Better Final Expense Life Insurance Solutions

Why Better Final Expense Life Insurance?

Sooner or later, every family will have to face the costs associated with the passing of a loved one. Many people immediately think of funeral and burial costs when they hear the term “final expenses”. In reality, final expenses can include many different kinds of costs, including medical bills, utility bills, taxes, and credit and debit card debt. Planning ahead for these costs can help ease your family’s financial and emotional burdens during an already difficult time.

By purchasing a Better Final Expense policy today, you can help relieve your family of some of the financial obligations they may face after you’re gone.

Flexibility and Freedom

Unlike funeral home-based preneed contracts, which are tied to specific funeral homes, our life insurance policies allow you to set aside funds without such restrictions. This gives your beneficiaries the freedom to choose how to allocate the death benefit proceeds. With Better Final Expense life insurance, you have the flexibility to cover a variety of bills, providing comprehensive support for your loved ones.

Simplified Issue Whole Life

Our Simplified Issue Whole Life policy offers multiple payment options and a rate that won’t change over time. Enjoy an easy application process with simple yes or no medical questions. No medical exam or physician’s statement is required.

Our Simplified Issue Whole Life solution offers:

• Lifetime, Permanent Protection: Receive a tax-free* death benefit that supports your loved ones financial security.
• Accelerated Death Benefit Rider: Included at no additional cost, providing flexibility for policyholders with terminal or permanent illness.**
• Stable Premiums: Premiums are guaranteed to never increase as long as you maintain your policy.
• Guaranteed Cash Value: Build accessible cash value over time.***
• Flexible Payment Options: Choose to pay monthly, quarterly, semi-annually, or annually.
• Eligibility: Available to individuals aged 40-85.
• Coverage Amounts: Policies available from $2,000 to $25,000.

Graded Benefit Whole Life

Our Graded Benefit Whole Life policy offers permanent life insurance protection with flexible premium payment options. No health questions or medical exams are required, making it accessible for individuals with less than perfect health.

Our Graded Benefit Whole Life solution offers:

• Permanent Protection: Enjoy a tax-free* death benefit that provides financial security for your loved ones.
• Accelerated Death Benefit Rider: Included at no additional cost, offering flexibility for policyholders with terminal or permanent illness.**
• Stable Premiums: Premiums are guaranteed to never increase as long as you maintain your policy.
• Guaranteed Cash Value: Build accessible cash value over time.***
• Early Death Benefits: If you pass away due to natural causes within the first two years, your beneficiary will receive a return of all premiums paid plus 4.5% interest per annum. If death occurs due to an accident within the first two years, your beneficiary will receive 100% of the face value.
• Eligibility: Available to individuals aged 40-85.
• Coverage Amounts: Policies available from $2,000 to $25,000.
• Full Coverage After Two Years: 100% of the face value will be paid for any cause of death after the first two policy years.*****

Guaranteed Issue Whole Life

Our Guaranteed Issue Whole Life policy offers permanent life insurance protection with a single payment. No medical exams or health questions are required, ensuring that imperfect health will not prevent you from obtaining coverage.

Our Guaranteed Issue Whole Life solution offers:

• Lifetime, Permanent Protection: Receive a tax-free* death benefit that ensures financial security for your loved ones.
• Accelerated Death Benefit Rider: Included at no additional cost, providing flexibility for policyholders with terminal or permanent illness.**
• Guaranteed Cash Value: Build cash value over time.***
• Dividend Eligibility: Eligible to earn dividends.****
• Full Coverage: 100% of the face value is paid if death occurs from an accident or natural causes after the policy has been issued.
• Eligibility: Available to individuals aged 40-90.
• Coverage Amounts: Policies available from $2,000 to $25,000.

*According to tax laws IRC Section 101 & 7702. Cash surrenders and loans may generate an income tax liability. BetterLife, its affiliates, and its agents do not render tax or legal advice. Consult with your tax and legal advisors regarding your personal circumstances. ** Subject to terms of rider ***Accessing cash value decreases death benefit ****Dividends are not guaranteed. *****Subject to suicide provision.