Whole Life Insurance

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Whole Life Insurance  is a type of permanent life insurance that provides lifetime coverage as long as your monthly

premiums are paid. The insurer cannot cancel this policy whenever they want to and your premium payments can never go up.

The underwriting process for Final Expense Insurance is generally more streamlined and simplified compared

to traditional life insurance. Here are some key points:

**No medical exam required**: Most FEI insurers don't require a medical exam as part of the application

process.

**Shortened application**: The application process is typically shorter and less comprehensive than

those for traditional life insurance policies.

 **Questionnaire-based**: You'll usually be asked to complete a questionnaire that covers your:

        + Age

        + Health status (including any pre-existing conditions)

        + Lifestyle habits (e.g., smoking, drinking)

        + Medical history

**Risk-based pricing**: The insurer will use the information you provide to determine your risk level

and premium accordingly. This means that those with higher risks (e.g., older age, poorer health) may pay

a higher premium.