Burial insurance or final expense insurance provides life insurance coverage until age 100 to cover funeral and end-of-life expenses. It has simpler application and qualification processes than other life insurance policies. The policies provide flexibility for beneficiaries to use the funds for expenses associated with a loved one's death, including funeral costs, travel costs for out-of-town family, and other costs that can add up. Final expense insurance also offers fixed premiums, cash value accumulation, and permanent coverage making it a wise investment for the future.

1. 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

2. 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

3. 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

4. 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

5. 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

6. 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?

7. 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

8. 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