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Aflac Final Expense Plan
Financial Protection for Your Family … Simple
An Aflac Final Expense Whole Life Insurance plan is a thoughtful and dependable way to help protect your loved ones from financial stress during one of life’s most difficult times. This permanent life insurance policy is designed to cover funeral costs, medical bills, and other end-of-life expenses—providing a guaranteed cash benefit to your family when it’s needed most. Aflac offers both **Level** and **Modified** plan options, allowing you to choose the coverage that best fits your needs and budget. Over time, your policy builds **cash value** you can borrow against if needed, and your **premiums never increases**. You can enhance your protection with optional **riders**, such as the _Accelerated Death Benefit Rider_ (which allows early access to funds in the case of terminal illness), an _Accidental Death Benefit Rider_ (which doubles your benefit in the event of accidental death), and a _Children’s Term Rider_ (providing coverage for children or grandchildren). With Aflac, you can ensure your family is cared for financially, giving them peace of mind and the ability to focus on celebrating your life—not worrying about expenses.
Frequently Asked Questions
How long does it take to apply?
The life insurance application process will depend on the type of policy you choose. Some policies require you to complete a health questionnaire and may also require a short paramedical exam, which can include basic measurements and blood or urine testing. Approval can take anywhere from a couple of weeks to a couple of months depending on the insurance company, your health history, and how quickly any requested information is completed. If you want a faster and simpler application process, ask your local agent about simplified issue life insurance. These plans typically require only a few health questions and no medical exam, although premiums may be higher or coverage amounts may be more limited.
How much of a death benefit do I need?
The right amount of life insurance depends on what you want the policy to accomplish for your family. Some people purchase enough coverage to pay off a mortgage or other major debts, while others want to replace several years of income so their spouse and children can continue paying everyday expenses. You may also want to consider funeral expenses, childcare, education costs, and other financial responsibilities your family would have if you were no longer there to provide for them. There is no single amount that is right for everyone, so talk with one of our local agents and we can help you determine an amount of coverage that fits your family's needs and budget.
What is the 'term' of my life insurance plan?
With term life insurance, the term is the period of time your policy provides a set amount of life insurance coverage at a guaranteed premium. Common terms include 10, 20, and 30 years, although other term lengths may be available depending on the insurance company and your age. For example, with a 20-year level term policy, your premium and death benefit generally remain the same for those 20 years. Once the term ends, your coverage may end, renew at a higher rate, or provide other options depending on the specific policy. Your local agent can help you understand exactly how long your rate and coverage are guaranteed before you enroll.
What are "living benefits?"
Some life insurance policies offer living benefits, which may allow you to access a portion of your life insurance benefit while you are still alive if you experience a qualifying medical condition. Depending on the policy, benefits may be available for situations such as a critical illness, chronic illness, or terminal illness. The money can help with medical expenses, lost income, mortgage payments, everyday bills, or other financial needs during a difficult time. The amount available, qualifying conditions, and cost of living-benefit riders vary by policy, so be sure to review the specific benefits with your agent.
How do I get my policy?
Once your life insurance application has been approved and you have accepted the coverage, the insurance company will provide your official policy documents. Depending on the carrier, your policy may be delivered electronically, by mail, or both. These documents include important details about your coverage, death benefit, premiums, beneficiaries, exclusions, riders, and other policy provisions. We recommend keeping a copy in a safe place and making sure your beneficiary knows where to find your policy information.
Premium Payments
Your premium is the amount you pay to keep your life insurance coverage active. Depending on the policy, premiums may be paid monthly, quarterly, semi-annually, or annually. Your first premium is generally required before your coverage becomes effective, so it is important to make sure the payment is successfully processed. Payment options vary by insurance company and may include a bank account, debit card, or credit card. Keeping your premiums current is extremely important because missed payments can cause your life insurance coverage to lapse. If you ever need help updating your payment information or have questions about your premium, contact our office and we'll be happy to help.
Full Summary of Benefits and Helpful Links
Official plan documents, including the Summary of Benefits and Coverage (SBC) and insurance policy, provide more detailed information about how your health plan works, including deductibles, copays, coinsurance, covered services, and other important benefits. You can also use the provider search links to check which doctors, specialists, hospitals, and other healthcare facilities participate in the plan’s network. We recommend reviewing these resources when comparing plans so you can better understand your coverage, expected costs, and whether the doctors and facilities you prefer are included.
Helpful Links
Schedule a consultation with a local health insurance agent
Insurance doesn’t have to be confusing, and you don’t have to figure it out on your own. Our local Utah Avenue Insurance agents are here to help you compare your options, understand your benefits, and find coverage that fits your healthcare needs and your budget. We can help with Marketplace and private health insurance, Medicare Advantage and Medicare Supplements, dental, vision, life insurance, accident coverage, and more. Meet with us in person, virtually, or over the phone—whatever is easiest for you. Best of all, there is no cost to work with one of our agents, so schedule your consultation today and let us help you find the right coverage with confidence.
The plan benefits, costs, copays, deductibles, networks, and other information shown on this page are provided for general informational purposes and may change. Utah Avenue Insurance makes every effort to provide accurate and up-to-date information; however, the insurance carrier’s official policy documents, Summary of Benefits and Coverage (SBC), and other plan documents will always govern your coverage. Provider networks and prescription drug formularies may also change, so we recommend verifying your doctors, hospitals, and medications before enrolling. If you have questions about a benefit or cost, please contact a Utah Avenue Insurance agent and we’ll be happy to help you review the plan details.