Great Final Expense Insurance Options for Folks in North Carolina

Final Expense Insurance North Carolina

Are you looking for a great final expense insurance policy in the Tar Heel State? You have, luckily, come to the right place! t Final Expense Insurance, our goal is to provide you with the most straightforward and affordable burial insurance available! Our number one goal is to help seniors everywhere get the best burial insurance policy, but in this article, we will focus on North Carolina.

In this article we’ll give you some important state specific statistics, help you understand how a final expense policy works, and show you how to find the best final expense insurance policy in North Carolina.

Image result for north carolina state flag

Leading Causes Of Death In North Carolina

Rank Cause of DeathTotal Deaths
1 Cancer19,474
2 Heart Disease18,808
3 Accidents5,985
4 Chronic Lower Respiratory Diseases5,540
5 Stroke5,098
6 Alzheimer’s Disease4,289
7 Diabetes2,903
8 Flu/Pneumonia2,076
9 Kidney Disease2,040
10 Suicide1,521

(note: these statistics are taken from CDC website and the data is for the year of 2017)

Please bear in mind, as you pour over this depressing data, that we have final expense insurers who cover many of these illnesses. We will find a carrier for you regardless of your situation. They may vary depending on your health details, but we will get you approved at an affordable monthly premium.

Believe it or not, lots of these circumstances won’t even require a waiting period (although some will).

Life Expectancy in North Carolina

The average life expectancy in North Carolina was 78.0 years (in 2018). In all, North Carolina, ranked #37 in average life expectancy. That was an increase of 0.2 from 2010 when the average life expectancy was 77.8 years old.

So, you may be wondering if living in North Carolina, with a rank of 37th nationwide will mean that you will pay more for burial insurance than someone in New York state, which is ranked 3rd (in 2018).

We are happy to inform you that the monthly premiums for burial insurance are equal in all states, except for Montana which has same sex rates (same for men and women). North Carolina residents, while at #37 statewide, are treated the same as New York residents.

Regardless of how old or how healthy you are right now, having a final expense policy in place is of utmost importance. Nobody wants to leave their family financially burdened.

What is So Great About North Carolina?

Where do we start? North Carolina is an absolutely beautiful state with so much to offer.

  • North Carolinian’s are passionate about their “Tar Heel State”. A study by United Van lines says Americans are still moving to North Carolina at a higher rate than any other state in the country. Why? It could be the friendly nature of the citizens, or the beautiful temperate climate, or the rich history. It could be the beautiful rolling mountains, or the long, breezy coastline.

North Carolina is famous for:

  • “First in Flight”-The Wright brothers, fathers of aviation, had their first successful flight on Kitty Hawk, North Carolina.
  • Biltmore Estate-the nation’s largest private residence. It is beautiful, and now an extremely popular tourist destination.
  • Pepsi Cola was invented in New Bern, North Carolina.
  • Krispy Kreme Donuts were first created in Winston Salem, North Carolina.
  • Barbeque-Vinegar based pork barbeque to be precise. Lexington, North Carolina is the Barbeque Capital of the world.
  • Sweet Potatoes, Cotton and Tobacco. North Carolina grows all three very well.
  • Th 20 largest emeralds ever found in the US were found in North Carolina.
  • The Great Smokey Mountains National Park… An extremely popular tourist destination.
  • Andy Griffith was from Mt. Airy, and his show was based on the town.
  • NASCAR is very popular in North Carolina, and Charlotte is home to the new NASCAR Hall of Fame.

Shopping for Final Insurance in North Carolina

It is important to use care when shopping for burial insurance, including North Carolina. Luckily, at Insurance for Final Expense, we make it easy. We do the shopping for you! Simply fill out the final expense insurance quote form on our website, and you can review and compare rates and carriers. The cost of insurance over the life of the policy can be significant, and the benefits provided are important to your survivors. You should determine what you need. Then, call us with any questions.

The first step in selecting a final expense insurance policy is deciding how much coverage you need, how much you can afford to pay in premiums, and the type of policy that best meets your needs. Remember, compare products offered from various companies and note the differences in benefits and costs.

Working with an Independent Insurance Agency

We are sure that many of you in North Carolina have been inundated with commercials for final expense life insurance from John Hancock, State Farm burial insurance and AARP burial insurance for seniors. They are all over the place with expensive ads meant to convince you that they have something special to offer you in terms of coverage and low premiums.

Here’s the truth. They don’t. They are captive agencies, which means they can only offer you their insurance products. In the case of AARP, they don’t actually sell their own insurance. They sell policies through New York Life Insurance, but it is still a “captive” situation.

Let’s Understand Just How Final Expense Insurance Works

This is what it comes down to … Final Expense Insurance Burial Insurance plans are simple, straightforward solutions for those who don’t want to leave a large financial burden for their loved ones when they pass on. Final Expense Insurance policies are simply small face value whole life policies who’s purpose is to cover your final expenses.

Here is what you can expect from Final Expense Insurance Plans in North Carolina:

  1. Fixed Premiums
  2. No Death Benefit Decrease
  3. No Policy Expiration Regardless of your Age 

Same Day Coverage

After approval, you will be protected on day one (this does not apply if underwriting determines that you have to endure a 2 year waiting period for major health issues).

At the time of your passing, the full death benefit gets paid to your beneficiary. This

Getting You The Best Final Expense Insurance In North Carolina

Before we reveal our time tested game plan that will surely help you find the best and lowest cost policy, we must define something first.

You will see the term “best burial insurance” all over the internet, but what does it really mean?

There are 3 key points that you want to look for that ultimately decide if a burial policy is the best for YOU.

  1. The insurance company is financially stable
  2. Coverage that has no waiting period if possible
  3. Lower price than other insurance companies

If you can find a policy that has all three of these aspects, you have definitely found the best plan for your needs.

So How Do I Find the Best Final Expense Insurance Policy in North Carolina?

With Final Expense Insurance, it is so important to work with a licensed, independent agency that specializes in final expense.

To find the best burial insurance in North Carolina, you really should be working with an independent broker that represents a variety of burial insurance companies. If you go with one of the big-name advertisers like AARP or State Farm, you are tied to one product, whereas we are able to give you multiple low-cost options.

Working with an independent agency like Insurance for Final Expense is 100% free. Unlike working with a captive agent, we as independent agents are paid by the insurance companies. It has zero effect on your rates. 

If you need help with guaranteed issue or final expense insurance, it would be our honor to assist you. Please call us at 1-800-400-8319. If you would rather that we call you, just fill out the quote form on this page and a licensed agent will be in touch with you promptly.