Final Expense Insurance in Virginia

Final expense coverage for Virginia residents

Virginia’s independent cities, such as Richmond and Virginia Beach, keep their own vital records and probate offices, which is one reason families there appreciate a plain list of who to call when a death happens. We put that list on each city page below.

For the insurance itself, we help Virginia residents compare final expense, burial and whole life policies by phone, explain the waiting period on graded and guaranteed issue plans and give you quotes for your own age and health.

Our office is in Atlanta, Georgia, and we work with Virginia 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 Virginia

Life insurance sold in Virginia is overseen by the Virginia State Corporation Commission, Bureau of Insurance, consumer hotline 1-877-310-6560. The department reviews the policies insurers may sell in the state, licenses the people who sell them and handles consumer complaints.

Virginia law requires every individual life policy to tell you that you may return it during a 10-day period from the date it is delivered and receive a refund of the premium (Va. Code section 38.2-3301). An insurer may allow a longer period.

Cities we serve in Virginia

We have written a page for each of these Virginia cities with the local offices families need when a death happens: Richmond, Virginia Beach. Residents of other Virginia towns are just as welcome to call.

What Virginia families usually ask us

• Who receives the money? The beneficiary you name, in cash. They can use it for the funeral, medical bills or anything else. See naming a beneficiary and how a claim works.
• Can I qualify with my health history? Often yes. Depending on your answers to a few health questions you may be offered full coverage from the first day, a policy with a waiting period, or a guaranteed issue policy that asks no health questions.
• How much do I need? Ask funeral homes near you for their General Price List and add the bills you expect to leave. Our guide to working out a coverage amount walks through the steps.

Virginia resources for planning ahead

• Virginia Division for Aging Services: programs and the local Area Agency on Aging for older residents and caregivers.
• Virginia Department of Health, Office of Vital Records: how to order certified death certificates, which a beneficiary needs to make a claim.
• Virginia State Corporation Commission, Bureau of Insurance, consumer hotline 1-877-310-6560: consumer help and complaints about an insurance company or agent.
• Virginia Board of Funeral Directors and Embalmers: the state body that licenses funeral directors and handles complaints about funeral providers.
• 211 Virginia, dial 2-1-1: 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 Virginia.

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.