Final Expense or Burial Insurance Policies | USAmericare

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Term or Whole Life Insurance Quote

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Final Expense Insurance from USAmeriCare

When you schedule an appointment with USAmeriCare to discuss final expense insurance, your call will be handled directly by James Cates or by one of his hand-picked insurance brokers right here in the USA. You'll also receive your complimentary USAmeriCare Life Insurance Guide. Headquartered in Jacksonville, FL, we serve individuals and families from Georgia, Florida, South Carolina, Virginia, and Kentucky.

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Final Expense Insurance

What is Final Expense Insurance?

Often considered “funeral insurance” or “burial insurance”, final expense insurance is intended to be used to help cover expenses, such as the funeral cost or memorial service after the insured individual dies. Final expense insurance is similar to whole life insurance but typically pays a smaller death benefit and can be easier to be approved for. Unlike whole life insurance, final expense insurance is sold in small policies to make it more affordable with typical death benefits ranging from $2,000 to $50,000. Because the payouts are typically smaller than normal whole life insurance policies, the monthly premiums are also more affordable.

Many final expense policies are recommended for older individuals who are starting to think about their funeral costs or the expenses that their family members would be left within the event of their death. It’s important to discuss insurance options with a trusted insurance broker before purchasing any policy, as some life insurance policies can go towards paying final expenses and a separate policy may not be necessary. Individuals who are interested in a smaller, easier type of life insurance to protect their family in the event of an unexpected death, may be interested in a final expense insurance policy.

Talk with the professionals at USAmeriCare to understand your policy options, and purchase a final expense insurance plan that works best for you.

Is Final Expense Insurance Really Necessary?

Many people wonder if life insurance is a necessary purchase. There’s no way of knowing exactly when an individual will die, nor how life will change afterward. Without knowing our life expectancy, life insurance can feel like a drawn-out expense, without much benefit. But the truth is that life insurance, and especially final expense life insurance, is an important way to protect family members from financial stress after the insured individual’s death.

When an individual dies, the family not only faces the stress of grieving, but also the stress of paying for the medical bills, burial expenses, and any co-signed debts that are still owed. A final expense insurance policy provides that money that the family needs to pay for these expenses and be able to focus on celebrating the life of the policyholder without any added stressors. While the policyholder is paying the policy, it may feel like just another monthly expense. However, when the family receives the death benefit cash amount, they’ll be grateful for the additional help when they need it most.

Set up a time to speak with an insurance broker at USAmeriCare to discuss the benefits, expenses, and variety of final expense insurance policies available to you. James and his team of insurance experts at USAmeriCare can help you to decide which final expense insurance policy will protect your family.

The USAmeriCare Difference

When you schedule an appointment with USAmeriCare to discuss insurance, your call won’t be sent to a call center overseas. Instead, your inquiry will be handled directly by James Cates or one of his hand-picked insurance brokers right here in the USA. Headquartered in Jacksonville, FL, we serve individuals and families from Georgia, Florida, South Carolina, Virginia, and Kentucky. Request an appointment with one of our Term Life Insurance Specialists and receive your complimentary USAmeriCare Life Insurance Guide. We look forward to meeting you and being your advocate in the world of insurance.

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Meet Your Broker

James Cates, USAmeriCare Founder

Experienced insurance broker James Cates founded USAmeriCare to help Floridians and Georgians plan for their futures and make informed decisions about insurance. James has over 22 years of experience in the insurance industry.

James and his wife Sue have been involved in /international missions for years, making many trips to Mexico and Haiti. James volunteers with Lend An Ear Outreach, providing hearing aids to those in need including children in the St. Johns County school system. Sue volunteers as a Mentor Mom for young mothers at our church.

Professionally, James continues serving his clients as an insurance broker through his company, USAmeriCare. The insurance world is ever-changing and ever-evolving. James and his hand-picked team are committed to providing clients with insurance education and advocacy. With USAmeriCare, you aren’t just a policyholder, you’re a person. We look forward to getting to know you, your goals, and providing a roadmap to help you meet them.

“My passion is not selling, but to inform and educate every individual to a position of understanding and then to a clear decision of doing what’s right!”
-James Cates

What Does Final Expense Insurance Cover?

Final expense insurance is designed to cover funeral expenses, medical bills, and burial costs after the death of the insured individual. With the median cost of a funeral being about $9,000, final expense insurance can be a necessary payment in order for the family to be able to afford the funeral and burial costs without facing a huge financial burden.

The insured individual has the opportunity to specify how they would like the funds to be used after their death. Some individuals choose to name the funeral home as their beneficiary, to ensure the funds are used appropriately for funeral and burial expenses. Others choose specific family members as their beneficiaries and state clearly how they want the funds to be used. 

Common final expense insurance policies cover the following:

  • Cremation
  • Casket
  • Burial costs
  • Funeral costs
  • Medical bills associated with death
  • A legacy through your kids or grandkids
  • A legacy for your church or favorite non-profit
  • Money for your spouse to live on

To learn more about different final expense insurance policies and what they each specifically cover, contact the experts at USAmeriCare today!

$10,000 coverage as low as $20/month

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Some Kind Words From Clients

“I couldn’t have been more pleased and amazed by the service provided by USAmeriCare. What a fantastic and refreshing approach towards obtaining life insurance with no pressure, no obtrusive phone calls, straightforward information, and advice. A definite departure from previous experiences dealing with a consummate professional, rather than a salesman! Without any reservation whatsoever, I would highly recommend that anyone seeking advice on matters of life insurance place a call to USAmeriCare. You will be as pleasantly surprised as was I!”

D. Weitzel, Kentucky

“It’s nice to have your expectations in a business not only met but exceeded! USAmeriCare provided us with professional, friendly & effective service…..Many thanks for your efforts which allowed us to get the exact coverage we needed.”

D. Tennyson, Georgia

“Thank you very much for your services. I felt like I got the personal attention and expertise necessary to get the best life insurance policy for my husband and myself at the very best rates. You were always helpful, courteous, and knowledgeable, and always responded to my phone calls and emails promptly. I appreciate that, even after repeated questions, concerns, you never made me feel as if you were too busy to continue to assist me. All in all, I am very satisfied with your services and would recommend you to anyone asking for assistance in choosing life insurance. Thank you.”

C. Pilkington, Florida

One USAmeriCare, Many Possibilities

A small, reputable insurance brokerage firm, USAmeriCare prides ourselves on providing personalized insurance consulting for everyone who walks through our doors. Unlike large insurance companies who see each client as just another number, USAmeriCare establishes a relationship built on trust with each of our clients.

We offer affordable insurance and retirement solutions to empower people to live longer, healthier lives. Since the mid-1990s, USAmeriCare agents have collaborated with people to learn their stories and find insurance and retirement solutions to address their concerns and ease their fears of the unknown.

What hasn’t changed over the years is our commitment to helping people live happier and healthier lives through information and education.

Today, USAmeriCare has 45+ affiliate insurance offices throughout the United States and is growing and expanding into new markets. We work with 70+ carrier partners, many rated “A+” or “A” by A.M. Best, a U.S. – based insurance industry rating agency. This allows our agents to offer an extensive portfolio of quality annuity, life, and health insurance products.

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USAmeriCare, Inc.

8081 Philips Highway, Suite 10,
Jacksonville, FL 32256

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