Question 1

Do I need a medical exam to qualify for final expense insurance?

Accepted Answer

No medical exams are required. Approval is based on answers to a few simple health questions over the phone. No doctor visits, blood work, or needles required.

Question 2

What if I have pre-existing health conditions?

Accepted Answer

You can still qualify. We specialize in final expense plans that accept most pre-existing conditions, including diabetes, high blood pressure, heart history, and more.

Question 3

How fast will my family receive the payout?

Accepted Answer

Upon submission of claim documentation, funds are typically paid directly to your beneficiary within 24 to 48 hours.

Question 4

Can the funds be used for anything besides a funeral?

Accepted Answer

Yes. While designed to cover burial and funeral costs, your beneficiary has full freedom to use the funds for medical bills, outstanding credit cards, rent, or travel costs for family.

Question 5

Who receives the payout when the time comes?

Accepted Answer

The benefit is paid directly to your named beneficiary. Upon submission of claim documentation, funds are typically paid within 24 to 48 hours. Your beneficiary can use the funds for funeral costs, medical bills, outstanding debts, or anything else they need.

Question 6

Will my monthly premiums ever increase?

Accepted Answer

Never. Your monthly premium is locked in for life from the day your policy begins. It will never increase due to age, health changes, or inflation.

Question 7

How are monthly premiums determined?

Accepted Answer

Your monthly premium depends on your age, gender, tobacco status, the coverage amount you choose, and the plan you select. The rate you are quoted is locked in for life and will never increase due to age, health changes, or inflation.

Question 8

What is the difference between the Final Expense, 20 Pay, and Modified plans?

Accepted Answer

The Final Expense plan offers full coverage from day one. The 20 Pay plan lets you pay off your policy over a set period. The Modified plan is available for more complex health histories, with a graded benefit period. We help you choose the right fit based on your needs and budget.

Question 9

What states does Johnson Legacy Group serve?

Accepted Answer

We are licensed to serve families in Georgia, South Carolina, and North Carolina. If you live in any of these three states, we can help you from start to finish entirely by phone.

Question 10

How do I get a quote?

Accepted Answer

Use the free quote calculator on our homepage to see estimated monthly premiums, or call James directly. A quote takes under two minutes and there is no cost or obligation.

Question 11

Is there any cost or obligation to get a quote?

Accepted Answer

None whatsoever. Your quote is 100% free with zero obligation. James will simply provide options that fit your budget so you can make an informed choice.

Question 12

Can I cancel my policy if I change my mind?

Accepted Answer

Yes. You can cancel at any time. We will never pressure you to keep a policy that is not right for you, and your initial quote is always free with zero obligation.

Final Expense Insurance FAQ

Qualifying & Health

Coverage & Benefits

Pricing & Plans

Service Area & Getting Started

Still Have Questions?