Protecting What Matters Most
Peace of Mind for You and Your Loved Ones
Welcome to EternaTrust Insurance Group
At EternaTrust Insurance Group, our clients always come first. As a trusted leader in final expense insurance, we are dedicated to providing personalized, reliable, and compassionate insurance solutions. With years of experience, we have helped countless families secure peace of mind by offering affordable, top-quality plans that protect what matters most.
Bridging the Gap Between Agents and Carriers
To better serve our clients, EternaTrust works to empower licensed agents by connecting them with leading insurance carriers. We provide agents with access to the best tools, training, and resources, enabling them to offer families reliable, high-quality insurance solutions. By bridging this gap, we ensure that every client benefits from the expertise of agents who are equipped to meet their needs.
LIFE INSURANCE
At EternaTrust Insurance Group, we provide tailored life insurance solutions to protect your loved ones and secure their financial future. Whether it’s safeguarding income, covering debts, or building a legacy, our plans are designed to meet your unique needs.
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Types of Life Insurance
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Term Life Insurance: Affordable, time-based coverage for key life stages.
Whole Life Insurance: Lifetime protection with cash value growth.
Universal Life Insurance: Flexible coverage with cash value options.
Indexed Universal Life Insurance: Protection with growth tied to market performance.
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Why Choose EternaTrust?
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Customized Plans: Designed to meet your goals and budget.
Top Carriers: Reliable coverage from trusted providers.
Expert Guidance: Clear, personalized support throughout the process.
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Benefits of Life Insurance
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Replace lost income for your family.
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Cover debts and secure your children’s education.
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Plan your estate and leave a lasting legacy.
Protection
Trust
Security
FINAL EXPENSE
We provide affordable and reliable final expense insurance plans to give you and your loved ones peace of mind. Our tailored solutions help families prepare for life’s unexpected moments by ensuring financial security when it matters most.
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Why Choose EternaTrust?
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Affordable Coverage: Competitive pricing to fit your budget.
Guaranteed Options: No medical exams required, with quick approvals.
Immediate Protection: Many plans offer instant coverage.
Trusted Carriers: Partnerships with top insurance providers for reliable plans.
Expert Support: Compassionate agents offering personalized guidance.
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Benefits of Final Expense Insurance
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Protect loved ones from financial burdens.
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Cover funeral expenses, medical bills, and debts.
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Lifetime coverage with no premium increases.
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Simple, transparent, and flexible policies.
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Let EternaTrust Insurance Group help you secure your family’s future with the right plan.
Why Eterna
At EternaTrust Insurance Group, we provide personalized, reliable, and affordable insurance solutions to protect your family’s future.
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Customer-Focused Care: Tailored plans to meet your unique needs.
Comprehensive Coverage: Offering life and final expense insurance.
Trusted Providers: Reliable plans from top insurance carriers.
Simple Processes: Easy application and hassle-free claims.
Expert Support: Compassionate guidance every step of the way.
Choose EternaTrust for peace of mind and trusted protection.
Insurance Carriers We Represent – EternaTrust Insurance Group
At EternaTrust Insurance Group, we work with top-rated insurance carriers to provide reliable, affordable, and tailored coverage for every stage of life. Our partnerships ensure peace of mind and financial security for individuals and families.
We take pride in offering a diverse range of insurance solutions, backed by trusted carriers that prioritize customer care and long-term stability. Below are the carriers we proudly represent:
Meet the Team
At EternaTrust Insurance Group, our leadership team brings together decades of experience, expertise, and a shared passion for excellence in the insurance industry. Each member of our team plays a vital role in ensuring that EternaTrust is not just a company, but a one-stop shop for success—for our partners, the licensed agents, our valued clients, and our trusted insurance carriers.
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What is final expense insurance?Final expense insurance (also known as burial insurance or funeral insurance) is a type of life insurance policy designed to cover funeral costs and other end-of-life expenses. It typically provides a smaller coverage amount compared to traditional life insurance, making it more affordable and easier to qualify for.
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Who should consider final expense insurance?Anyone who wants to ensure that their funeral and end-of-life expenses won’t be a financial burden on loved ones should consider a final expense policy. It’s especially useful for seniors on a fixed income or individuals who may have difficulty qualifying for larger life insurance policies due to age or health conditions.
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How is final expense insurance different from other types of life insurance?Coverage Amount: Final expense policies usually offer lower coverage amounts (e.g., $5,000–$25,000) compared to standard life insurance. Simplified Underwriting: Many final expense policies require little to no medical exam, making it easier to qualify. Premium Stability: Premiums are often fixed for the life of the policy, so they won’t increase over time. Primary Purpose: The benefits are specifically intended to cover funeral and burial expenses, though beneficiaries can use the payout for any purpose.
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How much coverage do I need?The amount of coverage you need depends on the estimated cost of your funeral and any other remaining expenses (e.g., unpaid medical bills, debts, or memorial services). Funeral expenses can range from $5,000 to $15,000 or more. Some people choose slightly higher coverage to leave additional funds to their loved ones.
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Do I need a medical exam to qualify?Many final expense insurance policies offer simplified underwriting, which typically involves answering a few health-related questions rather than undergoing a full medical exam. This makes it easier and quicker to apply and get approved, especially for older adults or those with minor health issues.
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How long does it take for coverage to begin?Depending on the policy and provider, coverage can often begin as soon as your application is approved and your first premium is paid. Some policies may have a short waiting period (often one to two years) for full benefits, especially if you have certain health conditions. Always review the policy details to understand any waiting periods.
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Are there age restrictions for final expense insurance?Most final expense policies are available for applicants between 50 and 85 years old, but this can vary by insurer. Some companies will insure individuals younger than 50 or older than 85. Check the insurer’s guidelines to confirm eligibility.
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Will my premiums go up over time?Final expense insurance premiums are generally fixed (level) for the duration of the policy, meaning they stay the same throughout your lifetime. However, verify with the insurer that you’re purchasing a policy with locked-in rates.
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What happens if I have a pre-existing medical condition?Final expense insurance is often easier to get approved for, even with pre-existing conditions, because of the simplified underwriting process. Some policies may have a graded benefit, which means the full death benefit isn’t available until after a specific waiting period (usually 2–3 years). Premiums may also be slightly higher if you have certain health conditions.
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How can my beneficiaries use the death benefit?Although the policy is designed to cover funeral costs, the beneficiary can use the death benefit for any purpose. If funeral and burial expenses are already covered or cost less than the policy amount, your beneficiary can use the remaining funds for other needs, such as unpaid bills or personal expenses.
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Can I name more than one beneficiary?Yes. Most insurance providers allow you to designate multiple beneficiaries and specify the percentage each should receive. You can also name contingent beneficiaries who will receive the benefit if your primary beneficiary passes away before or at the same time as you.
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Can I cancel my policy if I change my mind?Yes, you can typically cancel your policy at any time, though you may not be eligible for a refund of premiums paid (depending on your policy type and the terms and conditions). Make sure to review the policy’s cancellation clause or speak with your insurer to understand any surrender charges or penalties.
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What happens if I miss a payment?Most insurers offer a grace period (usually 30 days) after the premium due date. If you pay within that period, your policy remains in force. However, if you fail to pay within the grace period, your policy may lapse. Check the policy details for specific payment and reinstatement rules.
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How do I pay my premiums?Common premium payment methods include: Monthly, quarterly, or annual payments via bank withdrawal Credit card (where available) Mailing a check or money order Check with your insurer to see which payment options are available and if any discounts apply for annual payments.
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Are the death benefits taxable?In most cases, death benefits from a life insurance policy are not subject to federal income tax. However, tax laws can change and individual circumstances vary, so it’s always a good idea to consult a tax professional for personalized advice.
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Can I increase my coverage amount later?Depending on the insurer, you may be able to increase your coverage, but you might need to go through additional underwriting or sign a new policy. Alternatively, some people choose to purchase multiple final expense policies from the same or different insurers if they need more coverage.
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Is final expense insurance the same as prepaid funeral plans?No. A prepaid funeral plan is arranged directly with a funeral home, locking in prices for specific services. Final expense insurance provides a cash benefit to your beneficiaries, who can use the funds for any funeral home or related expenses. Final expense insurance offers more flexibility, as the funds aren’t tied to a specific funeral home or package.
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How do I apply for final expense insurance?You can often apply: Online: Many insurers allow you to get a quote and submit an application through their websites. By Phone: Call an insurance agent or the insurer directly. In Person: Schedule an appointment with a licensed insurance agent who can guide you through the process and answer any questions. Be ready to provide basic personal information and answer health-related questions as part of the application process.
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Where can I get more information?You can speak with a licensed insurance agent, review our in-depth guides on final expense insurance, or contact our customer service team. We’re here to help you make an informed decision about the policy that best fits your needs.