Secure
Your Future
Protecting Your Loved Ones with Reliable
Life Insurance Solutions
Our Mission
At Stone Point Life, we are dedicated to providing peace of mind by helping you find the right life insurance coverage tailored to you and your loved one's specific needs.
Coverage
Crafting extraordinary events tailored to your unique vision.
Final Expense Insurance
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.
Medicare
We offer all types of coverage options such as Medicare Advantage, and Medicare Supplements. We can help find the plan that works for you.
Supplemental Health Coverage
Protect yourself from the costs Medicare doesn't cover. Get extra protection today!
Frequently Asked Questions
Common Questions Answered for your convenience.
What is Final Expense Insurance?
Final expense insurance is a type of whole life insurance designed to cover end-of-life costs such as funeral expenses, medical bills, or small outstanding debts. It provides peace of mind so your loved ones aren’t left with financial burdens.
How is Final Expense Insurance different from traditional life insurance?
Unlike larger life insurance policies meant for income replacement or mortgage protection, final expense policies are smaller in coverage (usually $5,000–$50,000) and easier to qualify for. Approval is often based on answers to a few health questions — no full medical exam required.
How much coverage do I need?
The average funeral in the U.S. costs $8,000–$12,000, not including medical bills or other expenses. Many people choose policies between $10,000 and $25,000, but the right amount depends on your personal wishes and financial situation.
How much does Final Expense Insurance cost?
Premiums are affordable and depend on your age, gender, health, and coverage amount. Because policies are smaller, monthly payments can be as low as the cost of a daily cup of coffee.
Do I have to take a medical exam?
Most final expense policies do not require a medical exam. Approval is usually quick and based on your answers to a short health questionnaire. Some plans even offer guaranteed acceptance regardless of health.
Who receives the payout?
You choose your beneficiary (spouse, child, or trusted person). They receive the tax-free benefit to cover funeral costs and any other expenses.
