Final Expense Nursing Benefit

This is an innovative rider that you can

 attach to your policy for a small

additional premium. This benefit will 

give you the assurance that your

premiums will be waived should you be

 confined to a nursing home. This

can help relieve any added stress to you

 and your family and will ensure

that your policy will continue on and

 that it will be there for your loved

ones so that your legacy continues even

 after death.

 

 

Waives payment of policy premiums if you 

become confined

in a qualified nursing home2

Issue Ages 50 – 85

Coverage through the life of the life insurance policy to which

this rider has been added at an additional charge

1 Policy Form No. 9984. Available only on the Immediate Death Benefit Plan.

Not available in all states.

2 Confined continuously for a waiting period of 90 consecutive days before benefit begins.

Benefits are not retroactive and policy premiums must be paid during the waiting period.

American-Amicable Life

Insurance Company of Texas

IA American Life

Insurance Company

Occidental Life Insurance

Company of North Carolina

Pioneer American

Insurance Company

Pioneer Security Life

Insurance Company

 

Final Expense Policy

A Final Expense policy is simply a life insurance policy generally designed to help families handle all the expenses they will be responsible for in handling their loved one’s wishes when they die. They are generally permanent policies that do not expire as opposed to Term insurance plans that are temporary and expire at a specific age or length of time. Most companies offer these plans to individuals in the 50-85 age bracket. The death benefit is paid directly to the beneficiary the insured selects, tax free. Policy face amounts can range anywhere from $1000 to $40,000 or more depending on the life insurance carrier. Rates are usually based on age, gender, whether you use tobacco or not, and your health history. With funeral costs averaging $10,000 or higher, it’s important that families are aware of what their loved one’s wishes are regarding final arrangements so they can select the correct death benefit.

 

Are all Final Expense Policies the same?

Most companies that write this type of life insurance coverage offer some form of permanent plan that will be guaranteed renewable for your lifetime---you can’t out live it. Generally, this is a whole life policy as opposed to a form of term insurance which has a life span of its’ own. The last thing you need to find out is that you have just “out-lived” your term insurance and may not be eligible for a new policy.

There are companies offering policies with no health questions asked and no medical exams or blood and urine testing required. You may have seen TV commercials or received offers in the mail advertising these plans. Be careful, these guaranteed issue (you can’t be turned down) plans are usually more costly because the insurer is accepting risks with no questions asked and must charge a higher rate to everyone in order cover their risks. You may be better off purchasing a policy where you are being asked about your health history. Some companies will offer you plan options based on your answers to health history questions. Three possible plan solutions could be:

1. A standard Whole Life Policy with a level death benefit from the first day of coverage

2. A Graded Policy which may pay a reduced death benefit during the first few years of coverage then increasing to the full amount after that time has elapsed.

3. A Modified Whole Life Policy that would pay a death benefit of only the amount of premiums paid on the policy plus compounded interest during the first few years of coverage then the full amount after that time has elapsed.

Most plans would pay the full face amount of the policy if death during the early years was due to an accident. Consider your options in making these important decisions regarding your final expense life insurance.

As Seniors/Boomers we do have choices regarding how we want to protect our loved ones and ourselves when it comes to handling our final expense wishes. I think our generation has adopted an attitude that we are not going anywhere any time soon. So much for wishful thinking! Take the time to plan for it before it’s too late and our loved ones are burdened with the responsibility.

 

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Estimating Final Costs for Final Expense

Planning your last expenses requires a careful consideration of all your final needs. Consider how you want to be remembered, where your final resting place should be, whether you wish to be buried or cremated and what type of casket or urn you prefer. Talk with a licensed, reliable funeral director in your community about the cost of the services you require. A funeral director will give you a list of the services and products that it provides. The value of your insurance policy should cover the expense of the package you choose, plus any additional costs.

The most basic, economical option is generally an immediate burial plan. An immediate plan may a modest service at the graveside and a simple casket. The expense of a viewing is not included in most immediate burial policies. The costs of the plot, a headstone and flowers must be paid for separately and should be included in the estimate you give your insurance provider. An immediate plan may be purchased with either burial or cremation.

A traditional full service option, including a viewing, a hearse, a formal ceremony and entombment and cremation is more costly than an immediate or direct package. When you consider the costs of a package, you must take every extra expense into account in order to arrive at an accurate estimate of your financial needs. Your final expense insurance benefits can include the costs of preparatory tasks like washing, dressing and embalming. A procession, limousines, flowers and a wake can also be included.

Although most mortuaries offer packages with a pre-determined set of services and products, you have the alternative to choose only the options that you want. The overall expense of the ceremony, casket, entombment, plot and other options will represent the value of your final expense insurance policy. When you're buying insurance, it's important to have an accurate estimate of the amount of coverage you need to avoid leaving your loved ones with these financial responsibilities.

 

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     http://www.finalexpensegroup.com/

8 REASONS WHY YOU SHOULD PURCHASE FINAL EXPENSE PLANS

1. The reason you purchase Final Expense coverage is not for   yourself, it’s to

    take the “Financial Burden” off your loved ones during a very stressful time.

2. The benefits go to your beneficiary “Income Tax Free”!

3. Your beneficiaries can use any funeral home you or they select!

4. The insurance company check may come direct to your beneficiary, or be

     assigned by your beneficiary to the Funeral Home!

5. Nursing Homes, Hospitals, and other creditors cannot access

your beneficiary’s benefits.

6. You can decide and communicate how you want your final

arrangements handled.

7. This policy will give “You and Your Loved Ones” Peace of Mind!

8. The Longer you wait, the more it costs!

 

Take action Now!

 

Take a Free Quote Now!!!!

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        http://www.ensuritygroup.com/

     http://www.finalexpensegroup.com/

Final Expense(Spanish)

¿Por qué necesita un seguro para sus  gastos finales?

• Los funerales so
  n de las compras más costosas que realiza una familia. Un funeral tradicional, incluido el ataúd y la cripta,cuesta alrededor de $6,000, aunque los elementos adicionales como las flores, los avisos del obituario, y las lápidas pueden agregar miles de dólares al cos total. Muchos funerales pueden costar más de $10,000.

• El Seguro Social efectuará un pago especial único de $255 para los dependientes que reúnan los
  requisitos, si satisfacen determinados requisitos laborales.2 La Administración de Veteranos sólo
  pagará $300 para los gastos de sepelios y funerales, si reúne los requisitos.

Si muere mañana, ¿sus seres queridos
podrían pagar los gastos?

• Lápida y grabado
• Ataúd
• Uso de instalaciones de vista y/o ceremoniales
• Cargos de servicios funerales profesionales
• Traslado del fallecido a la funeraria
• Avisos del obituario
• Costo del certificado de defunción
• Embalsamiento
• Flores
• Coche fúnebre
• Cripta
• Terreno del cementerio
• Abrir y cerrar la tumba
• Trasladar o recibir al fallecido desde un lugar fuera de la ciudad
• Cargos legales

Reasons why FINAL EXPENSE is important

   8 REASONS WHY YOU SHOULD PURCHASE FINAL EXPENSE PLANS

1. The reason you purchase Final Expense coverage is not for   yourself, it’s to take the “Financial Burden” off your loved ones during a very stressful time.

2. The benefits go to your beneficiary “Income Tax Free”!

3. Your beneficiaries can use any funeral home you or they select!

4. The insurance company check may come direct to your beneficiary, or be assigned by your beneficiary to the Funeral Home!

5. Nursing Homes, Hospitals, and other creditors cannot access your beneficiary’s benefits.

6. You can decide and communicate how you want your final arrangements handled.

7. This policy will give “You and Your Loved Ones” Peace of Mind!

8. The Longer you wait, the more it costs!

 

Take a Quote Now! CLICK HERE 

 

http://www.finalexpensegroup.com/

 

http://www.ensuritygroup.com/

Final Expense Plans

Trusted Seniors Specialist and Insurance plans

Different from Long Term Insurance, hospital Indemnity plans or annuities, Final Expense Plans are design to cover the cost of the funeral and memorial service. These plans are often purchased by those near to death without a traditional life insurance policy in place. It is not Medical insurance or any other type of medical health insurance but can be confused with them. The Final Expense Plan is typically much cheaper than traditional life insurance, since it is designed only to cover the final expense associated with a memorial service and burial.

   It's a good idea to discuss your final expense plans with your loved ones, or who ever will be your policy's beneficiary, as well as your wishes for the type of funeral would you like to have. 

Funerals are one of the most expensive purchases many people will ever make. A traditional funeral, including a casket and vault, costs about $6,000, although extras like flowers and obituary notices can add thousands of dollars to the total cost. Many funerals can run well over $10,000..

 

TAKE A FREE QUOTE NOW!!  CLICK HERE

 

Trusted Senior Specialists and Final Expense Plans

Anyone can buy final expense insurance. Most often, however, it is purchased by those who are near to death and do not already have a regular life insurance policy in place. Many final expense insurance policies can be underwritten without the designated insured submitting to a medical exam. These no-exam policies contain higher rates for the insurance, but are still less expensive to buy than regular life insurance because of the low face value of the policy. - See more at: http://www.trustedseniorspecialists.com/final-expense-plans.html#sthash.ElaxBRrt.dpuf

Anyone can buy final expense insurance. Most often, however, it is purchased by those who are near to death and do not already have a regular life insurance policy in place. Many final expense insurance policies can be underwritten without the designated insured submitting to a medical exam. These no-exam policies contain higher rates for the insurance, but are still less expensive to buy than regular life insurance because of the low face value of the policy. - See more at: http://www.trustedseniorspecialists.com/final-expense-plans.html#sthash.ElaxBRrt.dpuf

Anyone can buy final expense insurance. Most often, however, it is purchased by those who are near to death and do not already have a regular life insurance policy in place. Many final expense insurance policies can be underwritten without the designated insured submitting to a medical exam. These no-exam policies contain higher rates for the insurance, but are still less expensive to buy than regular life insurance because of the low face value of the policy. - See more at: http://www.trustedseniorspecialists.com/final-expense-plans.html#sthash.ElaxBRrt.dpuf

Anyone can buy final expense insurance. Most often, however, it is purchased by those who are near to death and do not already have a regular life insurance policy in place. Many final expense insurance policies can be underwritten without the designated insured submitting to a medical exam. These no-exam policies contain higher rates for the insurance, but are still less expensive to buy than regular life insurance because of the low face value of the policy. - See more at: http://www.trustedseniorspecialists.com/final-expense-plans.html#sthash.ElaxBRrt.dpuf

sscan buy final expense insurance. Most often, however, it is purchased by those who are near to death and do not already have a regular life insurance policy in place. Many final expense insurance policies can be underwritten without the designated insured submitting to a medical exam. These no-exam policies contain higher rates for the insurance, but are still less expensive to buy than regular life insurance because of the low face value of the policy. - See more at: http://www.trustedseniorspecialists.com/final-expense-plans.html#sthash.ElaxBRrt.dpuf

Anyone can buy final expense insurance. Most often, however, it is purchased by those who are near to death and do not already have a regular life insurance policy in place. Many final expense insurance policies can be underwritten without the designated insured submitting to a medical exam. These no-exam policies contain higher rates for the insurance, but are still less expensive to buy than regular life insurance because of the low face value of the policy. - See more at: http://www.trustedseniorspecialists.com/final-expense-plans.html#sthash.ElaxBRrt.dpuf

Anyone can buy final expense insurance. Most often, however, it is purchased by those who are near to death and do not already have a regular life insurance policy in place. Many final expense insurance policies can be underwritten without the designated insured submitting to a medical exam. These no-exam policies contain higher rates for the insurance, but are still less expensive to buy than regular life insurance because of the low face value of the policy. - See more at: http://www.trustedseniorspecialists.com/final-expense-plans.html#sthash.ElaxBRrt.dpuf