Final Expense Insurance in Illinois
Help comparing final expense, burial and whole life insurance for Illinois residents, by phone from QRS Life Group in Atlanta, Georgia.
Final expense coverage for Illinois residents
Illinois families, in Chicago and downstate alike, ask us the same first question: will my health keep me from getting coverage? Usually it will not. Depending on your answers you may be offered first-day coverage, a policy with a waiting period or a guaranteed issue plan with no health questions at all.
We explain each of those by phone, with the Illinois free-look period and the real monthly cost for your age, so you can decide without pressure.
Our office is in Atlanta, Georgia, and we work with Illinois families by phone and email. There is no local branch to visit, and there is no need for one: every step, from the first conversation to the application, is handled remotely.
How life insurance is regulated in Illinois
Life insurance sold in Illinois is overseen by the Illinois Department of Insurance, consumer assistance 866-445-5364. The department reviews the policies insurers may sell in the state, licenses the people who sell them and handles consumer complaints.
The Illinois Department of Insurance’s review standards for individual whole life policies require a 10-day free-look provision (215 ILCS 5/224). Returning the policy within that period gets your premium refunded; your policy states the exact period.
Cities we serve in Illinois
We have written a page for each of these Illinois cities with the local offices families need when a death happens: Chicago. Residents of other Illinois towns are just as welcome to call.
What Illinois families usually ask us
- What is a waiting period? Some policies pay a reduced benefit if death from illness happens in the first two or three years. Graded death benefits explained covers it in plain language.
- What will it cost? Premiums depend on your age, sex, health, tobacco use and the amount of coverage. We give you quotes for your own details instead of a headline number.
- Does my policy move with me? Yes. A policy stays in force if you move to another state, as long as the premiums are paid, and the benefit can be used anywhere.
Illinois resources for planning ahead
- Illinois Department on Aging, Senior HelpLine 1-800-252-8966: programs and the local Area Agency on Aging for older residents and caregivers.
- Illinois Department of Public Health, Division of Vital Records: how to order certified death certificates, which a beneficiary needs to make a claim.
- Illinois Department of Insurance, consumer assistance 866-445-5364: consumer help and complaints about an insurance company or agent.
- Illinois Funeral Directors and Embalmers Licensing and Disciplinary Board: the state body that licenses funeral directors and handles complaints about funeral providers.
- Illinois Senior HelpLine, 1-800-252-8966: a starting point for local help with food, transport, caregiving and benefits.
- U.S. Department of Veterans Affairs, burials and memorials: cemetery, marker and allowance benefits for eligible veterans in Illinois.
Coverage options we compare
The policies we compare are explained on their own pages: final expense insurance, burial and funeral insurance, whole life insurance for seniors, no medical exam life insurance and guaranteed issue life insurance. How it works describes the three steps from a first call to a policy in hand.
Our final expense planning checklist lists the documents and decisions worth putting in order, and the questions and answers page covers the questions we hear most.
Talk with us
Call +1 (319) 254-9055 during business hours, or send the quote form and we will call you. There is no cost and no obligation. All the states and cities we serve are listed on the Service Areas page.