Frequently Asked Questions
Answers to Common Questions About Life Insurance & Final Expense
I believe there's no such thing as a silly question when it comes to protecting your family. Below are some of the most common things people ask me. If your question isn't listed, feel free to reach out—I'm happy to help.
📧 Email:
📞 Call/Text:
(515) 518-0536
Do I really need life insurance?
If someone you love depends on you—financially or emotionally—then yes, life insurance is one of the most loving and responsible decisions you can make. It ensures your family has support if the unexpected happens.
What's the difference between term and whole life insurance?
Term Life
Covers you for a set number of years (like 10, 20, or 30). It's affordable and great for temporary needs, like raising kids or paying off a mortgage.
Whole Life
Covers you for your entire life and builds cash value you can access. It's great for lifelong protection, legacy planning, and even funeral costs.
What is Final Expense Insurance?
Final Expense Insurance is a small, permanent life insurance policy meant to cover funeral, burial, or cremation costs and other end-of-life bills. It's typically easier to qualify for and doesn't require a medical exam.
💬 Do I need a medical exam to qualify?
Not always! Many of the plans I offer—especially for Final Expense—require only a short health questionnaire, not a physical exam. I'll help you find a plan that fits your health and budget.
How much coverage do I need?
That depends on your goals. Some people only need enough to cover burial expenses, while others want to leave income replacement, mortgage coverage, or a legacy gift. We'll talk through your situation together and tailor a plan that works for you.
Mortgage Coverage
Ensure your family can keep their home
Income Replacement
Support your family's ongoing expenses
Legacy Gift
Leave something special for loved ones
Burial Expenses
Cover final costs without burdening family
How much does life insurance cost?
Policies can start as low as $1 a day. Your premium depends on your age, health, coverage amount, and type of plan. I'll provide honest quotes and help you compare options.
$1
Starting at
Per day for basic coverage
4
Factors
Age, health, coverage amount, plan type
Is it ever too late to get coverage?
Not necessarily. Some plans are available for clients up to age 85, depending on the state and carrier. Even if you've been declined in the past, I may be able to help. Let's talk!
Do you offer coverage in my state?
Meredith Majors Insurance currently serves Iowa, Florida. Reach out to confirm your eligibility.
Do I have to pay for a consultation?
Absolutely not. Your first conversation is always free—no pressure, no obligation. My goal is to help you understand your options so you can make the best decision for your family.
💬 How do I get started?
Simple! Just fill out the contact form or reach out by phone, text, or email. I'll guide you every step of the way.
📞 Phone
(515) 518-0536
Contact Meredith
By submitting this form, you consent to be contacted by a licensed insurance agent (Meredith Majors) by phone, text, or email. This is a solicitation for insurance.