expense plans skip the medical exam entirely. A few health questions and a phone interview, and the policy is in force.
$10,000 of coverage today, saves your family $20,000 of stress.
The average funeral in North Carolina runs $9,000 to $14,000. Add medical bills, travel for family, and unfinished debt, and most households are looking at a five-figure expense at the worst possible moment. Final expense coverage is small on purpose, and it is exactly the right size for what it is built to do.
- Fixed premiums for life, the rate you lock in today is the rate you pay forever.
- Fast claim payouts, most carriers pay within 7 to 14 days when the paperwork is right.
- Living benefit riders, accelerate the benefit for terminal, chronic, or critical illness.
- Honest underwriting, we'll tell you up front which carrier and tier you fit, no bait-and-switch.
Final expense
questions.
The most common things families ask us about burial and final expense coverage.
How much final expense coverage do most people get?
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I have health issues, can I still get covered?
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How fast does the policy pay out?
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Can my family use the money for anything?
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