Kleos Legacy
Connecting You to the Right Final Expense Plan
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Yes or No Health Application & Basic Checks
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Final Expense Life Insurance
Platinum Solution Policy
- Designed mainly to cover end-of-life costs, such as
- Funeral and burial expenses
- Medical bills
- Small debts
- Here's quick summary:
- Coverage amount: upto ~ $50,000 (varies by age/plan)
- Target Age: 50 ~ 85 Seniors
- Benefit Types: Immediate, Graded, Return of Premium (ROP)
- Medical exam: Simplified (no exam)
- Funeral Concierge Services Available for Platinum Solution Policy only without extra cost
Final Expense Life Insurance* <> Term Life Insurance
| Feature | Final Expense Life Insurance* | Term Life Insurance |
| Purpose | Covers funeral and small debts | Provides income replacement or large coverage for a specific period |
| Coverage Amount | Low — usually $5,000–$25,000 | High — often $100,000–$1,000,000+ |
| Duration | Lifetime (permanent) | Fixed term (10, 20, or 30 years) |
| Premiums | Higher per $ of coverage, but fixed for life | Lower initially, but ends when the term expires |
| Medical Exam | Usually none | Often required, especially for large coverage |
| Typical Buyers | Seniors wanting to cover final costs | Younger people protecting income or family financially |
Platinum Solution Policy
PLATINUM
Platinum Solution
Plan Types: Level, Modified, & Guaranteed Issue options
Coverage Range: $2,500 - $50,000
Age Range: 0 - 85 (varies by plan)
- Level Plan: immediate full coverage from Day 1 if health qualifies.
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Modified/Graded Plan: coverage phases in over the first 2 years for certain health conditions. -
Guaranteed Issue Plan: no health questions, coverage available upto $25,000 (waiting period applies). -
Funeral Concierge Services without extra cost: 24/7 Advisor Assistance available
Want to Know More Programs?
FAQs
Final Expense Life Insurance* FAQs
How much coverage do most people get?
Many choose $10,000 – $20,000 to cover services, burial/cremation, and final bills.
Do I need a medical exam?
Most plans do not require one – just basic health questions.
When does coverages start?
Level policies often start full coveage immediately. Modified or guaranteed issue plans may have waiting periods.
Can I afford this on a fixed income?
Yes. Final Expense premiums are designed to be budget friendly.