Complete our form to learn how a Final Expense plan can offer you peace of mind.
Upon a family member's death, there are a myriad of decisions to be made by the surviving loved ones—some potentially very costly. Save your loved ones the stress of paying your end-of-life expenses. It's important to understand if you're receiving all of the final expense benefits you are eligible for. Our new brochure, New Government Changes and Benefits for Seniors Receiving Social Security, is now available. It includes information on government final expense benefits that many people are not even aware they are qualified to receive.Be sure you have the best plan to care for your loved ones by completing the form below. You'll receive a free copy of our brochure and a no-obligation consultation with one of our qualified agents.
Why Final Expense?
Make a difficult time easier for your loved ones with a Final Expense Insurance Plan. And don't worry, we're here to help.Care for Your Loved Ones
Final Expense Insurance Plan allow your loved ones to use the benefits for the expenses they need to pay, as opposed to just covering burial costs. It can ensure your family experiences financial stability during a time of emotional hardship—making a very difficult time just a little easier.
Protect Your Assets
A Final Expense policy can protect your family's assets and livelihood. A funeral in the U.S. costs between $7,500 to $20,000. A Final Expense policy can cover this expense as well as other costs, such as medical bills, probate or legal fees, and expenses other policy types don't cover.
Get Dependable Benefits
Final Expense premiums never increase, and the policy’s death benefit never decreases unless you borrow against the policy’s cash value. A Final Expense plan can give you a sense of security, knowing the money will be there for your family when they need it.
Important Features
Most final expense plans have the following important features:WHOLE LIFE INSURANCE
No expiration if premiums are paid.
Cash Value
Insured may be able to take out a policy loan.
Fast Approvals
Coverage can often be issued in days through an easy application process.
Simplified Issue
Usually no medical exam is required, just complete health questions on the application.
Fixed Premiums
Once your policy is approved, your premiums will never increase as long as they’re paid.
Affordable Rates
Plans are popular with seniors because of the affordable price and smaller benefit amounts.
Final Expense Insurance, also known as burial insurance, is a type of life insurance created to help people pay for their final expenses. It can alleviate the financial obligations a family faces when a loved one dies and offer the insured much needed peace of mind.
WILL YOUR LOVED ONES BE PREPARED WHEN YOU PASS?
Or will you leave your loved ones a financial burden? Twenty one percent of all Americans say they don't think they will have sufficient funds available to pay their debts— including car payments, credit cards, mortgages and student loans when they die.
FUNERAL EXPENSES
Many times you'll hear people say that the average funeral costs is around $8,000. However, funeral prices, like everything else, have increased with inflation. Today the average American traditional funeral costs between $7,500 and $20,000. This price range includes the funeral home services, expenses, cemetery plot, burial services, headstone, and post service expenses.
CREDIT CARD DEBT
Most Americans from the ages of 45-75 years of age have on average $6,000 and $9,500 of credit card debt when they die. Without making preparations to repay these balances, your loved ones will be faced with this burden of debt.
UNPAID TAXES
Will you owe taxes when you die? The IRS can assert a lien against the assets of your estate. A federal tax lien along with other debts must be satisfied out of these assets before any of the property can pass to the heirs.