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Final expense products are whole life insurance policies. Coverage amounts, availability, underwriting rules, waiting periods, and premiums vary by carrier, state, age, and health. Guaranteed acceptance policies generally include a limited or graded benefit period for the first two years for death by natural causes. Benefits are subject to the terms, conditions, and exclusions of the policy issued. This page is not a policy, a contract, or an offer of insurance, and no coverage exists until an application is approved and the first premium is paid.
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