{"id":1475,"date":"2025-11-30T12:00:00","date_gmt":"2025-11-30T17:00:00","guid":{"rendered":"https:\/\/www.insurancefordfw.com\/blog\/?p=1475"},"modified":"2025-11-04T14:44:05","modified_gmt":"2025-11-04T19:44:05","slug":"can-you-get-life-insurance-right-before-you-die","status":"publish","type":"post","link":"https:\/\/www.insurancefordfw.com\/blog\/2025\/can-you-get-life-insurance-right-before-you-die\/","title":{"rendered":"Can You Get Life Insurance Right Before You Die?"},"content":{"rendered":"

Many people in Coppell, TX, put off getting a life insurance policy. Those without health conditions may feel like they have years left. The last thing on their minds is funerals or planning for their death. However, once you discover that you have a terminal condition, you’re bound to wonder if it’s too late to get an insurance policy. <\/span><\/span><\/p>\n

Waiting Period<\/span><\/span><\/h2>\n

Unfortunately, these policies often have a waiting period. So, if you’re terminally ill, the policy may not be active when you die. The waiting period typically ranges from four to six weeks, although this may vary depending on the specific insurance company. An agent at The Select Insurance Agency can help you understand how the waiting period works. <\/span><\/span><\/p>\n

Policies for Terminally Ill Clients<\/span><\/span><\/h2>\n

While you might not be able to obtain a standard policy that assesses health history and depends on you paying into it for years, you may qualify for a different type of policy. These policies, sometimes called guaranteed life insurance, often have a lower life benefit, but will still pay out when you die. Individuals often purchase them to ensure there’s a benefit to help cover funeral expenses when they die or to provide a small benefit to loved ones. <\/span><\/span><\/p>\n

Burial Expense Policy<\/span><\/span><\/h2>\n

Some companies offer another type of policy called a burial expense policy. It may be called a final expense policy. These policies take effect as soon as you make the first payment, so you’re covered if you die in three days. They’re smaller than other policies that pay out a death benefit. That’s because they’re only designed to pay for the funeral, ensuring your loved ones don’t have to figure it out while they grieve. <\/span><\/span><\/p>\n

We understand how stressful this time can be. Compassionate agents at The Select Insurance Agency can help you learn more about your options. We’re currently serving the Coppell, TX, area. <\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Many people in Coppell, TX, put off getting a life insurance policy. Those without health conditions may feel like they have years left. The last thing on their minds is funerals or planning for their death. However, once you discover that you have a terminal condition, you’re bound to wonder if it’s too late to […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[128,55,427,199,320],"class_list":["post-1475","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-coppell","tag-insurance-2","tag-life","tag-the-select-insurance-agency","tag-tx"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.insurancefordfw.com\/blog\/wp-json\/wp\/v2\/posts\/1475","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insurancefordfw.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insurancefordfw.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insurancefordfw.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insurancefordfw.com\/blog\/wp-json\/wp\/v2\/comments?post=1475"}],"version-history":[{"count":1,"href":"https:\/\/www.insurancefordfw.com\/blog\/wp-json\/wp\/v2\/posts\/1475\/revisions"}],"predecessor-version":[{"id":1476,"href":"https:\/\/www.insurancefordfw.com\/blog\/wp-json\/wp\/v2\/posts\/1475\/revisions\/1476"}],"wp:attachment":[{"href":"https:\/\/www.insurancefordfw.com\/blog\/wp-json\/wp\/v2\/media?parent=1475"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insurancefordfw.com\/blog\/wp-json\/wp\/v2\/categories?post=1475"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insurancefordfw.com\/blog\/wp-json\/wp\/v2\/tags?post=1475"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}