Final Expense Insurance With No 2-Year Waiting Period

What Is a 2-Year Waiting Period?

A 2-year waiting period means your family only gets premiums refunded — not the full death benefit — if you pass in the first two years. It’s built into many cheaper policies and leaves families unprotected.

The Better Option: Level Benefit Plans

Level benefit plans provide 100% of the death benefit from day one. No waiting. No restrictions. Full protection immediately upon approval.

Who Qualifies?

Most seniors with common health conditions qualify, including:

• Controlled Type 2 diabetes
• High blood pressure
• Stable COPD or asthma
• Prior heart attack or cancer beyond the carrier lookback period

Our 9 Carriers

At Critical Life Insurance, we represent Mutual of Omaha, Americo, American Amicable, Transamerica, Royal Neighbors, Foresters Financial, Liberty Bankers Life, KSKJ Life, and AIG/Corebridge — many offering immediate level benefit coverage.

Find out if you qualify for no waiting period coverage — free

Critical Life Insurance | FL License #G180089 | NPN #21367442 | Licensed in FL, TX, OH, MI, LA, MS, NC, IA, and AL