Top 5 Reasons to Consider Final Expense Insurance Before 60

Most people think final expense insurance is only for those nearing retirement, but waiting too long can cost you more, or even disqualify you entirely. In fact, purchasing Final Expense Insurance before age 60 is one of the smartest financial moves you can make for your future and your family.

At Safeguard Insurance Group, we help people get covered early so they can lock in lower rates and protect their loved ones from unexpected costs.

Here are the top 5 reasons why now — before 60 — is the right time to consider final expense insurance.

1. ✅ Lower Premiums That Stay Locked In

The earlier you buy, the lower your monthly cost. Final expense premiums are based on your age and health, so if you apply in your 50s, you’re likely to secure much lower lifetime rates.

💡 Did you know? A healthy 55-year-old might pay 30–40% less than a 65-year-old for the same coverage.

2. 🩺 No Medical Exams — Easier to Qualify When You’re Younger

Most final expense policies only require you to answer a few simple health questions. But even so, qualifying gets harder as you age — especially if health issues begin to develop. Buying before 60 increases your chances of being approved with no complications.

3. 🏠 Protect Your Family From Financial Burden

Even a basic funeral today can cost $7,000–$12,000 or more. Without coverage, those costs fall on your family. Final expense insurance ensures your loved ones aren’t left scrambling to cover end-of-life expenses.

“Leave a legacy — not a bill.”

4. 💼 Build Peace of Mind Into Your Retirement Plan

You’ve worked hard and planned for your golden years. Final expense coverage gives you one less thing to worry about, so you can focus on enjoying life — knowing your family won’t be burdened financially when the time comes.

5. ⏳ Avoid the Risk of Waiting Too Long

Waiting until after 60 (or later) could result in:

• Higher monthly costs

• Limited coverage options

• Declined applications due to health conditions

Getting covered now locks in protection while you’re still eligible and rates are lowest.

🔚 Final Thoughts

You don’t have to be nearing the end of life to plan for it. In fact, the smartest move is to get covered while you’re healthy, eligible, and financially stable.

At Safeguard Insurance Group, we’ll walk you through every option — no pressure, no gimmicks. Just honest help from licensed agents who care.

👉 Schedule a quick consultation to see what coverage you qualify for.