Straight answers.
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Planning
Is it really free?
Yes. The planner and your plan are always free, whether you protect your wishes with coverage or not.
How long does it take?
The main decisions take about ten minutes. Add the details, like music or who speaks, whenever you like.
Can I change my plan later?
Any time. Wishes change, and your plan should too.
Can I plan for someone else?
Yes. You can plan for someone you love, with their blessing, or invite them to plan side by side with you.
Do I need to choose a funeral home?
No. Any funeral home can carry out your plan. Your family can choose one when the time comes.
Protecting your wishes
What is final expense coverage?
A policy that pays a set amount to the person you name. They use it to carry out your plan, so no bill is left for your family.
Do I have to buy coverage?
No. You can plan, print and share your wishes without ever protecting them.
Is the price locked in?
The coverage amount is fixed. Funeral prices tend to rise, so we suggest a little extra.
Is there a waiting period?
Some policies pay the full amount only after the first [two] years. You'll see this plainly before you apply. [TO CONFIRM]
What is travel protection?
If death happens 75 or more miles from home, anywhere in the world, SepioGuard brings you home. It's a one-time $499, for life, and separate from your coverage.
Privacy
Who can see my plan?
Only you, and the people you choose. You decide who sees it now, and who sees it when it's needed.
Will you call me?
No. We don't make sales calls, and we'll only reach you in the ways you choose.
Can I delete my plan?
Yes, any time, from your account.
Families
How will my family find my plan?
Share it with them, and name who's in charge. They can open it from For families with the email or phone you shared it with.
Does the coverage go to the funeral home?
It pays the person you name, who pays the funeral home they choose. Once your policy is issued, you can also assign it to a funeral home, so they're paid directly.
What should my family do first?
Very little has to happen right away. When the time comes walks through the first hours and days.