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Navigating Final Expense Insurance in the Sooner State: A Guide for Oklahomans

Navigating Final Expense Insurance in the Sooner State: A Guide for Oklahomans

Hello, my fellow Oklahomans! As we age, we face specific responsibilities that we can't ignore, no matter how uncomfortable they make us feel. One such responsibility is planning for our final expenses. Whether we live in Oklahoma City's bustling neighborhoods or the quieter parts of Lawton and Stillwater, funeral costs are escalating, and leaving our loved ones to deal with these financial burdens is far from ideal. This is where final expense insurance comes into play. Here's how to choose the right plan for you, specific to the needs and nuances of living in the great state of Oklahoma.

Why Final Expense Plans are Important

Even a simple funeral in Oklahoma can cost several thousand dollars, and that's without considering other associated costs like obituaries, floral arrangements, and post-funeral events. A final expense insurance plan offers peace of mind, ensuring your loved ones won't have to scramble to cover costs during a stressful time.

Types of Final Expense Insurance

There are primarily two types of final expense insurance — simplified issue and guaranteed issue. Simplified issue plans require a few medical questions but no medical exams, making them easier to qualify. On the other hand, guaranteed issue plans require no medical questions at all but come at a higher premium.

Suppose you're in relatively good health and reside in cities like Tulsa or Oklahoma City, where healthcare facilities are more readily available. In that case, you may opt for a simplified issue policy to take advantage of lower premiums. Conversely, if you live in more remote areas like Guymon or have pre-existing conditions, a guaranteed issue policy may be more your speed.

Local Vs. National Providers

As an Oklahoman, you can choose between local insurance providers and national carriers. Local providers might offer personalized customer service and better understand the local market. National carriers often have more robust offerings and a long-standing reputation. Weigh the pros and cons of both before making a decision. Local companies like Oklahoma-based Globe Life may offer that personal touch, while national carriers like AIG may provide more extensive options.

Coverage Amounts

The coverage amount is a vital factor to consider. With the cost of living varying significantly across Oklahoma, those living in upscale neighborhoods like Nichols Hills may opt for more coverage than those in less expensive locales. Make sure to factor in funeral costs and other debts and final expenses you may leave behind.

Payment Options

Most final expense plans offer flexible payment options, including monthly, quarterly, or annual payments. Some even provide discounts for annual payments. Given Oklahoma's diverse population, from fixed-income retirees to those still in the workforce, choosing a plan with a payment schedule that fits your budget is essential.

Family and Beneficiary Considerations

Most final expense insurance policies are flexible about naming your beneficiaries. Given the tight-knit communities in places like Broken Arrow or Edmond, consider calling a trusted friend as your beneficiary if you have no immediate family.

Don't Overlook Inflation

This is critical. While today's funeral costs in Oklahoma may range from $7,000 to $10,000, inflation will undoubtedly increase these numbers. Look for plans that offer an inflation rider, or opt for a slightly higher coverage amount to safeguard against rising costs.

Consult a local expert in Oklahoma

The insurance world can be overwhelming, and Oklahoma is no exception with its own rules and regulations. Feel free to consult local insurance agents familiar with Oklahoma-specific final expense insurance market issues. Their localized advice could be invaluable.


Choosing the right final expense insurance plan is a significant step towards financial stability and peace of mind for you and your loved ones. The tips above are meant to guide you through the process, taking into account the unique circumstances of life in Oklahoma. Plan wisely, and you'll leave behind memories and the comfort of financial security for your family.

We proudly serve the following counties in Oklahoma!

Adair, Alfalfa, Atoka, Beaver, Beckham, Blaine, Bryan, Caddo, Canadian, Carter, Cherokee, Choctaw, Cimarron, Cleveland, Coal, Comanche, Cotton, Craig, Creek, Custer, Delaware, Dewey, Ellis, Garfield, Garvin, Grady, Grant, Greer, Harmon, Harper, Haskell, Hughes, Jackson, Jefferson, Johnston, Kay, Kingfisher, Kiowa, Latimer, Le Flore, Lincoln, Logan, Love, Major, Marshall, Mayes, McClain, McCurtain, McIntosh, Murray, Muskogee, Noble, Nowata, Okfuskee, Oklahoma, Okmulgee, Osage, Ottawa, Pawnee, Payne, Pittsburg, Pontotoc, Pottawatomie, Pushmataha, Roger Mills, Rogers, Seminole, Sequoyah, Stephens, Texas, Tillman, Tulsa, Wagoner, Washington, Washita, Woods, Woodward

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