About Diligent Healthcare Solutions
At Diligent Healthcare Solutions, we specialize in identifying the ideal final expense plan tailored to your needs, priorities, and family circumstances. Our independent agents represent over 20 leading insurance providers, enabling us to shop around for the best rates and coverage options for you. This approach saves you the time and effort of reaching out to multiple insurance companies individually. You will be connected with a dedicated local specialist who is committed to securing the best coverage for your unique situation.
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It Starts With You
We get it...discussing life insurance can be an uncomfortable topic. However, it's important to recognize that tomorrow is not guaranteed. If something were to happen unexpectedly, do you and your family have a plan in place? A final expense policy can provide a death benefit that covers funeral expenses and medical bills – taking some of the financial stress away from your family. Additionally, these policies build cash value, enabling you to access that cash through loans or withdrawals while you are still living. To learn more about the different types of Final Expense policies, please click here.
Quote
The first step is to get a quote and it only takes 5 minutes! We understand that families need affordable insurance solutions to fit their budgets, health conditions and lifestyles. Request your FREE no obligation quote today. No need to pay right away when you apply.
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Coverage typically ranges from $1,000 to $50,000
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Serious health problems won't stop acceptance
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​No Medical Exam/ Simple Application
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Most plans have no waiting period
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Full Coverage The First Day​
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Fast Approval Process
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Monthly Rates As Low As $20 a month
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The rates remain fixed for life and cannot go up.
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Coverage is assured to stay constant and never expire
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You'll usually get your money within 1 to 2 days
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Or call (855) 307-3783
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Discover how these products can help provide financial peace of mind. Simply click each tab for more information. For many, these products can feel like just another expense...until you really need it.
​​​​Final Expense Insurance
Final expense life insurance is a type of whole life insurance policy geared towards the 65 and older market, with smaller face amounts, (typically $5,000 to $25,000.) It’s typically less expensive and made to help loved ones prepare for the costs that come in the final stage of life. Surprisingly, final expenses can quickly add up to thousands of dollars. With today's funeral costs averaging $11,000, having a final expense insurance plan can ease the financial burden and allow your family to focus on healing.
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Most final expense insurance policies are whole life policies, which means they do not expire as long as premiums are paid, and they may build cash value over time. Premiums usually remain fixed for the life of the policy, ensuring that the cost does not increase over time. These policies often have simplified underwriting processes, meaning that applicants may not need to undergo a medical exam. Instead, they may only need to answer a few health-related questions. The policy's death benefit is typically paid out quickly to the beneficiary upon the insured's death, helping to cover immediate expenses.
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Types of Final Expense Insurance Policies
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Not every final expense life insurance policy is the same. Depending on your health and how much you are able to afford in premiums, there is a policy option that is right for you. Here are some of the different death benefit types associated with a final expense policy.
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An immediate or standard final expense insurance policy allows for beneficiaries to receive full death benefits no matter when or how the policyholder died after the start of the insurance policy. This means the insurance company will pay the full death benefit if the insured passes away due to natural causes or an accident, starting from day one. This is the best of the three options, as it offers lower rates and no restrictions on the death benefit.
Under a graded benefit plan, beneficiaries may receive benefits from the insurance policy at a limited amount depending upon how soon the insured individual passed away after the start of the policy.
For example, a graded benefit policy may have it so that if the insured passes during the first year of the policy, up to 40 percent of the benefit will be given to the beneficiaries. If the insured dies within the second year, up to 80 percent of the benefits will go to the beneficiaries.
The total benefits will go to the beneficiaries if the policy holder passes after the first two years of the policy. These percentages may differ between insurance companies and their specific policies, but the beneficiaries can expect to receive a portion of the benefits depending on when the individual passes after the insurance policy initially goes into effect.
Guaranteed issue policies are not subject to the same underwriting requirements that other insurance policies are. Applicants don’t have to answer any health questions or take medical exams to assess their risk. This may make a guaranteed issue policy ideal for someone who has medical issues that make passing traditional underwriting requirements difficult. Insurers offering guaranteed issue (guaranteed acceptance) policies generally have a two- or three-year waiting period for death from natural causes. If the insured passes away within this period, the beneficiary typically receives the total premiums paid, plus an additional 10%. Once the waiting period has passed, the beneficiary is eligible for the full death benefit. However, death due to accidental causes is not subject to the waiting period and is paid in full from the start of coverage.
Create a meaningful and personal tribute
Although it’s not something most people like to think about, planning your funeral or memorial service in advance is one of the greatest gifts you can give to your loved ones. By planning ahead, you’ll have the opportunity to review your options, make thoughtful decisions, and plan calmly, all at your own pace and from the comfort of your home. The Funeral Preparation Handbook will provide you with guidance on burial or cremation preferences, funeral services, memorials, and financial planning. Additionally, you will find valuable resources, such as information on how to save money, estate settlement, affordable legal services, and ways to cover final expense cost and government benefits that you may qualify for that can assist with cost of your final expenses. Click the download button below for a copy of our free handbook and a quote.
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We offer live online product overviews on Eventbright.com, which provides you with an opportunity to gain a comprehensive understanding of the product(s) you are interested in. These webinars provide valuable insights and are hosted every week . To register for an event, please click on the link below.
Join Us!
Fort Worth, TX
“Better rates than anywhere else and great customer service"
Granbury, TX
"I just switched to a different Final Expense insurance company which saved me over $70 a month. They were not only extremely helpful throughout the process, but were very quick to respond and get my policies in place"
Richardson, TX
“De'Andre personally assisted me and has been a huge help! He has gone above and beyond to help me. I’m a very happy customer and highly recommend this Diligent Healthcare office”