Final Expense Insurance

What happens to my final expense policy if I stop paying premiums?

If you stop paying premiums and don't use any grace period or nonforfeiture options, the policy will typically lapse and coverage will end. Most policies include a grace period, commonly 30 days, during which you can still make a late payment without losing coverage.

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Because final expense policies build a small amount of cash value over time, some may offer options like reduced paid-up insurance or extended term insurance if you can no longer pay premiums, depending on the carrier and how long the policy has been active.

Want an answer specific to your situation? A licensed agent can walk through your options in a few minutes.

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If you're struggling with payments, it's worth calling to review your options rather than letting the policy lapse outright.

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What happens to my final expense policy if I stop paying premiums?

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