Burial insurance or final expense insurance is a basic life insurance policy that covers people till they reach the age of 100.

It is an easy insurance to obtain, much simpler than complicated whole life or term policies. A burial insurance or final expense insurance policy gives your loved ones the opportunity to cover the expenses of a funeral with the flexibility to choose how to use the existing policy at the time of a loved ones death.

Besides the peace of mind that a final expense insurance policy offers, it also offers never changing premiums, a policy that accumulates a cash value and permanent coverage making it a wise investment decision for your future

WHAT IS FINAL EXPENSE INSURANCE?

Peace of mind for Seniors

Anyone who has lost a loved one, knows how difficult loss can be.

The emotions can be overwhelming, but one quickly finds how hard of a time it can be financially as well.

The cost of a funeral can add up quickly, and the last thing someone needs to worry about in such a difficult time is if they will be able to cover the funeral expenses.

That is why planning ahead to find a policy that fits your needs is critical.

For Our Loved Ones

Unlike other Whole Life Insurance with Death Benefits of $60k to $2Millions, Final Expense Insurance Death Benefit is designed to cover Burial and Funeral Expense.

Death Benefit is normally between $2,000 to $50,000

Although Funeral Expense average between $10,000 to $15,000, there or other costs associated such as travel expenses for loved ones from another state, and other costs.

Small Death Benefit

1st Day Coverage. You are fully protected the very first day your coverage goes into effect with no exclusions and no waiting period. Ease of issue. No physical exams. Based on medical history and questions.  

Premiums will never go up. Lock into a rate at your current age and the cost will never  increase regardless of changes to your health and age. Discount if bank locally.  Benefits will never go down regardless of changes to your health and age.  

Features

All Programs Build cash Values.   

Benefit is Paid TAX FREE   

Your policy can never be cancelled (as long as premium payments are made).   n Protected Asset (you will never be forced to liquidate this program)

Features

How Much Does It Cost?

RATES OF THE FINAL EXPENSE INSURANCE DEPENDS ON THE FOLLOWING:

• ARE YOU A TOBACCO USER?• ARE YOU MALE OR FEMALE?• DO YOU HAVE SERIOUS MEDICAL ISSUES?• DO YOU WANT JUST BASIC INSURANCE OR

ADDITIONAL BENEFITS?• DO YOU HAVE A BANK ACCOUNT FOR DRAFT?

Serious Medical Conditions?

Even if you have Medical Health Conditions

YOU CAN STILL QUALIFY • GRADED LIFE INSURANCE• MODIFIED LIFE INSURANCE• SUBSTANDARD LIFE INSURANCE• GUARANTEED LIFE INSURANCE

Additional Benefits = Riders

• TERMINAL ILLNESS RIDER• ACCIDENTAL DEATH BENEFITS (NO ADDED COST)• DISABILITY RIDERS• INCOME REPLACEMENT RIDERS• ACCIDENT ONLY RIDER• COMMON CARRIER RIDER• CHRONIC ILLNESS RIDER• ACCELERATED BENEFITS RIDER

Living Benefits