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Later in life your family isn't as likely to be as dependent on your income, and you may not be carrying as much life insurance as you did when you were raising a family or paying down a mortgage.
Many insurance companies can issue final expense life insurance without requiring you to complete a medical exam. Final expense life insurance can be easy to qualify for and simple to understand, and won't be terminated as long as the premiums are paid on time.
Final expense insurance can be affordable and premiums generally will not increase over time. Although the face value (death benefit) is typically smaller than that of a traditional life insurance policy, so are the premiums.