Tailored insurance for your life and health.

Marketplace eligibility is based on your Modified Adjusted Gross Income (MAGI). This includes wages, tips, self-employment income, Social Security, and certain investment income—but not gifts, child support, or most disability payments.

Unlike larger-term or universal policies, final expense insurance is easier to qualify for, often requiring no medical exam, and focuses on covering immediate expenses rather than income replacement.

MA plans must meet CMS requirements, provide at least Medicare-equivalent services, and pass on savings and quality incentives to enrollees.

Choose a term length aligned with your financial goals—such as covering a 15-year mortgage or until your children are financially independent.

There are 10 standardized plans labeled A–D, F, G, K–N. Benefits are identical across insurers; only prices vary.

The National Funeral Directors Association reports funeral costs averaging ~$8,300–$10,000 depending on services. Adding medical and final estate costs, many people choose policies in the $10,000–$25,000 range.

A common guideline is 10× your yearly income, but you may need more if you have substantial debt or plan for college expenses.

That varies—but a common guideline is to choose a benefit that covers 6–12 months of income, or enough to manage major medical and living expenses.

Premiums are generally affordable—often just a few dollars per week—and are priced based on coverage levels and the insurer.

Premiums vary by age, benefit amount, and provider. For example, a lump-sum policy may cost around $19/month for coverage from $5,000 to $100,000.

Premiums generally run about 1–3% of annual income, similar for STD and LTD. Individual factors like age, health, and occupation can influence the rate.

Premiums typically range from $25 to $150/month, depending on coverage levels, plan type, and provider. Aflac’s tiered DVH plans can increase in benefits as you stay enrolled longer.

Premiums vary by age, health, gender, benefit amount, elimination period, and location. Example: a 55-year-old individual might pay ~$102 per month for $165,000 in benefits, while couples at age 55 pay around $2,080 annually.

Popular Plan G averages $100–150/month; Plan F (available to older enrollees) may cost more. Premiums vary by plan type and market.

Typically about 4%–10% of total trip cost, depending on traveler age, trip price/length, destination, and selected benefits.