This document discusses the importance of planning and funding for one's final expenses. It notes that while death is certain, planning can make things easier for loved ones. It provides estimates of common final costs and explains how funding arrangements can help reduce estate settlements, taxes, medical bills, and be a last gift. Statistics are given showing that while hospital, surgery or nursing home insurance may not be used, final expense insurance is a 100% certainty that will be used. Contact information is provided to help agents succeed in assisting seniors with final planning.

1. Planning for your final expenses Presented by:

2. FINAL EXPENSE FUNDING It is human nature for people to follow trends, and final expense funding is clearly an idea whose time has come. Thousands are waking up to the realization that their final arrangements are not something to be left to their loved ones. It is your responsibility; it is my responsibility. Every person on this green earth should pre-arrange and fund for their final expenses, regardless of age, sex or beliefs. None of us are exempt from death, but we can all make things much easier for those we love when the time comes.

3. How much could your final expenses cost? Sources: New Jersey State Funeral Directors Association, 2002 survey: National Center for policy Analysis “How Much Does it Cost to Die” (2002); Federal Estate and Gift Tax Reports Commerce Clearing House; Probate Based on average estate of $50,000.

4. Most people believe that Final Expense plans are used for the Funeral… Consider these Contingencies: May reduce costly estate settlements or probate fees May help with left over income taxes Long term care costs Unpaid loans, bills or misc. debts Last gift to Grandchildren Eases the burden on family members Assurance that your wishes will be respected

5. Insurance Statistics 1. Hospital Insurance 50% Once we turn 65 we have a 50% chance of ending up in a hospital overnight and a 50% chance of not. This is how insurance companies make money!

6. Insurance Statistics 2. Doctors Insurance 50% Insurance companies know that only 50% of the people are going to have surgeries, therapies, and treatments of any major consequence. The other 50% may only see a doctor once a year and may rarely use it.

7. Insurance Statistics 3. Nursing Home Insurance 50% …and then you have nursing home insurance. We know that once you turn 65, there is a 50% chance of going into a nursing home and a 50% chance of not.

8. Insurance Statistics 4. Final Expense Insurance 100% Will Rogers told us a long time ago, that “There’s two things in life that are certain—death and taxes!” So what we do know is that we are going to use our final expense insurance where these other insurances you may never use! Let me show you what your choices are…

9. At Senior Marketing Specialists we have one goal: to do everything we can to help the independent agent become successful in the Senior Market. 1-800-689-2800 http://smsteam.net/