Our Services
Final Expense
Final expense is a small, affordable whole life policy—usually $10,000–$25,000—that locks in your rate for life, never expires, and pays cash directly to your loved ones within days. No medical exam, just a few health questions. It’s a simple way to make sure funeral and last bills are covered so your family isn’t stressed or surprised.
Medicare
Medicare is complicated—we make it simple. Stone Point Life Associates compares plans from multiple carriers, checks your doctors and drugs, and finds extra benefits you may qualify for—all at no cost and no obligation. One call, clear answers, confident coverage.
Supplemental
Health
When life happens, your health plan pays doctors—these policies pay YOU. Hospital indemnity, cancer/critical illness, and home-care plans send cash for deductibles, travel, or bills. They stack with Medicare, are affordable, and quotes take minutes.
Book a Consultation
Take the first step towards securing your family's financial future by scheduling a personalized life insurance consultation with our experts.
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.
