What it can support
Beneficiaries can use proceeds for funeral expenses, bills or other needs.
Family & future
Final Expense Whole Life Insurance
A focused whole life option can help loved ones handle funeral costs and other final obligations.
Your coverage perspective
Make room for what matters.
A focused whole life option can help loved ones handle funeral costs and other final obligations.
Explore this sectionSee how the conversation unfolds.
A retiree outlines end-of-life preferences and reviews savings with family. Coverage could provide beneficiaries additional resources after a covered death. Illustration only.
Explore this sectionA conversation built around you.
Share your priorities with HQINS. Ask about availability, policy details and the next steps for your situation.
Connect with HQINSThe essentials
Make room for
what matters.
A focused whole life option can help loved ones handle funeral costs and other final obligations.
How to access coverage: Individual application with health questions. Underwritten by Tier One Insurance Company and administered by Aetna Life Insurance Company.
How it can help
Fixed premiums and coverage designed to continue while premiums are paid.
Details that matter
Cash value builds according to policy terms.
From coverage to everyday life
See how the conversation unfolds.
Making wishes easier to carry out
A retiree outlines end-of-life preferences and reviews savings with family. Coverage could provide beneficiaries additional resources after a covered death. Illustration only.
Understand what must qualify.
Age and health answers affect eligibility and plan assignment. Modified plans limit non-accidental death benefits in early policy years.
Know what to ask before you apply.
Discuss your existing coverage, access route and priorities with HQINS. Ask for the applicable policy schedule and a state-specific quote. Individual application with health questions. Underwritten by Tier One Insurance Company and administered by Aetna Life Insurance Company.
Fictional educational example. It does not represent a customer, approved claim, guaranteed payment, premium, or personalized recommendation.
What to review
Clarity before commitment.
Age and health answers affect eligibility and plan assignment.
Modified plans limit non-accidental death benefits in early policy years.
Policy loans, exclusions and rider conditions may affect benefits.
Ask for the exact policy or certificate, state-specific premium and effective date before making your decision.
Know before you choose
Good questions. Clearer choices.
Is a physical examination required?
Aflac describes an application using health questions without a physical exam.
Are all plans immediately payable in full?
No. Modified plans have limited early non-accidental death benefits.
Must proceeds pay for a funeral?
Beneficiaries can use the benefit for other needs.
Related coverage
Continue exploring.
Product and service references: Official Aflac source 1 ↗, Official Aflac source 2 ↗. Reviewed October 12, 2026. Confirm current policy documents with an advisor.
A conversation changes things
Let’s make your
next step a clear one.
Tell us what you want to protect. HQINS can help you explore Aflac coverage, understand the details, and discuss the options available to you.
HQINSHIGH QUALITY INSURANCE SOLUTIONSYour contact cardChino Hills, California
13925 City Center Drive, Suite 267Chino Hills, CA 91709View office address on Google Maps ↗Save HQINS to your contacts