Life Insurance

8 Very Important Reasons Why You Should Call Us

1). You may have NO COVERAGE AT ALL and you don’t want to leave your loved ones stranded, paying your final expenses.

2). You may want to ADD MORE INSURANCE to what you already have.

3). Because you want to LEAVE YOUR LOVED ONES SOME EXTRA MONEY.

4). Get a FREE EXISTING INSURANCE POLICY COMPARISON and FREE QUOTE. Don’t assume your existing policy is what you think it is. PLEASE call your existing insurance company today and find out if:

A). The policy you have cancels later in life

B). If the current value is not what you thought it was

C). If the price will go up as you get older

We cannot stress this enough! If the answer is yes to any of these 3 questions, you need to call us immediately!

5). Final Expense insurance plans are NOT TAXED and DO NOT GO THROUGH PROBATE! Your family/loved ones will get a full untaxed check within days.

6). You may be quite healthy with just a few problems like diabetes under control or high blood pressure under control, maybe taking a cholesterol medication. If you don’t have significant medical problems, you may qualify for immediate coverage at a MUCH LOWER RATE, and you won’t have to wait 2 years to be covered for passing away due to natural causes.

7). We are local and living right here in Nevada. If you want an agent that actually cares about you, you’ve come to the right place.

8). We are a “Broker” which means we do not work for just one insurance company but actually SHOP NUMEROUS INSURANCE COMPANIES. If you buy insurance from a “Captive Agent” (someone who works directly for an insurance company), you can only buy the insurance plans his/her company offers.

We work hard to fit you into the smartest, most affordable plan that conforms to your needs. We work for YOU, not the insurance company. We will take you step-by-step through the plans (from the available insurance companies) and find the one best suited for you.

Why Have a Final Expense Insurance Policy?

Funeral Insurance / Burial Insurance / Cremation Insurance / End of Life Insurance

Because It’s Smart!

It’s MATHEMATICALLY Smart to Have a Final Expense Policy

In most cases, it takes years and years and years paying into a Final Expense insurance policy before it equals what your loved ones will receive when you die. Many wealthy people understand this concept. Have an insurance company pay your final expenses, not your loved ones!

Who will be sitting in front of a funeral director when you pass away?

How will they pay?

*If you made just 1 payment and pass away, your family would be covered from the first day the payment is made!

Because Saving Money Is Hard To Do.

Who Applies for Final Expense Insurance?

Funeral / Final Expense / Burial / End of Life / Cremation Insurance

While adults of all ages can purchase final expense insurance, this type of coverage is usually attractive to seniors looking to avoid leaving unpaid financial burden to their family or loved ones with their passing. Most adults begin looking at age 45 – 50. Most insurance companies sell policies up to the age of 80 or 85. These plans are WHOLE LIFE Policies. They DON’T cancel at a certain age. Again. They DON’T cancel at a certain age. They last a lifetime provided you make the monthly payments on time.

Age and health is a big factor in determining your monthly rate (premium) for a Final Expense Whole Life Insurance Policy. As we age, the need to worry about replacing income if you were to pass and leave a young family behind changes. We begin to think about leaving our spouse or children with an expensive burial or cremation, and other monthly expenses. When one person in a relationship passes, the one left behind usually loses a social security check, but the electric, gas, water, and sewer stay the same. Sometimes folks want to replace their lost income with these policies, along with enough to cremate or bury. Most mature adults will usually get a final expense insurance policy. These types of policies pay the “beneficiary” (the one getting the check) VERY quickly and without being taxed. NO TAXES.

Is it fair to have your loved ones take time away from their busy lives to sell a bunch of your things to pay for your final expenses, or would it be a kinder gesture to have them simply cash an insurance check and let them grieve your loss?

Other mature widowed/widower adults think about their children, and don’t want to leave their kids or relatives with their final expenses (the cost of burials or cremations). We have plans that have our 3 guarantees, not just for the ultra-healthy, but also for the folks that have numerous medical problems. We can help everyone!

Please Note: Sometimes adult children will purchase a plan for their parents instead of having to pay for the actual funeral / cremation.
Many of our plans are “Simplified Issue” which means the insurance company will check your medical records and a prescription database. This type of underwriting will usually get you the best rates. Other times, if you have numerous medical concerns, you will usually qualify for a “graded” or “guaranteed issue” policy. With these plans, your monthly price will be a little higher, and you may have a waiting period (usually 2 years) for passing away due to “natural causes” (heart attack, etc.). No matter which plan you qualify for, we can still get you a policy with the 3 promises above. We’ve had folks that thought they couldn’t hang on for the 2 year waiting period…but they do! If not, your family and loved ones will get back all of the money paid into the plan as premiums, plus interest!

Why Would I Need Final Expense Life Insurance?

Funeral Insurance / Burial Insurance / Cremation Insurance / End of Life Insurance

Final expense life insurance is usually sold to mature adults, usually around 45 – 85. The insurance policy is taken out with the idea of paying for a funeral, burial or cremation, and other related costs. Because the average funeral now costs between $10,000 and $20,000 or more, and a Cremation with a simple service around $5,000, it is important to plan ahead for these costs.

Final expenses left behind by you can cause bitter feelings and financial hardship for your family.

On top of your normal monthly bills, you could be leaving behind a lot of unpaid expenses that could be devastating for your family when you pass. The cost of the obituary, storage units, trash bins, travel money for family to come to your service, medical bills, credit card debt, home repair costs, unpaid mortgage, loans, plus any back taxes on your home. There are so many things that we just don’t think about.

Funerals financed by credit cards can cause animosity and fights among loved ones.

While most people don’t like to talk about their death, it is important to plan for it. Final Expense life insurance will protect your loved ones from having to pay these costs out of their pocket, on their credit cards, having car washes, dipping into savings or trying to sell possessions in a hurry. It protects them from losing out on money they could have had without having to sell possessions below their true value!

You WILL have final expenses one day, this is a guarantee, just the date and time are unknown. The good news is that there is a smarter and more affordable way to cover these costs of one’s final expenses. This is with final expense insurance.

We All Need to Look at Buying Final Expense Insurance Differently

We don’t buy this type of insurance for ourselves, we buy it for our family so they can celebrate our life, NOT dwell on our death and the debt that accompanies it.

♦ You may not be here, but when they see the check, your family will feel your love after your passing.

♦ A Whole Life Insurance Policy is more valuable than a thing, it’s intangible – like LOVE

How Does Final Expense Insurance Work?

Funeral / Final Expense / Burial / End of Life / Cremation Insurance

These policies are permanent whole life insurance plans rather than term life insurance that “Terminates”. This means that these whole life policies do not have a specific time period of coverage. It covers you your “whole life”. So long as your monthly premiums (monthly bill) is paid, the policy will not expire.

There are different levels of Final Expense Insurance plans:

1). Level Benefit – This is EXTREMELY IMPORTANT

This means that your coverage for “natural causes” (die in your sleep, have a heart attack, etc.) OR accidental deaths are covered, the day the application is approved or the effective date of the policy.

In order to qualify for a “Level” policy, you can usually have small minor medical conditions, but bigger things like Cancer, Congestive Heart Failure or Kidney Dialysis may prevent you from qualifying for “level” coverage. You will have to apply (it’s SO important to be honest on your application) to see if you qualify for “level” coverage.

2). “Graded” or “Modified”

These plans usually have a 24 month waiting period before the full benefit is in force for “natural causes”. If you pass away in the first 2 years due to an “accident”, your policy WILL pay the whole benefit. If you die in your sleep, have a heart attack etc. (all natural causes), the insurance company WILL NOT pay the benefit, HOWEVER, the insurance company will give you back all your money you paid in premiums, plus interest. The amount of interest paid varies by insurance companies.

It’s VERY important to look at your insurance policy for the details on your graded or modified benefit for the details exactly. Some may pay 30% of the policy amount the first year and 70% the 2nd year. Again, look at your policy and ask questions before you sign!

3) “Guaranteed Issue”

These plans have no health questions. You cannot be turned down for this plan. For someone with serious health issues, this option is the way to go. The premiums will be high, but for someone who cannot get approved for any other type of policy, this will make sure your family is taken care of. You will have a waiting period for dying of natural causes the first few years. Please look at your policy for details. If you are in relatively good health, DO NOT get a Guaranteed Issue policy. You don’t need to wait 2 years for coverage for natural causes and you don’t need to donate your hard earned dollars to the insurance company.

Are You Pretty Healthy?
You may qualify for a MUCH LOWER RATE and IMMEDIATE COVERAGE!

What Are The Costs of a Final Expense Insurance Policy?

Funeral / Final Expense / Burial / End of Life / Cremation Insurance

The younger you are the lower the costs. This is why it’s important to avoid procrastinating. Your health status also plays an important factor. In some cases, smoking also plays a role, depending on the insurance company. The earlier in your life you start, the lower your monthly payment will be. It’s never too late to begin looking into the process. After the age of 85 your choices are very limited, however, and unfortunately, we are unable to assist you after age 85.

You won’t have to have blood work done, and no medical exam is needed.

Some folks tell us they want to think about it. Sadly, they really “think about it” once someone has died, or if they’ve had a stroke, or a heart attack, or their doctor has just given them some bad news. Don’t do this!

Procrastinating like this will change your monthly cost, and you may have a waiting period in your policy for passing away due to natural causes. All of which could have been avoided.

Remember, our policies come with the promise that the premium will be locked in for your whole life. Therefore, your costs will not go up – which is comforting knowing that being on a fixed budget, your rate will be constant.

Buying a life insurance policy says you cared enough about your family to handle your own final expenses.
Funeral Directors Need Payment at the Time of Service: Sometimes folks will think to themselves that they have things in their homes that the kids and loved ones can sell once they pass. We would strongly caution against this! When your loved one is dealing with your passing,how fair is it to make them try to figure out how to sell your things? And at the same time, meet with a funeral director or crematory that needs money right now! Your loved ones need time to grieve and to celebrate your life, not scramble around trying to sell your stuff! The loss of a loved one is quite a bit to deal with, and adding the extra burden of having garage sales, or trying to determine the value of your gold or silver, or sell a home in an instant, is a poor way to get the most money for your items. It’s a tremendous burden for the loved ones who are left behind to deal with.

If you’re looking for a way to pay for your funeral, burial or cremation costs, you have come to the right place!
We specialize in “Final Expense Insurance.” Final Expense insurance is whole life insurance policy that lasts your WHOLE life. It does not terminate after a set number of years.

What’s the Difference? Term Life vs. Whole Life