A couple years prior to my mom's death her insurance policy lapsed. I got her a new one but it was one of the limited benefit policies that only returns the premium with interest if the insured dies within the first 2 policy years. Needless to say we had to pull together as a family to bury mom. Now it is my mission to try to help other people avoid this scenario by providing high quality final expense solutions. After all everyone would prefer getting a check over a bill in their time of need.