The Application Process Simplified: Securing Final Expense Insurance with Unlimited Insurance

Introduction Applying for life insurance doesn’t have to be intimidating — especially when it comes to final expense coverage. With no medical exams and simplified questions, the application process is fast, easy, and stress-free. In this blog, we’ll walk you through each step of securing final expense insurance with Unlimited Insurance, so you know exactly what to expect.

Step 1: Get a Free Quote

Your journey starts with getting a personalized quote. At Unlimited Insurance, we make this simple with multiple options:

• Use our website to submit basic info

• Call to speak with a licensed agent

• Get help through live chat or email
  

Why this matters:  Our system searches multiple top-rated carriers so you get the best price and fit without having to do the legwork.

Step 2: Answer Basic Health Questions

Most final expense policies are simplified issue, meaning:

• No medical exam required

• Just a few yes/no health questions
  

Typical questions include:

• Do you currently reside in a nursing facility?

• Have you been diagnosed with a terminal illness?

• Do you have heart disease, cancer, or diabetes?
  

Tip: Be honest — your answers help us match you with the right policy and avoid delays in payout later on.

Step 3: Choose Your Policy & Carrier

Based on your needs, budget, and health profile, your agent will recommend a few suitable options. You’ll compare:

• Coverage amounts

• Monthly premiums

• Waiting periods (if any)

• Add-on benefits (riders)
  

Benefit: You stay in control — we’re just here to guide you, not push a product.

Step 4: Submit Your Application

When you’re ready, we’ll help you complete and submit your application. This can be done:

• Online via secure link

• Over the phone with an agent

• Through a mobile-friendly form
  

Quick Tip: Most applications take 10–15 minutes to complete.

Step 5: Underwriting & Approval

Once submitted, the insurance company reviews your application and runs quick checks such as:

• Prescription history

• Medical Information Bureau (MIB) report
  

Timeframe:

• Many get approved within 24–72 hours

• Guaranteed issue policies may take a bit longer, depending on volume
  

Step 6: Pay Your First Premium

After approval, your first premium activates the policy. You can:

• Set up monthly auto-pay

• Choose from credit card, bank draft, or check-by-phone
  

Note: Your coverage officially begins once your first payment is received.

Step 7: Receive Your Policy Packet

You’ll receive your policy:

• Electronically via email (immediate)

• Physically in the mail (within 7–10 business days)
  

What’s Included:

• Full policy details

• Beneficiary info

• Contact numbers for claims and support
  

Frequently Asked Questions

Can I change my coverage after applying?

Yes, many policies allow adjustments or upgrades. Speak to your agent for options.

What if I’m declined?

If your application isn’t approved, we’ll help find an alternative plan that better fits your profile.

What if I need help filing a claim later?

Unlimited Insurance provides full support during the claims process — we’re with your family every step of the way.

Why Clients Choose Unlimited Insurance

• Fast, transparent process

• Multiple carriers = better options

• No pushy sales tactics

• Licensed agents who care
  

Whether you prefer phone, web, or face-to-face communication, we meet you where you are — and guide you from start to finish.

Conclusion

Applying for final expense insurance shouldn’t be stressful. With the right team behind you, it can be one of the easiest — and most important — decisions you make for your family.

Start your application today with Unlimited Insurance and protect what matters most.