How to Use Final Expense Insurance to Protect Your Family, Preserve Your Assets and Leave the Legacy You Intend
By OLPolicy | Licensed Insurance Specialists | Call (866) 757-5350
Most people think of final expense insurance as a simple product – something you buy so your family doesn’t have to pay for your funeral. And it does that job beautifully. But for seniors who are also thinking about estate planning, final expense insurance plays a much broader and more strategic role than most people realize.
When final expense insurance is properly integrated into an estate plan, it becomes a powerful tool for protecting assets from being liquidated at death, bypassing the lengthy and costly probate process, passing wealth directly to loved ones tax-free and ensuring that end-of-life costs are never paid out of savings, retirement accounts, or property that was meant to be passed down.
This guide from OLPolicy walks you through the full relationship between final expense insurance and estate planning – in plain, honest language. You will learn what estate planning actually involves, where final expense insurance fits into that process and how to structure your coverage to protect your family’s financial future the right way. Whether you have a modest estate or significant assets, this information is relevant and actionable.
| Quick Answer
Final expense insurance is both a practical end-of-life planning tool and a smart estate planning asset. It provides immediate, tax-free cash to cover funeral costs and final bills – bypassing probate entirely – so your estate’s other assets remain intact and can be distributed according to your wishes. When paired with a will, beneficiary designations and other estate planning documents, final expense insurance ensures your family is protected financially and legally. Call OLPolicy at (866) 757-5350 to learn how to structure your coverage as part of a complete plan. |
Estate planning is the process of organizing your financial affairs and documenting your wishes so that when you pass away, your assets go to the right people, in the right amounts, as quickly and inexpensively as possible – and with as little conflict and confusion as possible for the people you leave behind.
Many seniors assume estate planning is only for the wealthy – for people with multiple properties, investment portfolios and complex financial situations. This is one of the most costly misconceptions in personal finance. Estate planning matters for anyone who owns a home, has a bank account, wants to leave anything to a family member, or simply wants a say in what happens to their belongings after they are gone.
Without an estate plan, the state decides what happens to your assets. Your property goes through a court-supervised process called probate, which can take months or years, costs a percentage of your estate’s value in legal and court fees and distributes your assets according to state law – not according to your wishes. Family members may receive nothing, or receive far less than you intended.
A complete estate plan typically includes several coordinated documents. Here is what each one does and why it matters:
| Document | What It Does |
| Last Will and Testament | Specifies how you want your assets distributed after death, names an executor to manage the process and – if applicable – names a guardian for minor children. Without a will, state law determines distribution. |
| Durable Power of Attorney | Names a trusted person to manage your financial affairs if you become incapacitated. Without this, a court must appoint a guardian – a costly and time-consuming process. |
| Healthcare Proxy / Medical POA | Names a trusted person to make medical decisions on your behalf if you cannot communicate. This is separate from a financial power of attorney. |
| Advance Healthcare Directive | Also called a living will – documents your specific wishes about medical treatment, life support and end-of-life care so your family does not have to make these decisions under pressure. |
| Revocable Living Trust | A legal arrangement that holds your assets during your lifetime and distributes them after death – bypassing probate entirely. More complex than a will but more powerful for asset protection and distribution. |
| Beneficiary Designations | Designations on financial accounts, retirement plans and life insurance policies that specify who receives those assets at death – bypassing probate regardless of what your will says. |
| Final Expense Insurance Policy | Provides immediate cash to cover funeral costs and final bills at death – without waiting for probate, without reducing estate assets and tax-free to the beneficiary. |
| Critical Estate Planning Fact: Beneficiary Designations Override Your Will
This surprises many families: if your life insurance policy or bank account names a specific beneficiary, that designation controls who receives those assets – regardless of what your will says. A will cannot override a beneficiary designation. This is why coordinating your final expense insurance beneficiary designations with your overall estate plan is essential. A mismatch between the two can result in assets going to the wrong person entirely. |
Final expense insurance sits at a unique and powerful intersection in estate planning – it is both a practical expense-coverage tool and a strategic asset protection mechanism. Understanding both roles helps you use it more effectively.
One of the biggest challenges estates face at death is the lack of immediate, accessible cash. Even a financially healthy estate – one with real property, retirement accounts and savings – may be effectively frozen for weeks or months while the probate process runs its course. During this time, the family still faces urgent expenses: the funeral must be paid, the mortgage must continue, utility bills don’t stop.
Final expense insurance solves this problem directly. Because life insurance death benefits pass outside of probate – paid directly to the named beneficiary – the money is available within days of filing a claim. Your family does not have to wait for the estate to settle. They do not have to sell property or drain savings accounts to pay the funeral home. The cash arrives quickly, exactly when it is needed most.
Without final expense insurance, funeral costs – which average $7,000 to $12,000 – must be paid from somewhere. If no liquid cash is available, families are forced to liquidate estate assets: withdrawing from a retirement account (triggering taxes and penalties), selling investments at a potentially poor time, or – in extreme cases – placing a lien on real property to access funds. These are assets that were intended to be passed down to beneficiaries, not consumed by end-of-life costs.
A final expense policy eliminates this problem entirely. The funeral is paid from the insurance benefit. The estate’s assets – the home, the savings, the retirement accounts, the investments – remain intact and are distributed according to the estate plan as intended.
Probate is the legal process through which a court validates a will, appoints an executor, inventories assets, pays debts and distributes the remaining estate to heirs. Even in straightforward cases, probate can take six months to two years and typically costs 3% to 8% of the estate’s gross value in attorney fees, court costs and executor compensation. In contested cases, costs and timelines can be far higher.
Life insurance death benefits – including final expense insurance – pass directly to the named beneficiary outside of the probate process. This means the money reaches your family quickly, privately and without any reduction for legal or court fees. It is one of the most efficient ways to transfer wealth at death.
The death benefit from a final expense insurance policy is generally not subject to federal income tax for the beneficiary. This means that if you purchase a $20,000 final expense policy and your beneficiary receives $20,000 when you pass, they receive the full $20,000 – not $20,000 minus income tax. For seniors who are looking for ways to pass value to their children or grandchildren efficiently, this is a meaningful advantage.
Many seniors have clear intentions about what they want to leave behind – but their actual liquid assets at death do not perfectly match those intentions. Final expense insurance fills that gap predictably and affordably. It ensures that the costs of dying are never paid from the inheritance meant for loved ones.
| OLPolicy Specialist Insight
At OLPolicy, we often work with seniors who have estate plans in place but have not considered how final expense insurance fits into that plan. In most cases, adding a final expense policy is the single most impactful change they can make to protect their estate from unnecessary liquidation at death. Call (866) 757-5350 for a free conversation about how your coverage aligns with your estate goals. |
Probate is one of the most misunderstood aspects of estate planning. Many people believe that having a will means their estate will settle quickly and privately. In reality, a will simply provides instructions to the probate court – it does not avoid probate. To understand why final expense insurance is such a valuable estate planning tool, it helps to understand exactly what probate involves.
| Probate Stage | What Happens |
| Filing the will with the probate court | The executor named in the will (or the court if no will exists) files to open the estate. This is a public record – anyone can see what you owned and who receives it. |
| Notifying creditors and heirs | The estate must formally notify all potential creditors and heirs. Creditors have a window – typically 3 to 6 months – to file claims against the estate before assets can be distributed. |
| Inventory and appraisal of assets | Every asset in the estate must be identified and appraised. Real property, vehicles, bank accounts, personal belongings, investments – all must be documented and valued. |
| Paying debts, taxes and expenses | Valid creditor claims, outstanding taxes, funeral expenses and legal/court fees are all paid from the estate before any distribution to heirs. This can significantly reduce what beneficiaries receive. |
| Distribution to heirs | Only after all debts and expenses are paid are remaining assets distributed to beneficiaries. If the will is contested or debts are disputed, this stage can be delayed by months or years. |
| Closing the estate | The executor files a final accounting with the court, which reviews the process before officially closing the estate. Total timeline: commonly 6 months to 2 years. |
The financial cost of probate is often underestimated by families until they are in the middle of it. Here is what families typically encounter:
| Cost Category | Typical Range | Who Pays It |
| Attorney fees | 2% – 4% of gross estate value | Paid from estate assets before distribution |
| Court filing fees | $100 – $500+ | Paid from estate – varies by state and county |
| Executor compensation | 1% – 3% of gross estate value | Paid from estate – may be waived by family executors |
| Appraisal fees | $300 – $1,000+ per asset type | Paid from estate |
| Publication / notice fees | $100 – $500 | Paid from estate |
| Accounting fees | $500 – $3,000+ | Paid from estate if professional accountant used |
| Total Typical Range | 3% – 8% of gross estate | Deducted before heirs receive anything |
On a modest $200,000 estate – a home, a car and some savings – probate costs can easily reach $6,000 to $16,000, in addition to the months of delay. And critically: probate is a public process. The inventory of assets, the debts, the creditors and the distribution to heirs all become part of the public court record – visible to anyone who chooses to look.
Life insurance, including final expense insurance, bypasses all of this. It is fast, private, tax-efficient and completely outside the probate process. For most seniors, ensuring their final expense policy is properly structured is one of the highest-value estate planning steps they can take.
The beneficiary designation on your final expense insurance policy is arguably the single most important document in your estate plan. It determines, with legal certainty, who receives your death benefit – overriding everything else, including your will. Getting this right is essential.
Every final expense policy should name both a primary beneficiary and a contingent beneficiary. Here is the distinction:
| Beneficiary Type | Role and Importance |
| Primary Beneficiary | The first person in line to receive the death benefit. If your primary beneficiary is alive and locatable at the time of your death, they receive the full benefit. Most people name a spouse, adult child, or closest family member as primary. |
| Contingent Beneficiary | The backup recipient – receives the benefit only if the primary beneficiary has already passed away or cannot be located. Without a contingent beneficiary, the benefit falls into your estate and goes through probate. Always name one. |
| Multiple Beneficiaries | You can divide the benefit among multiple people by percentage. Example: 50% to your son and 50% to your daughter. All percentages must total 100%. Each named person receives their share directly, bypassing probate independently. |
This is a deeply personal decision, but here are the key considerations that estate planning specialists recommend:
| The Most Common and Costly Beneficiary Mistake
The most expensive mistake seniors make with beneficiary designations is naming their estate as beneficiary – either intentionally or by leaving the designation blank. When the estate is named, the death benefit goes through probate, is subject to creditor claims and may be significantly reduced before reaching your heirs. Always name a real, living person as your beneficiary. |
Final expense insurance, wills and trusts each serve distinct purposes in an estate plan – and they work best when they are coordinated. Understanding how they interact helps you avoid costly gaps and conflicts.
Your will governs the distribution of probate assets – assets that are solely in your name without a designated beneficiary or joint ownership structure. Your final expense insurance policy is not a probate asset (as long as you have named a beneficiary). It passes directly to your beneficiary outside of the will.
This means your will cannot direct how your life insurance proceeds are used. If your will says “I leave everything to my daughter” but your life insurance policy names your son as beneficiary, your son receives the insurance benefit – and your daughter receives the probate estate. Coordination between your will and your beneficiary designations is essential to ensure your estate plan works as intended.
A revocable living trust is a legal arrangement that can hold your assets during your lifetime and distribute them after death – entirely outside of probate. For seniors with more complex estates, trusts offer significant advantages: they are private (unlike probate, which is public), they can include specific instructions about when and how beneficiaries receive assets and they can protect beneficiaries who are minors, have special needs, or struggle with financial management.
When you have a revocable living trust, you have two options for coordinating it with your final expense insurance. First, you can name your trust as the beneficiary of your insurance policy – which means the death benefit flows into the trust and is distributed according to the trust’s terms. Second, you can name an individual as the beneficiary directly – bypassing the trust and delivering funds immediately, which is often preferable for the cash needed to pay funeral costs quickly.
The right approach depends on your specific estate plan and family situation. If you have a revocable living trust, discuss your final expense insurance beneficiary designation with your estate planning attorney to ensure the two are properly coordinated.
If you pass away without a will – called dying intestate – your estate is distributed according to your state’s intestacy laws. These laws follow a fixed formula: typically to a surviving spouse first, then to children, then to other relatives in a prescribed order. Your specific wishes are irrelevant. Your final expense insurance policy, however, still passes directly to your named beneficiary – even if you have no will. This is one of the clearest demonstrations of why beneficiary designations matter so much.
One of the most creative and underused applications of final expense insurance in estate planning is inheritance equalization – using a life insurance policy to create a fair distribution among heirs when the estate’s primary asset cannot easily be divided.
This situation is more common than most families expect. A senior owns a home worth $180,000 – their primary asset. They have two adult children. They want to leave the home to one child who has been their caregiver and is currently living with them. But they also want to leave something meaningful to their other child, who lives far away.
Without life insurance, the options are: sell the home and split the proceeds (which may displace the caregiver child), give the home entirely to one child and nothing to the other (which creates resentment), or try to divide ownership of the property (which creates ongoing legal and financial complexity). None of these are clean solutions.
A final expense or small whole life insurance policy provides an elegant solution. The senior purchases a policy with a death benefit approximately equal to half the home’s value – in this example, a $90,000 policy. The caregiver child is named as the beneficiary in the will to inherit the home. The other child is named as the beneficiary on the life insurance policy. At death, each child receives approximately equal value – one gets the home, the other gets the insurance benefit.
This approach is used by estate planning attorneys and financial advisors regularly to create fair, conflict-free estate distributions when assets are not easily divisible. It is one of the most powerful – and least complicated – estate planning tools available to seniors of modest means.
| Example: The Williams Family Estate Equalization
James Williams, 74, owns his home outright valued at $165,000. He has two daughters – Sandra, who has lived with him and cared for him for six years and Diane, who lives in another state. James wants Sandra to inherit the house and remain in it. He wants Diane to receive something meaningful as well. After speaking with OLPolicy, James purchased an $80,000 whole life policy naming Diane as beneficiary for $112 per month. His will leaves the home to Sandra. At James’s death, Sandra inherits the $165,000 home. Diane receives $80,000 tax-free from the insurance policy. Both daughters receive meaningful value. There is no dispute, no forced sale and no resentment. James said: “I finally figured out how to be fair to both of them.” |
For seniors who may need Medicaid coverage for long-term care, final expense insurance intersects with Medicaid planning in important ways. Understanding this relationship can help you avoid unintended consequences and preserve your coverage.
Medicaid has asset limits that applicants must meet to qualify for benefits. Life insurance is treated differently depending on its cash value. Here are the general rules – though specific rules vary significantly by state:
| Policy Type | Medicaid Treatment | Planning Consideration |
| Term Life Insurance (no cash value) | Not counted as an asset – does not affect Medicaid eligibility | Safe to hold during Medicaid spend-down period |
| Final Expense / Whole Life (low face value) | Face value under $1,500 typically not counted; above that, cash value may count as asset | Keep face value below state threshold or convert to irrevocable burial trust |
| Larger Whole Life (significant cash value) | Cash value counts as a countable asset against Medicaid limits | May need to be restructured or converted before Medicaid application |
| Irrevocable Burial Trust / Funeral Trust | Generally exempt from Medicaid asset counts in most states | Strong option for protecting funeral funds while qualifying for Medicaid |
An irrevocable burial trust – also called a funeral trust or prepaid funeral trust – is a special account that holds funds specifically designated for funeral and burial expenses. In most states, funds in an irrevocable burial trust are fully exempt from Medicaid asset calculations, meaning they do not count against the Medicaid eligibility threshold.
For seniors who are planning for Medicaid eligibility while also wanting to ensure funeral costs are covered, an irrevocable burial trust can be an effective complement to – or alternative to – a final expense insurance policy. The key difference is that an irrevocable burial trust holds liquid cash, while a final expense insurance policy provides a leveraged death benefit (you pay less in premiums than the benefit you receive).
This is a nuanced area of planning that depends heavily on your state’s specific Medicaid rules, your current asset levels and your health situation. OLPolicy recommends consulting with both a licensed insurance specialist and a Medicaid planning attorney if long-term care is a consideration for you.
These are the mistakes OLPolicy’s specialists see most frequently when reviewing clients’ existing estate situations – and how final expense insurance helps solve each one.
| Common Mistake | How Final Expense Insurance Helps |
| No liquid cash available at death – estate is all property and retirement accounts | Final expense insurance creates immediate, accessible cash for the family – bypassing probate and arriving within days of the claim. |
| Funeral costs paid from retirement accounts – triggering taxes and penalties | The death benefit covers funeral costs directly, so retirement accounts remain untouched and can be distributed to heirs without forced withdrawals. |
| Beneficiary designations not updated after divorce, remarriage, or death of a named beneficiary | Final expense policies allow beneficiary changes at any time – regular reviews ensure the right person always receives the benefit. |
| No will in place – assets distributed by state intestacy law rather than personal wishes | While final expense insurance does not replace a will, it ensures the death benefit goes exactly where intended regardless of probate complications. |
| Estate forced into probate due to no trust and no joint ownership structures | Final expense insurance always bypasses probate when a living beneficiary is named – providing immediate relief regardless of the estate’s probate status. |
| Unequal inheritance creating family conflict over non-divisible assets | A life insurance policy can equalize distributions – giving one heir the property and another an equivalent cash benefit. |
| Funeral costs paid by credit card, creating debt the family must manage while grieving | The death benefit is available within days – before credit card debt accumulates – and covers the funeral home directly. |
| Minor grandchildren named as beneficiaries – funds cannot be distributed directly to minors | Proper beneficiary planning through OLPolicy ensures funds are directed to a trustee or adult who manages them appropriately for minor heirs. |
Use this checklist to evaluate where your estate plan currently stands and identify gaps that need to be addressed. A complete estate plan should include all of the following elements:
| Step 1: Execute a Last Will and Testament
Your will should be in writing, signed in front of witnesses and notarized according to your state’s requirements. It should name an executor, specify how assets are to be distributed and – if you have minor dependents – name a guardian. Store the original in a safe place and make sure your executor knows where to find it. |
| Step 2: Establish a Durable Power of Attorney
Name a trusted person to manage your financial affairs if you become incapacitated. Without this document, your family must go to court to obtain guardianship – a costly and time-consuming process that can be entirely avoided with a properly executed power of attorney. |
| Step 3: Execute a Healthcare Proxy and Advance Directive
Name a healthcare proxy to make medical decisions on your behalf and document your specific wishes about end-of-life care, life support and resuscitation. These documents protect you and relieve your family of having to make impossible decisions under pressure. |
| Step 4: Review and Update All Beneficiary Designations
Review the beneficiary designations on all financial accounts, retirement plans and life insurance policies. Confirm that primary and contingent beneficiaries are correctly named using full legal names. Check that designations reflect your current family situation – especially after marriage, divorce, or the death of a previously named beneficiary. |
| Step 5: Purchase Final Expense Insurance
Ensure you have a final expense insurance policy in place to cover funeral costs, final medical bills and other end-of-life expenses. The policy should have a fixed, level premium, a death benefit sized to your anticipated expenses ($10,000 to $25,000 for most seniors) and a properly named beneficiary. This single step protects your estate from liquidation at the moment it is most vulnerable. |
| Step 6: Organize and Document All Important Records
Create a master document that lists: all insurance policies and their policy numbers, all financial accounts and institutions, the location of your will and other estate documents, contact information for your attorney and financial advisor and the names and contact details of your beneficiaries. Share this document with your executor and your beneficiaries. |
| Step 7: Consider a Revocable Living Trust (If Appropriate)
If you own real property, have a more complex estate, or want to ensure maximum privacy and avoid probate entirely, consult with an estate planning attorney about a revocable living trust. For seniors with simpler estates, a well-structured will plus beneficiary designations may be sufficient. |
| Step 8: Review Your Plan Every Three to Five Years
Estate plans become outdated. Tax laws change, family circumstances change and your assets change. Review your entire plan every three to five years – or immediately after any major life event – to ensure everything still reflects your current wishes and situation. |
| Scenario 1 – The Henderson Family: Protecting a Home From Forced Sale
Margaret Henderson, 78, owns her home outright. Her only significant liquid asset is $12,000 in savings. Her two sons are her heirs. When Margaret passed away, her estate had no life insurance and no liquid assets beyond the $12,000 savings. The funeral cost $9,400 – consuming nearly all of her liquid savings. Her home went through probate for 11 months. Court and attorney fees consumed an additional $14,000 from the estate. Her sons ultimately received far less than the home’s appraised value. If Margaret had purchased a $15,000 final expense policy for $94 per month, the funeral would have been paid from the insurance benefit. Her $12,000 savings and her home would have passed to her sons intact. The probate delay would have remained, but the financial damage would have been avoided entirely. |
| Scenario 2 – The Patel Family: Coordinated Beneficiaries Saving the Estate
Raj Patel, 71, had a will leaving everything to his wife, Priya and a final expense policy naming his brother as beneficiary – a designation he had set up years earlier and never updated after his marriage. When Raj passed, Priya received the probate estate as directed by the will. His brother received the $18,000 insurance benefit – money that Raj had always intended for Priya. This was not fraud. It was simply an outdated beneficiary designation that had never been reviewed. Priya had to absorb the funeral costs from the probate estate while waiting for it to settle. The $18,000 insurance benefit that could have covered those costs immediately went to Raj’s brother. This scenario illustrates exactly why reviewing beneficiary designations after every major life change is one of the most important estate planning actions a senior can take. |
| Scenario 3 – The Thompson Family: Final Expense Insurance as the Cornerstone of a Complete Plan
Dorothy Thompson, 69, came to OLPolicy after attending a community estate planning seminar. She had no will, no power of attorney and no life insurance. She owned her home, had $22,000 in a savings account and had three grandchildren she wanted to leave something to. Over the following six months, working with OLPolicy and a local estate planning attorney, Dorothy executed a will, a durable power of attorney and a healthcare directive. She purchased a $20,000 final expense policy naming her eldest daughter as primary beneficiary. She updated her savings account to payable-on-death to her three grandchildren in equal shares. Dorothy told us: “I used to think estate planning was for rich people. Now I understand it is for anyone who loves their family and wants to take care of them.” Her complete plan cost less than $150 per month in insurance premiums and a one-time attorney fee of approximately $800. |
Q: Is the death benefit from a final expense insurance policy subject to estate taxes?
A: Federal estate taxes apply only to estates valued above $12.92 million as of 2024 – a threshold the vast majority of seniors never approach. For most families, the death benefit from a final expense policy is both income-tax-free to the beneficiary and estate-tax-exempt. However, if the policy is owned by the estate rather than an individual, it may be included in the taxable estate. Consult an estate planning attorney if your estate is large enough for this to be a concern.
Q: Can creditors claim the death benefit from my final expense insurance policy?
A: If the death benefit is paid directly to a named individual beneficiary – not to your estate – it is generally protected from your creditors. However, if no living beneficiary is named and the benefit falls into your estate, creditors may have claims against it. This is another important reason to always name a living person as your beneficiary rather than your estate.
Q: Should I name my trust as the beneficiary of my final expense insurance policy?
A: This depends on your estate plan. Naming a trust as beneficiary can be useful if you have specific distribution instructions, minor beneficiaries, or special needs beneficiaries. However, for the immediate purpose of paying funeral costs quickly, naming an individual directly is usually faster and simpler. Discuss the right approach for your specific situation with your estate planning attorney and your OLPolicy specialist.
Q: What happens to my final expense insurance policy if I move to another state?
A: Your policy remains in force when you move to another state – insurance policies do not expire or become invalid due to relocation. However, some policy terms may be governed by the laws of the state where the policy was issued. Notify your insurance company of your new address and confirm that your beneficiary designations still reflect your current wishes. Call OLPolicy at (866) 757-5350 if you have any concerns about your coverage after a move.
Q: My spouse and I both want final expense coverage – should we get separate policies?
A: Yes – separate policies are strongly recommended. Each policy names the other spouse (or another family member) as beneficiary. If you hold a joint policy, questions about who is the insured and who is the beneficiary can create complications at death. Separate policies are also more flexible – you can adjust coverage amounts, beneficiaries and premiums independently as your circumstances change. Call OLPolicy at (866) 757-5350 and we will help you structure both policies efficiently.
Estate planning and final expense insurance are not two separate conversations. They are two parts of the same commitment – the commitment to taking care of your family before, during and after the hardest moments of their lives. A will protects your wishes. A power of attorney protects your affairs when you cannot manage them yourself. And final expense insurance protects your estate from the immediate financial shock of death – providing cash when your family needs it most, without delay, without probate and without reducing the assets you spent a lifetime building.
The good news is that putting both pieces in place – a complete estate plan and a final expense insurance policy – is far more accessible and affordable than most seniors realize. A basic estate plan costs a few hundred dollars in attorney fees. A final expense policy starts at $30 to $40 per month. Together, they give your family the clarity, the protection and the financial security they deserve.
OLPolicy is here to help you with the insurance side of that equation – finding the right coverage from the right carrier at the right price and making sure your policy is properly integrated with your broader estate plan. We work with seniors every day who want to do right by their families and we take that responsibility seriously.
| Take the First Step Today – Call OLPolicy
Our licensed insurance specialists are ready to help you find the right final expense coverage and talk through how it fits into your estate plan – at no cost and no obligation. Whether you are just beginning to plan or reviewing an existing policy, we are here to help. Call us today: (866) 757-5350 No medical exam required. No pressure. Just honest, clear guidance from people who put your family first. |
OLPolicy | Licensed Insurance Agency | (866) 757-5350 | www.olpolicy.com
Helping Families Protect What Matters Most
This content is for informational purposes only and does not constitute legal, tax, or financial advice. Estate planning laws vary by state. Consult a licensed estate planning attorney and a licensed insurance professional for advice specific to your situation.
