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Level Benefit Policy explained. 

Good health pays! An approved level benefit policy client will receive day one instant coverage thus No two year waiting period is required. If you answered NO to all the health questions listed on the application. The top final expense carriers if approved will rate you as preferred. Meaning the coverage is from day 1 and you may have a lower monthly payment

Graded Benefit Policy explained for a funeral

This is the middle tier option. What triggers this eligibility is a yes answer on the graded portion of the application. A graded policy pays out a lower percentage in the first year approximately 25% to 40% depending on the insurance carrier. If death occurs past the first year but before the 24 month. The burial policy pays 50% to 70% depending on the carrier if approved.

Modified Policy explained for interment

Modified burial policies have a two year waiting period. The trigger is an answer on the health questionnaire portion of the application. What does this mean? Well if you pass away prior to the 2 year modified waiting period. Monthly premiums paid into the policy will be returned to the primary beneficiary plus interest. The interest can range between 7 to 10% the first year and 10 to 20% the second year.

Guaranteed Issue for burial insurance

This policy does not require any health questions because a Guaranteed issued policy with a two year wait. Monthly payments are a bit higher but some coverage is better than none.

What if I have medical conditions

Even with medical conditions we should be able to place you with a final expense plan

Several final expense insurance companies have very progressive underwriting. So please don’t worry about the health questions. Just answer the questions honestly and we will recommend to you the best carrier for placement. This will take place over the Phone.

What’s The Best Burial Insurance For Seniors

A final expense whole Life Insurance policy for a burial plan is the best in my option.  This type of funeral plan will last for the rest of your life. As a consumer in the finial expense market. A term policy is Not the best option for a permanent problem.

Why Not Term Life Insurance For A Burial

A term policy is temporary policy with a time limit. The nice thing about this product is, one could obtain more coverage for less monthly premium compared to Whole life policy. The draw back is monthly rates could increase every 4 to 5 years. Plus the policy holder may need to qualify again after entering a new age group.  Approximately 2% of term policy holders will die before the term which means 98% of policy holders will out live the product. Unfortunately that mean the client will lose all of the money paid into the term life insurance policy.      

Death With Dignity

Planning for your final wishes or at lease having a burial insurance policy will help the family out tremendously. Death with dignity is the upmost importance and having a funeral plan is a must.  Have you ever scene people on the Main street in your city holding up cardboard signs for donations? Reading please help RIP mom. Most likely their family member did not plan for this not so pleasant topic.  Unfortunately now days people are living pay check to pay check. So an untimely death could cause a financial hardship on a families. You do Not want to leave a burden with your love ones and planning is critical. 

Can I get burial insurance on a fixed income

Majority of our final expense insurance clients are on a fixed income. Their benefit payment dates range from the first to the third of every month. The last thing our clients want is a surprise in a monthly payment increase. That’s why we will find the most affordable permanent burial policy within your budget. 

What’s the average cost of a burial policy 

The average monthly payment of a burial insurance policy range from $30.00 to $60.00 a month with a death benefit starting at $2,500 to $35,000. These numbers will very depending on the carrier, clients age, health and needs. 

One major benefit of a Final expense whole life insurance policy are the fixed rates. Interment prices are locked in from day one so monthly payments will not increase. Plus benefits will never decrease.

Best part no medical exams are required and no agent home visits as a result making the process on obtaining a funeral plan easy.

How much is a cremation

Majority of direct cremations with no additional services needed will cost between $700 to $1,500 as a result this is a basic service package but pricing will depend on the selected crematorium facility and the State services are rendered in. Ask for a price list most states require the crematorium to produce the list upon request. Cremations with memorial services with cost most families between $3,000 to $6,500 depending on the crematorium facility and chapel. Location will also play a factor in the pricing.

How much is a Burial

The average cost of a traditional burial is approximately $8,000 to $14,000. This number takes in account for the cemetery plot cost as well. Many times literature on websites are priced out between $7,000 to $9,000 but it typically does not include the plot cost as a result experts project in 10 years the cost for a burial due to inflation will cost up to $20,000.