The top-rated final expense insurance agent in Middletown, Rhode Island is AAA Middletown, rated 4.6 stars across 216 reviews. Other highly rated options include Coastal Financial Group & Island Tax Associates, Carey, Richmond & Viking Insurance, Hilb Group. This directory lists 16 final expense insurance agents serving Middletown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA Middletown | 49 E Main Rd | (401) 841-5000 |
| 2 | Coastal Financial Group & Island Tax Associates | 575 E Main Rd | (401) 846-4290 |
| 3 | Carey, Richmond & Viking Insurance | 2 Corporate Pl Suite 306 | (401) 683-3900 |
| 4 | Hilb Group | 500 W Main Rd | (401) 847-5200 |
| 5 | KVT Insurance LLC | 2 Corporate Pl | (401) 849-8502 |
| 6 | Aquidneck Island Insurance | 702 Aquidneck Ave #18 | (401) 354-2172 |
| 7 | New Insurance Agency RI | 674 Aquidneck Ave | (401) 859-4140 |
| 8 | The SIG Insurance Agencies: Middletown, Rhode Island | 999 West Main Street | (401) 849-4100 |
| 9 | Defend Insure Agency | 12 Circle Dr | (401) 213-1715 |
| 10 | Nationwide Insurance: Roy L Souza | 999 W Main Rd | (401) 849-4100 |
AAA Middletown serves families in Newport County and the surrounding Rhode Island communities with final expense insurance planning. This local agency helps clients arrange coverage that can manage end-of-life costs, including funeral and burial expenses for loved ones. Their services focus on easing the financial burden on families during difficult times. Policies are designed to cover outstanding medical bills and other unexpected final costs, ensuring seniors can plan with confidence. Specific services include burial insurance and pre-need funeral planning assistance for area residents.
Coastal Financial Group & Island Tax Associates in Middletown, RI, provides final expense insurance services, focusing on helping families prepare for end-of-life costs. The company assists clients in selecting suitable coverage amounts to manage funeral and burial expenses. It offers support through the application process and policy maintenance, including annual plan reviews. This agency serves clients residing in single-family homes, apartments, and those operating small retail shops and local restaurants.
Carey, Richmond & Viking Insurance serves local families and policyholders in Middletown, Rhode Island, offering final expense insurance plans designed to cover end-of-life costs and reduce financial burden on loved ones. The agency helps clients navigate coverage options, from small burial policies to more comprehensive whole life benefits. By focusing on straightforward, dignified solutions, they support residents through the practical aspects of estate planning. The company also extends its services to nearby Newport, providing the same dedicated assistance throughout the East Bay area.
Hilb Group serves Middletown, Rhode Island, and the surrounding communities, handling final expense insurance policies to cover end-of-life costs for local residents. It offers straightforward coverage that assists families with funeral and burial expenses. The agency guides clients through plan options to ensure policy limits match their needs. Typical policy discussions include eligibility requirements without a required medical exam. Hilb Group takes a practical approach to each case by walking applicants through the simple underwriting process and explaining how benefits are paid directly to beneficiaries.
KVT Insurance LLC in Middletown, RI helps clients arrange final expense coverage, which may be structured as either a one-time payment or a recurring premium plan. This type of insurance is designed solely to cover end-of-life costs. These policies generally require no medical exam and are available to seniors on a guaranteed-issue basis. The intended use of the funds is for funeral and burial expenses. Service for final expense policies is typically provided on a one-time basis upon enrollment, with scheduled billing thereafter.
Aquidneck Island Insurance specializes in final expense insurance, offering policies designed to cover end-of-life costs for residents of Middletown, Rhode Island. The agency helps clients arrange funeral and burial expenses without burdening family members. These policies typically provide fixed benefits with simplified underwriting. Many seniors in the area rely on such coverage to manage rising healthcare and memorial service costs. As winter approaches and heating bills climb, the agency helps families adjust coverage to preserve household budgets.
New Insurance Agency RI assists clients with arranging funeral and burial expense coverage. The firm also specializes in final expense insurance, which offers simpler underwriting for senior applicants. Located in Middletown, this agency helps residents plan for end-of-life costs without requiring a medical exam. Policies typically cover funeral services, outstanding debts, or other final bills. The agency can serve commercial sectors needing group benefits for employees, including local offices, warehouses, and food service operations.
The SIG Insurance Agencies in Middletown, Rhode Island, provides residential final expense insurance for families planning for end-of-life costs. It also offers commercial insurance coverage in and around the Newport County area. The agent helps clients arrange simple, affordable policies to address funeral and burial expenses. Following an initial purchase, the office regularly reaches out to clients for policy reviews and remains available for repeat service between annual check-ins.
As the summer travel season brings family gatherings in Middletown, many older residents begin to consider their end-of-life financial impact on loved ones. Defend Insure Agency provides final expense insurance designed specifically to manage funeral and burial costs. The company works with clients to evaluate their personal needs and current health status. Policies typically offer fixed premiums that do not rise with age. The initial assessment involves a straightforward review of the applicant’s medical history and a simple questionnaire.
Nationwide Insurance: Roy L Souza is known for helping Middletown residents secure final expense coverage to manage end-of-life costs. The company assists clients in planning for funeral expenses and outstanding debts through straightforward insurance policies. Services include personalized consultations to explain coverage options and policy benefits. These tailored plans help ease the financial burden on families during a difficult time. A specialty service this agency can provide is assistance with policy beneficiary designations.
What Does a a Final Expense Insurance Agent in Middletown Cost?
In Rhode Island, final expense insurance premiums vary by age and health. A typical policy for a 65 year old non smoker might cost 50 to 100 dollars per month for 10000 dollars of coverage. Smokers and older applicants may pay 100 to 200 dollars per month. Costs are locked in and do not increase. This is general information and not insurance advice.
About final expense insurance agents in Middletown
Final expense insurance agents in Middletown Rhode Island help residents secure coverage for funeral costs and medical bills. Rhode Island law requires funeral homes to provide a price list upon request, making it easier to plan for these expenses. Local agents can explain how policies work with Rhode Island probate rules and estate recovery programs.
Frequently Asked Questions
What is final expense insurance in Middletown Rhode Island?
Final expense insurance is a small whole life policy designed to cover funeral and burial costs. In Rhode Island, these policies typically have a face value between 5000 and 25000 dollars. They do not require a medical exam and are available to seniors.
Are there Rhode Island laws that affect final expense insurance?
Yes. Rhode Island General Law Section 27-4-28 requires insurers to provide a free look period of at least 10 days. Also, Rhode Island has a 5 year look back period for Medicaid eligibility that may affect policy ownership.
How do I choose a final expense insurance agent in Middletown?
Look for an agent licensed in Rhode Island with experience in senior insurance products. Ask about policy guarantees and whether the premium is fixed for life. You can verify an agents license through the Rhode Island Department of Business Regulation.
Final Expense Insurance Agents in Other Rhode Island Cities
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