{"id":809,"date":"2020-01-13T11:20:06","date_gmt":"2020-01-13T11:20:06","guid":{"rendered":"http:\/\/localhost:8000\/?page_id=809"},"modified":"2020-01-13T11:20:06","modified_gmt":"2020-01-13T11:20:06","slug":"rapidecision-final-expense-insurance","status":"publish","type":"page","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=809","title":{"rendered":"RAPIDecision\u00ae Final Expense"},"content":{"rendered":"<section class=\"migrated-section row-0\">\n<div class=\"acf-field stream_0_circles_theme_generated_in_functions\">default<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 0 &#8211; Not found in Media XML]<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2020\/01\/85c87498-rdfinalexpense_hero.jpg\" alt=\"stream_0_mobile_image\" class=\"migrated-media id-2860\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/03\/ab88156b-rdfe_header.jpeg\" alt=\"stream_0_desktop_image\" class=\"migrated-media id-648528\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_0_style\">style-blue<\/div>\n<div class=\"acf-field stream_0_title\"><em><strong>RAPID<\/strong><\/em>ecision<sup>\u00ae<\/sup> Final Expense Insurance<\/div>\n<p><a href=\"#get-quote\" target=\"\" class=\"acf-link\">Get My Quote<\/a><\/p>\n<div class=\"acf-field stream_0_eyebrow\">FINAL EXPENSE<\/div>\n<div class=\"acf-field stream_0_description\">Ensure end-of-life expenses, ranging from medical bills to funeral costs, are covered with final expense plans. Easy application and fast approval.<\/div>\n<div class=\"acf-field stream_0_page\">Default<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-1\">\n<div class=\"acf-field stream_1_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_1_style\">info-white<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/assets.fidelitylife.com\/uploads\/2019\/09\/icon-info.svg\" alt=\"stream_1_icon\" class=\"migrated-media id-340\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_1_small_icon_holder\">0<\/div>\n<div class=\"acf-field stream_1_title\">Is funeral insurance a good fit for me?<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-2\">\n<div class=\"acf-field stream_2_remove_padding\">0<\/div>\n<div class=\"acf-field stream_2_circles_theme_generated_in_functions\">content_short<\/div>\n<div class=\"acf-field stream_2_add_table_of_contents\">0<\/div>\n<p class=\"acf-field stream_2_text\">\n<ul class=\"box-list\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li>You are between the ages of 50-85.<\/li>\n<li>You are interested in coverage amounts between $5,000 and $40,000.<\/li>\n<li>You are looking to lessen the burden of expenses from medical and funeral costs or credit card debt.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><\/h2>\n<h2 style=\"text-align: left;\">What is a final expense policy?<\/h2>\n<p style=\"text-align: left;\"><strong><em>RAPID<\/em><\/strong>ecision\u00ae Final Expense provides up to $40,000 of coverage, with level premiums and coverage for the life of your policy. Our Rapid App underwriting process means quick policy approval typically\u00a0comes in days, not months. There&#8217;s no waiting period.\u00a0Upon approval, your full coverage begins immediately. No medical exam is required. Approval depends on the answers to a few health questions on the application and results from certain database records, like motor vehicle reports.<\/p>\n<p style=\"text-align: left;\">The death benefit can be used for final expenses including end-of-life and burial costs. The death benefit can also be used for other expenses, such as credit card debt or outstanding medical bills.\u00a0As a type of permanent whole life insurance, the policy provides for the accumulation of cash value.<\/p>\n<p style=\"text-align: left;\">Want to apply for final expense coverage with no medical exam? Explore <a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-guaranteed-issue-life-insurance\/\" target=\"_blank\" rel=\"noopener\"><strong><em>RAPID<\/em><\/strong>ecision\u00ae Guaranteed Issue<\/a>.<\/p>\n<p style=\"text-align: left;\"><a class=\"button\" href=\"#get-quote\">START MY QUOTE<\/a><\/p>\n<h2 style=\"text-align: left;\">Why choose <i>RAPID<\/i>ecision\u00ae Final Expense?<\/h2>\n<ul>\n<li><b>Affordable premiums:<\/b> With lower coverage amounts, ranging from $5,000 to $40,000, final expense policies are typically one of the most affordable types of permanent life insurance available.<\/li>\n<li><b>Quick approval:<\/b> Unless you\u2019re dealing with serious health concerns, it\u2019s quick and easy to get approved with your insurance company. In some cases, your coverage can even start the same day you apply.<\/li>\n<li><b>No medical exam:<\/b> Get approved and covered from the comfort of your home \u2013 no need to schedule an exam or wait for test results.<\/li>\n<\/ul>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-3\">\n<div class=\"acf-field stream_3_circles_theme_generated_in_functions\">content_short<\/div>\n<div class=\"acf-field stream_3_add_table_of_contents\">0<\/div>\n<p class=\"acf-field stream_3_text\">\n<h2>How does burial insurance work?<\/h2>\n<p style=\"text-align: left;\">When you\u2019re younger, you may buy life insurance to protect your family during big life changes, such as raising young children or buying a house, in case the worst happens.<\/p>\n<p style=\"text-align: left;\">As you get older, you may no longer have these financial obligations. But there\u2019s still one big expense that everyone has to plan for eventually: their funeral.<\/p>\n<p style=\"text-align: left;\">That\u2019s where final expense insurance comes in. Also called funeral insurance or burial insurance, final expense life insurance was created for older adults to help cover the costs of a final sendoff, so their family doesn\u2019t have to. These costs can be significant.<\/p>\n<p style=\"text-align: left;\">Final expense can help bring peace of mind to grieving loved ones. Here\u2019s how it works:<\/p>\n<ul>\n<li><strong>Apply and buy.<\/strong> Final expense insurance is designed for those between 50 and 85. If you\u2019re in that age range, it\u2019s generally easy to apply and get approved. If you aren\u2019t sure how much coverage you need, our expert agents are here to walk you through the process. Fidelity Life\u2019s <strong><em>RAPID<\/em><\/strong>ecision\u00ae Final Expense policy doesn\u2019t require a medical exam; you\u2019ll just be asked a few health questions when you apply. This allows for a quick decision, so you can get covered right away.<\/li>\n<li><strong>Enjoy peace of mind.<\/strong> Once you\u2019re approved, you\u2019ll need to pay regular premiums to ensure that your policy stays active. Since final expense coverage amounts are lower than traditional life insurance, usually between $5,000 and $40,000, it\u2019s an affordable choice for many families. <strong><em>RAPID<\/em><\/strong>ecision\u00ae Final Expense is a type of <a href=\"\/life-insurance\/permanent-life-insurance\/\">permanent insurance<\/a>, which means it lasts your entire life as long as you keep making payments. With final expense, you can feel confident that your family and final costs will be taken care of.<\/li>\n<li><strong>Protect your family.<\/strong> When you die, your family receives a tax-free lump sum payout based on the coverage amount you\u2019ve purchased in your burial insurance policy. They can use it however they wish: for funeral costs, medical bills, leftover debts, or to help you leave a legacy. You also have the option of naming a funeral home as your policy beneficiary. In that case, the payout would go directly to the facility to cover any funeral or burial costs. <a href=\"\/life-insurance-basics\/life-insurance-101\/how-to-choose-a-life-insurance-beneficiary\/\">Learn more about choosing a beneficiary<\/a>.<\/li>\n<\/ul>\n<h2>Can you get burial insurance with no waiting period?<\/h2>\n<p>You can get a RAPIDecision\u00ae Final Expense policy with no waiting period. A burial insurance policy through Fidelity Life is an affordable way to secure coverage that helps loved ones pay for end-of-life expenses. With a RAPIDecision\u00ae Final Expense policy, you can get covered in a matter of days, not weeks or months. Once you&#8217;re approved, coverage is effective immediately.<\/p>\n<section class=\"page-content block block-page-content\" style=\"margin: 0; padding: 0; background: #f3f6f8;\" tabindex=\"-1\">\n<div class=\"page-content-inner\" style=\"text-align: center;\"><img decoding=\"async\" style=\"display: block; width: 100%; max-width: 800px; margin: 0;\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/07\/0851074f-seniors_sectimg.jpg\" alt=\"Couple smiling on a boat\" \/><\/p>\n<h2 style=\"margin: 0;\"><span id=\"life-insurance-for-seniors\">Find a policy that works for you<\/span><\/h2>\n<p style=\"margin: 0; padding: 0 50px;\">There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.<\/p>\n<div class=\"preview-section-button\"><a class=\"site-link button purple\" style=\"color: #ffffff; text-decoration: none;\" href=\"#get-quote\"> Get Started <\/a><\/div>\n<\/div>\n<\/section>\n<h2>Is burial insurance right for me?<\/h2>\n<p>The average funeral costs around <a href=\"https:\/\/nfda.org\/news\/statistics#\" target=\"_blank\" rel=\"noopener\">$8,000 or more<\/a>, a hefty bill that your family may not be prepared to meet. Expenses like caskets and your preference for a burial or cremation can affect the final amount.<\/p>\n<p>If you\u2019re looking for a funeral insurance policy specifically to help cover these end-of-life costs, RAPIDecision<span style=\"vertical-align: super;\">\u00ae <\/span>Final Expense is likely a good fit. As a type of permanent insurance, it typically costs more than a term life policy, but lower coverage amounts keep it budget-friendly.<\/p>\n<p>Unlike most permanent plans, RAPIDecision<span style=\"vertical-align: super;\">\u00ae <\/span> Final Expense has a quick and easy approval process, no medical exam required. You\u2019ll just be asked to fill out a health questionnaire as part of your application.<\/p>\n<p style=\"text-align: left;\">Trying to decide if <strong><em>RAPID<\/em><\/strong>ecision<span style=\"vertical-align: super;\">\u00ae <\/span> Final Expense is the right choice? Here are a few questions to consider:<\/p>\n<ul>\n<li><strong>Do you have enough saved to cover final expenses?<\/strong> It can be hard to set aside enough money for a funeral. Final expense insurance is an affordable way to make sure that coverage is there when you need it and help you cover unforeseen expenses, like medical bills or leftover debt.<\/li>\n<li><strong>Do you have any major health issues?<\/strong> Final expense doesn\u2019t require a medical exam, but you\u2019ll still be asked about your health, any major illnesses, chronic conditions, and family medical history. You don\u2019t need to be in perfect health to qualify, but if you have serious health issues, like cancer, heart disease, or severe diabetes, it could impact your eligibility and rates. If you&#8217;re concerned that your health may affect your approval, <a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-guaranteed-issue-life-insurance\/\"><strong><em>RAPID<\/em><\/strong>ecision<span style=\"vertical-align: super;\">\u00ae <\/span> Guaranteed Issue<\/a> Life might be a better fit.<\/li>\n<li><strong>Do you need more coverage?<\/strong> If you\u2019re still paying off a mortgage or have a spouse, children, or other family depending on your income, a term life policy may be the better option. Our <a href=\"\/life-insurance\/term-life-insurance\/rapidecision-life\/\"><strong><em>RAPID<\/em><\/strong>ecision<span style=\"vertical-align: super;\">\u00ae <\/span>Life Term Life<\/a> policy offers flexible insurance for extra peace of mind. You can apply up to age 65 for between $50,000 and $2 million in coverage.<\/li>\n<\/ul>\n<p>In general, final expense is a good choice for older adults who just need to cover those final expenses.<\/p>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-4\">\n<div class=\"acf-field stream_4_display_single\">0<\/div>\n<div class=\"acf-field stream_4_enable\">1<\/div>\n<div class=\"acf-field stream_4_circles_theme_generated_in_functions\">theme_19<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-5\">\n<div class=\"acf-field stream_5_enable\">1<\/div>\n<div class=\"acf-field stream_5_circles_theme_generated_in_functions\">theme_28<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-6\">\n<div class=\"acf-field stream_6_heading\">Questions about burial insurance<\/div>\n<div class=\"acf-field stream_6_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"migrated-grid repeater-features\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_6_features_0_title\">Find out how much coverage you need<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/assets.fidelitylife.com\/uploads\/2019\/08\/calculator.svg\" alt=\"stream_6_features_0_icon\" class=\"migrated-media id-99\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_6_features_0_use_post_from_blog\">0<\/div>\n<div class=\"acf-field stream_6_features_0_description\">Calculate your life insurance coverage needs<\/div>\n<p><a href=\"https:\/\/fidelitylife.com\/life-insurance-calculator\/term-life-insurance-calculator\/\" target=\"\" class=\"acf-link\">Learn More<\/a>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-7\">\n<div class=\"acf-field stream_7_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_7_use_alphabetical_index\">0<\/div>\n<div class=\"migrated-grid repeater-list\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_7_list_0_title\">\n<h3>What\u2019s the difference between final expense insurance and other life insurance products?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_0_content\">Life insurance policies with larger coverage amounts are meant to help cover ongoing financial responsibilities for your family so they maintain the quality of life you worked hard to achieve. These expenses may include a mortgage, college for children, as well as replacing lost income.<\/p>\n<p>Final expense insurance offers smaller coverage amounts that can help with medical and end-of-life costs, as well as funeral expenses. It can also be used to pay off credit card bills or other debts. For more mature or retired adults who aren&#8217;t looking to replace lost income, but are looking to lessen the burden on friends and family when they pass, final expense insurance can provide that peace of mind.<\/p><\/div>\n<\/div>\n<div class=\"migrated-card card-1\">\n<div class=\"acf-field stream_7_list_1_title\">\n<h3>How much funeral insurance do I need?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_1_content\">While you might not have large financial responsibilities any longer, funerals can still add up. It\u2019s important to make sure you have enough to cover all the expenses, which can include:<\/p>\n<ul>\n<li>Burial or cremation<\/li>\n<li>Casket, urn, or other receptacle<\/li>\n<li>Flowers<\/li>\n<li>Cost to rent funeral home<\/li>\n<li>Embalming services<\/li>\n<li>Funeral home fees and paperwork<\/li>\n<\/ul>\n<p>You also might want to set some money aside for other expenses, such as music, food, or a traditional church service. If you&#8217;d prefer a small ceremony in a separate location where loved ones can scatter your ashes, consider associated costs like travel and accommodation.<\/p>\n<p>Beyond the cost of your funeral, some other end-of-life costs to consider include:<\/p>\n<ul>\n<li>Medical bills<\/li>\n<li>Credit card\/other debts<\/li>\n<li>Money for spouse to live on<\/li>\n<li>Leaving a legacy<\/li>\n<\/ul>\n<p>If you&#8217;re still looking at other options, don&#8217;t forget that:<\/p>\n<ul>\n<li>Wills take a while to read and act on. If you hoped that your estate could cover funeral costs, you might end up putting loved ones in a financial bind.<\/li>\n<li>Social Security death benefits may be useful, but they&#8217;re not nearly enough to pay for most funerals.<\/li>\n<\/ul>\n<p>Consider your current savings and assets before applying for a final expense policy. Once you&#8217;ve added those up, the difference between those assets (savings, income, investments, etc.) and any end-of-life expenses is the coverage amount you should consider buying. Our agents can help you find the right coverage level for your needs.<\/p><\/div>\n<\/div>\n<div class=\"migrated-card card-2\">\n<div class=\"acf-field stream_7_list_2_title\">\n<h3>What can be considered a final expense?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_2_content\">Final expenses can include medical costs, end-of-life care, and funeral services including burial and cremation. However, the death benefit can be used flexibly for whatever the beneficiaries decide. Credit card bills and other existing debts can be paid off using a final expense death benefit.<\/div>\n<\/div>\n<div class=\"migrated-card card-3\">\n<div class=\"acf-field stream_7_list_3_title\">\n<h3>How can I use my final expense policy as funeral insurance?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_3_content\">Many people choose a family member they trust as a beneficiary to take care of funeral costs.<\/p>\n<p>If your spouse has passed away and you have no close relatives, though, it may make more sense to name your funeral home. This means your preferred funeral home would be the primary beneficiary of your policy payout. You can also name someone else as your secondary beneficiary to receive any money that remains after your funeral.<\/p>\n<p>In this situation, the funeral home would receive the payout first when you die to cover your funeral costs and the rest would go to your secondary beneficiary.<\/p>\n<p>You can usually arrange this ahead of time with your funeral home, but keep in mind that this is not an option for every facility. Some funeral homes require upfront payment and won\u2019t accept other arrangements.<\/p><\/div>\n<\/div>\n<div class=\"migrated-card card-4\">\n<div class=\"acf-field stream_7_list_4_title\">\n<h3>Can my final expense policy expire?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_4_content\"><strong><em>RAPID<\/em><\/strong>ecision<span style=\"vertical-align: super;\">\u00ae <\/span> Final Expense is a permanent life insurance policy. As long as the premium is paid, the policy is in force and your insurance coverage remains fully intact.<\/div>\n<\/div>\n<div class=\"migrated-card card-5\">\n<div class=\"acf-field stream_7_list_5_title\">\n<h3>Who needs a burial insurance policy?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_5_content\">Retired or more mature adults between the ages of 50-85 looking to supplement their existing life insurance or ensure final costs are taken care of may be interested in final expense insurance.<\/p>\n<p>Remember costs go up as you get older, so if you anticipate needing a final expense policy, it&#8217;s better to get covered sooner than later.<\/p><\/div>\n<\/div>\n<div class=\"migrated-card card-6\">\n<div class=\"acf-field stream_7_list_6_title\">\n<h3>How does <strong><em>RAPID<\/strong><\/em>ecision\u00ae Final Expense work?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_6_content\">Our innovative Rapid App process allows us to offer affordable, high-coverage policies right away to many of our customers. Approval depends on the answers to health questions on the application and results from public database sources, like Motor Vehicle Registration (MVR).<\/p>\n<p>Policy issuance for\u00a0<strong><em>RAPID<\/em><\/strong>ecision<span style=\"vertical-align: super;\">\u00ae <\/span>Final Expense does not require a medical examination. Upon approval, full coverage begins immediately and your premiums and coverage amounts are guaranteed to stay the same for the life of the policy.<\/div>\n<\/div>\n<div class=\"migrated-card card-7\">\n<div class=\"acf-field stream_7_list_7_title\">\n<h3>Why should I choose Fidelity Life for burial insurance?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_7_content\">Fidelity Life is committed to helping you find the right life insurance. For more than 100 years, we\u2019ve been helping everyday people like you get the life insurance you need and the peace of mind you deserve. Our mission is to work with you throughout your life. Whether just starting out, raising your children, or getting ready to enjoy retirement, we design products with families like yours in mind.<\/p>\n<p>You can feel confident we\u2019ll be there for your loved ones because we carry an A+ rating from the Better Business Bureau, as well as an A- rating (Excellent) from A.M. Best Company, the oldest and most widely recognized provider of ratings for the insurance industry.<\/p>\n<p>Our commitment to our customers, and their families, shows up in our innovative products and our top-notch customer service.<\/p><\/div>\n<\/div>\n<div class=\"migrated-card card-8\">\n<div class=\"acf-field stream_7_list_8_title\">\n<h3>Will I need a medical exam to get funeral insurance?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_8_content\">Fidelity Life&#8217;s\u00a0<strong><em>RAPID<\/em><\/strong>ecision<span style=\"vertical-align: super;\">\u00ae <\/span>Final Expense is a simplified issue product, meaning it does not require a medical exam for policy issuance. Your approval is based on answer to health questions and results from public database sources, like Motor Vehicle Registration (MVR).<\/div>\n<\/div>\n<div class=\"migrated-card card-9\">\n<div class=\"acf-field stream_7_list_9_title\">\n<h3>Why would I choose permanent life insurance?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_9_content\">While it is often more expensive than term life insurance options, many people choose permanent life insurance for a variety of reasons. A permanent life insurance policy doesn&#8217;t expire. If your premiums continue to be paid, your policy stays in force your entire lifetime. This locks in both coverage and cost from the time you start your policy. As you age, life insurance premiums usually increase. So, a term policy that expires would be replaced by potentially the same coverage amount but a higher premium because you are older. A permanent policy, like\u00a0<strong><em>RAPID<\/em><\/strong>ecision<span style=\"vertical-align: super;\">\u00ae <\/span> Final Expense, maintains level premiums.<\/p>\n<p>Customers may also want the option\u00a0of a policy that builds a cash value, which is possible through a permanent life insurance policy.<\/p><\/div>\n<\/div>\n<div class=\"migrated-card card-10\">\n<div class=\"acf-field stream_7_list_10_title\">\n<h3>Will my premium change with this permanent life insurance policy?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_10_content\">No. Your\u00a0<strong><em>RAPID<\/em><\/strong>ecision<span style=\"vertical-align: super;\">\u00ae <\/span> Final Expense policy is a permanent life insurance policy with a guaranteed level premium. As long as you pay your premium, your policy is in force and your premium will not change.<\/div>\n<\/div>\n<div class=\"migrated-card card-11\">\n<div class=\"acf-field stream_7_list_11_title\">\n<h3>Will my burial insurance policy build a cash value?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_11_content\">Your\u00a0<strong><em>RAPID<\/em><\/strong>ecision<span style=\"vertical-align: super;\">\u00ae <\/span>Final Expense policy is a permanent life insurance policy. With a permanent life insurance policy, the premium covers both the death benefit and the build up of a cash value. The longer you keep your policy, the more the cash value can build. If you choose to lapse your policy, for whatever reason, the cash value at the time of lapse is paid to you. You can use that cash value however you choose.<\/div>\n<\/div>\n<div class=\"migrated-card card-12\">\n<div class=\"acf-field stream_7_list_12_title\">\n<h3>Is everyone approved for final expense insurance?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_12_content\">Some health impairments are covered by\u00a0<strong><em>RAPID<\/em><\/strong>ecision<span style=\"vertical-align: super;\">\u00ae <\/span> Final Expense insurance, however it may not be appropriate for applicants with serious health issues or those with a limited life expectancy. However, once approved, coverage amounts are guaranteed for the life of the policy.<\/p>\n<p>If\u00a0<strong><em>RAPID<\/em><\/strong>ecision<span style=\"vertical-align: super;\">\u00ae <\/span>Final Expense is not a good fit due to health concerns, <a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-guaranteed-issue-life-insurance\/\"><strong><em>RAPID<\/em><\/strong>ecision<span style=\"vertical-align: super;\">\u00ae <\/span> Guaranteed Issue<\/a> does not require a medical examination nor answers to any health questions. As a result, the policy requires no underwriting and all applicants within the age requirement can be approved.<\/div>\n<\/div>\n<div class=\"migrated-card card-13\">\n<div class=\"acf-field stream_7_list_13_title\">\n<h3>How can I get started with a funeral insurance policy?<\/h3>\n<\/div>\n<div class=\"acf-field stream_7_list_13_content\">If you are interested in\u00a0<strong><em>RAPID<\/em><\/strong>ecision<span style=\"vertical-align: super;\">\u00ae <\/span> Final Expense, you can start your quote <a href=\"#get-quote\">here<\/a>.<\/div>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-8\">\n<div class=\"acf-field stream_8_enable\">1<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-9\">\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/10\/4d2ae549-callin_slider_img.png\" alt=\"stream_9_image\" class=\"migrated-media id-649983\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_9_content\">\n<div class=\"slider-text\">\n<p>A LICENSED AGENT IS AVAILABLE NOW!<\/p>\n<div class=\"slider-navigation-phone slider-phone-text\"><a href=\"tel: 1-844-486-2054\">CALL 1-844-486-2054<\/a><\/div>\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>default [MISSING IMAGE ID: 0 &#8211; Not found in Media XML] style-blue RAPIDecision\u00ae Final Expense Insurance Get My Quote FINAL EXPENSE Ensure end-of-life expenses, ranging from medical bills to funeral costs, are covered with final expense plans. Easy application and fast approval. Default default info-white 0 Is funeral insurance a good fit for me? 0 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":782,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-809","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RAPIDecision\u00ae Final Expense Insurance | Fidelity Life<\/title>\n<meta name=\"description\" content=\"Final expense insurance is permanent life insurance policy with no waiting period that covers end-of-life expenses like funerals and burial.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RAPIDecision\u00ae 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