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Term Life Insurance provides coverage for a set period of time (e.g. 10, 20, or 30 years) and typically has lower premiums. It’s ideal for temporary needs like income replacement or mortgage protection. Whole Life Insurance lasts your entire lifetime and includes a cash value component that grows over time. It’s more expensive but offers lifelong coverage and financial growth.

Final Expense Insurance is a type of Whole Life Insurance designed to cover funeral costs, medical bills, and other end-of-life expenses. It’s typically affordable, easy to qualify for, and doesn’t require a medical exam in most cases.

It depends on the policy. Many Final Expense and some Whole Life policies do not require a medical exam, just a few health questions. Term Life policies may require an exam depending on your age, coverage amount, and health history.