Final Expense & Burial Insurance in Idaho
Final expense (or burial) insurance is about making things easier for your family when you’re gone – not leaving them scrambling to cover funeral costs and last bills.
I’m Chris Antrim, an independent agent in Boise, and I help Idaho seniors and families set up simple, permanent policies that are designed to be there when they’re needed most.
What Is Final Expense Insurance?
Final expense insurance is usually a small whole life policy, often in the range of:
5,000
10,000
15,000
25,000
30,000
It’s designed to help cover:
Funeral and burial or cremation costs
Small medical bills or leftover debts
Travel costs for family
General “clean-up” expenses after someone passes
The coverage is permanent – meant to last your whole life, as long as premiums are paid.
How Final Expense Insurance Works
Most final expense policies:
Are whole life – permanent coverage
Have level premiums that don’t increase with age
Have simplified underwriting – usually no medical exam, just questions
Are available for people up to a certain age (varies by company)
Depending on health, we may use:
Simplified issue final expense
Or if needed, guaranteed issue final expense (for very serious health conditions)
Final Expense vs Guaranteed Issue
Some final expense plans still have health questions and may decline certain conditions. Others are guaranteed issue.
If you can honestly answer the health questions without major issues, we usually aim for simplified issue – better pricing, more options.
If your health is more serious, guaranteed issue final expense may be the best way to secure at least a small policy.
We’ll always try to get you the most coverage and best pricing your health allows.
Common Questions from Idaho Seniors
What if I outlive the policy?
Final expense is meant to be permanent – not like term. As long as you keep paying, the coverage stays in force.
Can the benefit be used for anything?
Yes. The money goes to your beneficiary and they can use it for any need: funeral, debts, living expenses, etc.
What if my health isn’t great?
That’s common. We’ll be upfront about what options are realistic, and if needed, we’ll look at guaranteed issue alternatives.
We’ll build the policy amount around what you can comfortably afford every month. I’d rather see:
A smaller policy you can keep for life,
than a big one you have to cancel in two years.
We’ll:
Review your income and key expenses
Decide how much room you have for insurance
Right-size the coverage so it’s sustainable
Budgeting Final Expense on a Fixed Income
How to Get Started with Final Expense Coverage
If you’re in Boise, Meridian, Nampa, Caldwell, Eagle, or anywhere else in Idaho and want to set up a simple final expense policy:
Call/Text: (425) 761-0555
Email: [email protected]
We’ll talk through your goals, your budget, and your health, then find a plan that makes sense – without pressure.
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