Plan For The Future

Could You Insure Yourself For Your Funeral Expenses?

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To avoid an additional worry

you can cover your expenses funeral homes for you and your family members

The loss of a loved one causes great emotional suffering and coping with such pain is very difficult for relatives. A funeral is a way to honor and celebrate the life of that person who left this world.

Have you ever wondered the following:

Would there be enough money for my family to cover my funeral expenses without affecting their pocket?

You may end up leaving a big financial burden. These are completely unexpected situations. Plan your future in the face of the inevitable, you can consider a final expense insurance.

What is final expense insurance?

Burial insurance, also known as final expense or funeral insurance, is a small whole life insurance policy with affordable premiums designed to pay for funeral expenses and other burial expenses.

Key Features

  • It does not require medical examinations.
  • Easy to rate.
  • Some health conditions are accepted.
  • The benefits usually range between $2,000.00 and $50,000.00.
  • All policies are permanent and the insured is covered for life.
  • The monthly premium is fixed it never changes.

How Does

The Final Expense Work?

These types of policies are permanent plans designed for people between 50 and 85 years of age.

There are only a few health questions to answer and most clients are approved the same day. Whole life insurance or final expense is the only thing in the world that gives families the peace of mind that expenses will be covered when a loved one passes away. Final expense insurance will give your loved ones the money needed to pay for your funeral costs, so they don‘t have to take the funds out of their own pocket.

Is the final expense right for me?

The benefits of the final expense are perfect to help with a huge debt of unplanned expenses. Family is the most important thing in life, when a loved one passes away, many things should be considered, such as:

Medical bills, Ceremony, Embalming, Cremation, Preparation

Talk to one of our licensed specialists and he will help answer all your questions about covering funeral expenses and more.

To be buried in the country of origin

Many people choose to be buried in the country in which they were born or in the homeland of their family, but there are often several expenses that need to be considered in advance.

In addition, many families have to find a way to transport the ashes of a loved one to another state or another country, to bury them wherever they request. But taking remains to another country makes the grieving process even more difficult. For those who have a final expense insurance, this process can be much less worrisome and if it is organized in advance, so that your loved ones can focus on healing.

Frequent Asked

Questions

How much coverage do I need?

There are several types of health insurance options for individuals looking for coverage. Several key factors will determine which type of coverage is best. Here are some options:

 

  • ACA Plans for individuals and family are one of the more popular types of options available, since they meet the requirements of the Marketplace regarding all 10 essential health benefits. This is a complete health insurance plan offered to those who fall into specific income brackets. Having a lower yearly income results in a more affordable health plan for the customer.

 

  • Off-exchange plans for individuals and family are very similar to ACA plan options but do not consider yearly income when calculating the monthly premium. Individuals enrolling in off-exchange plans will pay full price since these options do not include tax credits offered by the federal government.

 

  • Short Term Medical (STM) plans are temporary health insurance options designed to provide individuals with coverage for a limited duration, typically ranging from a few months, up to 2–3 years. Great option for those between jobs or waiting for employer-sponsored benefits to begin.
How much does cremation cost?

Selecting the right health plan depends on the needs of the individual. One specific plan is not the best for anyone since each person's health condition comes with different needs. Some key factors to consider when selecting the right health plan:

 

  1. Do you need to check if your medications are covered?
  2. Do you need coverage only for annual check-ups or for more frequent visits?
  3. Do you have a preferred doctor you would like to use?

 

Answering these questions can help guide you in the right direction when choosing a health insurance plan.

What is involved in a traditional funeral service?

Not all health plans comes with the same benefits or have the same coverage. It is important to review this information with your insurance agent since these benefits can change from year to year. Depending on which coverage you choose, you could have more benefits than other options.

When and how can I make my payments?
  • Deductible: is the amount you pay towards covered health care services before your insurance plans starts to pay. A lower deductible plan is better but may come with higher monthly premiums.

 

  • Out-of-Pocket Cost: is the most amount you pay for covered healthcare services in a plan year. After reaching this amount on deductibles or co-pays, your health plan pays 100% of the cost of covered benefits.
How do I determine how much I will pay for my funeral expenses plan?
  • Deductible: is the amount you pay towards covered health care services before your insurance plans starts to pay. A lower deductible plan is better but may come with higher monthly premiums.

 

  • Out-of-Pocket Cost: is the most amount you pay for covered healthcare services in a plan year. After reaching this amount on deductibles or co-pays, your health plan pays 100% of the cost of covered benefits.
Next Steps
At the moment there is an agent waiting to answer any questions you may have. Start planning for your future with a final expense insurance plan now. Our agents understand the concerns involved and will design a plan that will cover all your needs. Have the peace of mind knowing that there is a plan for your loved ones.