Frequently Asked Questions 
What is Final Expense Life insurance and how do I know if I need it?
For many people, a life insurance policy makes sure the people you leave behind don't have to struggle. Even if there are no dependants, Our final expense plan gives you an extra level of protection for your assets and can help cover your final expenses.
Is securing a Final Expense Plan from Senior Direct USA really as simple as it seems?
Yes. Senior Direct USA final expense plans are easy to qualify for as long as you meet our age requirements. Policy issue ages are 0-85. There are no health exams and applying is easy! All you have to do is answer a few health questions and qualification is easy even if you have been turned down in the past. Once you are approved and your policy is issued, you are fully covered under the terms of your insurance as long as you pay the premiums on time.
I already have a good life insurance policy, is additional insurance necessary?
Our plan is not designed to replace any insurance coverage you may currently have. What it can do, is allow your family to use your current insurance as originally planned, then provide your loved ones with up to $20,000 extra to help out during one of life’s most difficult times.
Does this final expense plan just help pay for funeral expenses?
Our final expense plan is just a way to help your family pay for your funeral costs. This affordable coverage also lets beneficiaries use the benefits to cover medical costs, lost wages, or even to maintain a certain standard of living. This kind of protection can also be a good supplement to an existing life insurance policy.
How much does the insurance cost?
The amount of your monthly premium is determined by the amount of coverage you selected, your age and gender. You only pay for the amount you select.
Who would get the money paid by my insurance?
Benefits are paid directly to the Beneficiary when the Insured dies. The Beneficiary is named in the application and may be changed. If no Beneficiary is named, the Death Benefit will be paid to the Insured’s estate.
When does the Beneficiary receive benefits?
We generally pay our claims within 24 hours once we are in receipt of all necessary paperwork. We pride ourselves in having the fastest claim service in America!
May I have more than one beneficiary?
Yes, if more than one beneficiary is named, proceeds will be split equally among the named beneficiaries unless otherwise indicated. Benefits can be designated in varying amounts.
Are the death benefits taxable?
The benefit is paid tax-free to a beneficiary. If no beneficiary is named, the benefit will be paid directly to the estate and may be subject to estate taxes.
There Is no medical exam required prior to obtaining coverage.
Only answer a few simple health questions to qualify for coverage.
Will the premium amount increase over time?
No, you will never pay more than your current rate.
Does the policy accumulate a cash value?
As you pay your premiums, your policy accumulates cash value that can provide added money to use in emergency situations. Cash values for each Policy Year depend upon the time elapsed and premiums paid.
Why is the premium on this insurance higher than on other policies I have had for years?
The difference in price could be due to the difference in your current age. Insurance premiums are based on your age. Another reason may be that you have a Term Life Insurance instead of Whole Life Insurance. Whole Life insurance provides that you pay a fixed premium, instead of the increasing premiums found on renewable term life insurance policies.
What if I change my mind after applying?
If you’re not satisfied for any reason, simply give us a call within 30 days of receiving your insurance policy. We will gladly refund any premiums you’ve paid and cancel your policy.
Can I really apply right over the phone?
Yes. Everything is done right over the phone. Applying is simple and easy, a voice application is done over the phone and recorded for your protection.