How Much Burial Insurance Do I Need?

Having an ample amount of life insurance can be important at any age. While those who are young and may have small children should purchase this type of protection for ensuring that their loved ones can go on financially, it is also essential for those who are older - even without anyone who is counting on them for financial support - to still ensure that they have some coverage.

One of the biggest reasons for this is so that final expenses can be paid. Final expenses can include not only the cost of a funeral, but also items such as a burial plot, a head stone, transportation, and flowers - which when all added together, can be more than $8,000 to $10,000.

A primary way to help make sure that these expenses are easily taken care of without your family or loved ones having to dip into their savings, is to purchase a good, solid burial insurance policy. (more…)

Why You Should Consider Purchasing Funeral Insurance

Life insurance is an important part of most any good financial plan. This is the case, regardless of how young or old a person is, and whether or not they have a spouse and children. One key reason for this is because most everyone will have funeral and final expenses.

Today, the cost of an average funeral can be in the range of $10,000. This is because, in addition to the memorial service itself, there are other related costs. These can typically include the cost of getting a burial plot and a headstone, as well as the cost of transportation and flowers for the decedent's service. (more…)

Affordable Burial Insurance Policies

There are a multitude of reasons for the purchase of a life insurance policy. These can include the replacement of income upon the death of a breadwinner, the repayment of debt such as a large mortgage balance, or even the payment of expenses such as a future college education for a child or a grandchild.

Although not all people have the very same insurance needs, there is one expense that nearly everyone will one day be faced with - and that is the cost of a funeral. Today, the cost of the average funeral across the United States is approximately $10,000 - an amount that many families and loved ones just simply do not have readily available to pay off these expenses. This is why having a burial or funeral insurance policy in place can offer the funds to pay these costs - along with peace of mind. (more…)

Final Expense Insurance Policies

People purchase life insurance for any number of different reasons. For some, it is to replace income, and for others it is to pay off debts. For many, however, the reason is to pay the high cost of their funeral and other related costs - and for this reason, many individuals will purchase final expense life insurance. (more…)

Group Life Insurance Policies

In its basic sense, life insurance is a contract between an insurance company and an insured person that is designed to provide money if the insured person passes away. Individual life insurance policies are meant to protect the life of a specific term life insurance policies

There are three entities involved in an individual life insurance policy – the owner, the insured, and the beneficiary. The owner of an individual life insurance policy is the one who has the rights that are stipulated in the contract. Oftentimes, the owner of an individual life insurance policy is also the insured, but this is not always the case.

The insured is the person whose death causes the insurance company to pay the death benefit or face amount of the policy. These proceeds are paid to the beneficiary. There can be more than one beneficiary.

Although there are some instances where life insurance benefits are taxable, in most cases, the benefit amount received by your beneficiaries from a life insurance policy is considered to be income tax-free.

Group Life Insurance

Group life insurance is a type of life insurance in which a single contract covers an entire group of people. This coverage will provide a benefit to the policy beneficiaries if the covered individual dies during the defined period of coverage. This can help to ensure that the insured's loved ones have enough to pay for final expenses, unexpected medical bills, or other bills – even those for necessities like food and utilities – if the primary income earner passes away.

Typically, the owner of the policy is an employer or an entity such as a labor organization. The policy covers the employees or the members of the group. The employer has the right to change or to cancel the coverage at any time.

Group life insurance differs from individual life insurance in that it covers an evolving group of individuals. As employees or members of the group change, the demographics of the group may also change, but the rate and benefits remain the same.

Group life insurance is often provided as part of a complete employee benefits package. In many cases, the cost of group coverage is less than what the individual employees or group members would pay for a similar individual life insurance policy with the same amount of coverage.

When a group benefits plan is initiated, enrollment forms are used to collect information, benefit elections, and beneficiary information from the employees. Once the employees have enrolled, benefit summaries are issued to show the highlights of the benefit plan. These summaries help to simplify the explanation of the benefits that insureds are entitled to.

Insurance companies create benefit summaries for all coverages. And, benefit summaries are used in employee enrollment meetings and benefit fairs. Since most insurance coverage entails lengthy documentation, benefit summaries can make it easier to read about coverage because they simplify the communication process.

Group life insurance policies can be paid for by the employer, the employees, or a combination of the two. If the company or employer is paying for the benefit, it is called an employer-paid plan. If the employees are paying for the benefit, it is called a voluntary plan.

The employer or entity organization keeps the actual insurance policy, which is known as the master contract. Normally, all of those individuals who are covered will receive a certificate of insurance that is provided by the employer or organization. This certificate serves as proof of insurance. However, it is not the actual insurance policy.

When group term life insurance is provided through an employer, the employer may pay most, and in some cases all, of the premiums. The amount of coverage is typically equal to one or two times an employee’s annual salary.

Group term life insurance remains in force until a person's employment is terminated, or until the specific term of coverage ends. At that time, the insured would have the option to convert the group life insurance policy to an individual life insurance policy. However, the individual premiums tend to be much higher than the group premiums for the same policy.

One of the attractions to employers and groups of group term life insurance is its affordability. Because the life insurance policy covers a broad group of people, it is relatively inexpensive for each individual person. This is because the risks are spread out among a larger group of people. Therefore, the insurance company can afford to charge a lower premium than it would for many other types of life insurance policies.

A second feature that makes group policies very affordable is that they typically have no medical exam.  This means they are a good option for individuals who would normally be classified as a high risk policy, because they can get much more affordable coverage by being considered part of a a group.

Group term life insurance, like any other term life insurance policy, must be renewed every so often, or it will expire. At that time, a premium adjustment may be required by the insurance company. In most cases, the employer or group administration – typically the human resources department – will take care of this without individual employees or group members being involved. However, if the participant contributes to a portion of the premium, he or she will be notified and given the option of whether or not to renew the policy.

How Group Life Insurance Policies Work

Group term life insurance is a foundation of insurance protection for employees and their families. It provides protection for a specific period of time and pays a benefit if the insured passes away during the term of protection. This base level of protection can be enhanced by the person's personal savings, individual life insurance proceeds, and / or Social Security death benefits.

The death benefit from group life insurance is paid income tax-free to the insured's beneficiary. This can provide loved ones with an emergency fund, allowing them to use individual life insurance and other funds for longer-term needs.

Often, especially when the primary income earner in a family dies, their loved ones must drastically change their lifestyles due to this loss of family income. Life insurance can help prevent family from having to endure the loss of a loved one and the hardship of being unable to pay rent or a mortgage, utilities, and other necessities. Without life insurance, loved ones are often forced to sell their home or make other drastic lifestyle changes.

The most common form of group life insurance is term insurance. Typically, it is provided in the form of yearly renewable term. Often, the life insurance coverage provided by most group plans is one-year term. The plan comes up for renewal each year, and both the insurance company and the employer or group have the opportunity to consider whether or not to continue it. For the insurance company, this is also a good time to revise the rates.

The primary feature of a life insurance policy is the death benefit it provides. Term life insurance policies provide coverage within the time specified in the contract. After that time period, protection expires, and no death benefit is paid, unless the policy is renewed.

Just as with an individual life insurance policy, group life may offer other features, too - often referred to as riders - that may be added on to the policy that provide additional benefits to either the insured or to the named beneficiary on the policy.

25 Year Term Life Insurance

When shopping for life insurance coverage, it is important to purchase the correct amount of protection in order to ensure that your loved ones and survivors are not left with financial hardship in the event that they must pay for final expenses, estate taxes, and / or ongoing income.25 year term life insurance policy

It is also essential that you purchase the right type of life insurance coverage. Although life insurance pays out a death benefit upon an insured's passing, not all policies will work in the same manner.

Types of Life Insurance Coverage

Today, there are two primary types of life insurance that are available in the market. These include term and permanent. Although both provide death benefit protection to a named beneficiary on the policy - each works in a very different manner.

Term Life Insurance Policies

Term life insurance policies are oftentimes said to be the most basic type of coverage that there are. This is because, with term, you get just pure death benefit coverage without any cash value or investment build up. Because of this, term life insurance is usually very economical in terms of its premium cost.

Just as its name implies, a term life insurance policy will last for a certain amount of time - or term. Typically, this will be for five years, ten years, 15 years, 20 years, 25 years, or even 30 years. Once the period of time has elapsed on a term life insurance policy, the plan will expire. At that point, if the insured wishes to continue having coverage, then he or she will either need to reapply for a plan, or convert over to another life insurance policy.

Policies such as the 25 year term or the 30 year term plan are oftentimes used for those individuals who have longer term coverage needs, but who do not necessarily need or want the cash value build up that a permanent life insurance policy can provide. These can be used in paying off a mortgage or other longer term need should the insured pass away while there is still a balance.

In some cases, a term life insurance policy will have what is called a conversion feature. Here, the policy can be converted over to a permanent life insurance policy - usually without the insured having to prove his or her evidence of insurability.

While term life insurance policies are usually less expensive when an applicant is young and healthy, they can become quite expensive if applying at an older age. Therefore, it is important for individuals to carefully shop around if considering a term life insurance policy at an older age.

There are a variety of different riders that can be added to a term life insurance policy that can help to enhance a policy holder's coverage. Some of these can include:

Permanent Life Insurance Policies

A permanent life insurance policy will offer both a death benefit, as well as a cash value component. Unlike a term life insurance policy that has a set time limit on the policy such as 20 or 25 years, a permanent life insurance policy will last throughout the entire lifetime of the policyholder - provided that the premium continues to be paid.

In addition, the amount of the premium on a permanent life insurance plan will typically be guaranteed throughout the entire lifetime of the policy. Therefore, for someone who is on a fixed budget, a permanent life insurance policy may be a good option - even though these policies will oftentimes start out with a higher premium cost than a comparable term insurance policy with the same amount of death benefit.

The cash that is in the cash value component of a permanent life insurance policy will be allowed to grow on a tax deferred basis. This means that it will not be taxed on the growth of the funds unless or until it is withdrawn. This can allow the funds to grow and compound exponentially over time.

The policyholder is allowed to borrow or to withdraw the funds that are in the cash value for any need that he or she sees fit. This can include paying off debts, paying for a child or a grandchild's college tuition, or even taking a nice vacation - and, the money is not required to be paid back. Any amount of an unpaid cash value balance, however, will be charged against the death benefit that is paid out to the policy's beneficiary at the time of the insured's death. Therefore, if the beneficiary is counting on a certain amount of money for paying off bills of the insured, it will be important to repay a cash value loan or withdrawal as soon as possible.

There are many different types of permanent life insurance policies. These can include whole life, universal life, variable life, variable universal life, and a newer type of policy, indexed universal life insurance.

How and Where to Get the Best Quotes on 25 Year Term Life Insurance Coverage

When shopping for life insurance quotes on 25-year term policies, it is typically best to work with a company or an agency that has access to more than just one life insurance carrier. This is so that you can more directly compare the policies, the benefits, and the premium prices of multiple carriers - and then to decide which of these will be the best for you and your situation and needs.

If you are in the market for 25-year term life insurance coverage, we can help. We work with many of the best life insurance carriers in the marketplace today, and we can assist you with obtaining all of the pertinent information that you need for making a more informed buying decision. We can do so for you quickly, easily, and conveniently - all from your home computer, and without the need to meet in person with an insurance agent. When you are ready to begin the life insurance comparison process, all you need to do is just simply <Click Here Now>.

Should you determine that you have any additional questions regarding 25-year term life insurance coverage, our experts can assist you with any concerns in order to ensure that you are well prepared prior to moving forward. We can be reached directly via phone, toll-free, by calling 877-235-9299.

We understand that purchasing life insurance can seem a bit overwhelming. There are so many variables to keep in mind - and you want to be sure that you are buying the proper coverage for the needs of you and your loved ones. Before moving forward, know that you have an ally on your side. We can help you with important decisions such as how much coverage you need, and which of the many carriers in the marketplace will fit your needs the best. So, contact us today - we're here to help.

Buying Life Insurance with Bad Health

When purchasing life insurance, there are many different variables that go into consideration by the insurance company's underwriters regarding whether or not you will qualify for the coverage. One of the biggest of these is your insurance with bad health

For many people, qualifying for a life insurance policy is fairly straightforward. It is simply a question of completing the information on the application for coverage, and then undergoing the paramedical examination, which entails submitting a blood and urine sample. These samples are tested by the life insurance company for various health conditions that could deem the insurer for certain potential risks of claim.

Unfortunately, though, for some life insurance applicants, qualifying for coverage is not quite as easy. This is because of an adverse health condition. In these cases, going about applying in the traditional manner may result in the applicant being rejected for coverage. The good news is that if you've been turned down for life insurance in the past due to bad health, you still have other options.

How Life Insurers Rate Policy Holders

When life insurers review an applicant, they will take into consideration a number of different factors. Certainly, health is included. However, there are other criteria that the underwriters also factor in as well. These can include:

If an applicant has a particular health issue that puts them into a high risk life insurance category, the underwriters will typically ask more in-depth questions regarding that issue. These questions may include:

Once the underwriters have obtained all of the information regarding your condition, they will be able to make a more informed decision regarding coverage. In many cases - and especially for those who apply for life insurance with bad health - it is likely that the underwriters will need to obtain additional information from the applicant's medical professional.

Options for Purchasing Coverage

For those buying life insurance with bad health, it may seem like there aren't many options. But the truth is, there are several ways that you can go when you need this type of protection. One way to do so is to consider the purchase of a no medical exam life insurance policy. These types of policies can make it much easier for those who have bad health to qualify for the life insurance coverage that they need - without having to worry about undergoing a medical examination in order to be approved.

There are a couple of variations with no medical exam life insurance plans. For example, a burial insurance policy has just a few simple health questions on the application for coverage that will help in determining the insurability of the applicant. These questions will usually ask if the individual is a smoker, if they have been diagnosed with HIV / AIDS, and if they currently reside in a long-term care facility.

In most cases, a simplified issue life insurance policy can be issued within just a few days, as versus several weeks - or months - that it takes for a traditionally underwritten policy to be approved.

A guaranteed issue life policy will also not require a medical exam. However, these policies will also have no health questions either. Therefore, once the premium has been paid by the applicant, he or she will be guaranteed for approval and will have life insurance coverage.

It is important to consider, though, with a no medical exam life insurance policy, that because the insurance carrier is taking on higher risk applicants with these plans, the premium that is charged will be higher than for policies that are traditionally underwritten. If, however, this is the only option for obtaining life insurance coverage, it could still be well worth the premium price.

How and Where to Find Life Insurance - Even If You Have Bad Health

If you're buying life insurance with bad health, it is a good idea to work with either a company or an agency that has access to more than just one insurance carrier. There are a couple of reasons for this.

First, by doing so, you will not be locked into just one insurance company's underwriting standards. When underwriting life insurance, not all insurers will use identical criteria. This means that while you may be rejected by one carrier, you could be accepted by another. Therefore, by applying with more than one company, you can improve your chances of acceptance substantially.

In addition, applying through multiple carriers can also provide you with the opportunity to compare the different companies' policies, benefits, and premium quotes. This can help you to determine which will work the best for you, your situation, and your insurance budget.

When comparing life insurance policies, we can help. We work with many of the top life insurance companies in the marketplace today, and we can get you all of the important information that you need in order to make a more informed purchase decision. In order to begin, all you need to do is get a set of quotes by filling out the form on this page.

Should you have any additional questions as you move forward, our experts are here to assist you. We are happy to guide you with any of the information that you need, including:

You can reach us directly by calling, toll-free, 877-235-9299. We understand that the purchase of life insurance can be a big decision - especially if you have bad health, and you have been turned down for coverage in the past.

We're experts at working with high-risk cases - and can point you in the right direction up front, saving you countless hours of time and frustration throughout the entire process. So contact us today, and see how we can help you get the protection that you need, and the peace of mind that your loved ones deserve.

How to Find More Affordable Life Insurance Policies

Although many people may not realize it, life insurance can be one of the most important tools that is included in your overall financial planning "puzzle." While most people understand that saving and investing is essential for having financial security in the future, it is life insurance that can ensure the protection of those assets for your loved ones in case of the unexpected. In fact, without life insurance coverage, your loved ones and survivors are likely to have their lives changed drastically, and they could even face a major financial hardship.affordable life insurance policies

Even for those who know just how important it is to carry an ample amount of life insurance coverage, though, this type of protection can oftentimes be quite costly. This is especially the case as one ages and may run into various health conditions.

Yet, while the price of life insurance policies will generally rise due to one's increasing age and potential for adverse health, the good news is that if you know how and where to shop for life insurance coverage, you may be able to find much more affordable life insurance policies - often while still securing the same amount of protection that you need.

Types of Life Insurance Policies That Can Be Less Expensive

In obtaining less expensive coverage, one of the first key steps is to have a good understanding of how life insurance works. In doing so, just like comparison shopping for any other type of product or service, the more you know ahead of time, the better off you will be when seeking out the very best value for your premium. This will help you in comparing all of the options that you have - and in getting the very best value for your money.

Some of the most affordable types of life insurance policies that are available in the marketplace today include term life insurance and final expense life insurance coverage. Your age, health, and needs will typically dictate which of these would be the best option for you.

Term Life Insurance

In the life insurance marketplace, one of the best values for many policyholders is term life insurance coverage. One reason for this is because term life insurance provides pure death benefit protection only, without any cash value build up.

Just as its name implies, term life insurance can be purchased for a certain period of time - or term. The time period may be for just one-year increments, such as in annual renewable term life insurance policies. Or, it can be purchased for longer periods of time where the coverage - and the premium - are guaranteed, such as for five years, ten years, 15 years, 20 years, or even for 30 years.

Term life insurance can provide an excellent opportunity to obtain a large amount of death benefit protection for very little premium outlay - especially for those who are young and in good health. This may include young couples who are just purchasing a first home, new parents who are just starting a family, or new business owners who are wanting to protect their investment and not leave partners or co-owners without a way to purchase their share of the company in case of the unexpected.

It is important to note, though, that once the term of the policy has expired, the coverage on a term life insurance policy will also expire. Therefore, if the policyholder wishes to remain covered with life insurance, he or she will either need to purchase a new policy, or they will have had to convert their term policy over to a permanent type of insurance. (There are some term life insurance policies that will allow the insured to convert their policy over to a permanent form of life insurance. This typically must occur within a certain period of time. Sometimes, the insured is allowed to do so without having to prove evidence of insurability).

Should the coverage run out and the insured have to go back through underwriting again, they will often need to do so at their then-current age and health condition. If this is the case, then the premium on the new life insurance policy is likely to be higher than the premium amount on the previous coverage.

Burial Life Insurance

Another type of affordable life insurance policy is a burial policy. While burial insurance works like most other types of life insurance policy in that it pays out a death benefit in return for payment of a premium, these plans are typically purchased with the intent of using the proceeds to pay off one's funeral and other related expenses.

Today in the United States, the average cost of a funeral can be in excess of $10,000 - especially when factoring in all of the ancillary costs such as one's burial plot, headstone, transportation, flowers, and the memorial service itself.

Unfortunately, many of the loved ones of a decendent do not have this amount of cash readily available to spend for a person's final expenses. And, when there are additional final - and uninsured - medical and / or hospice costs that may also be included, the financial hardship for the person's loved ones may even get worse.

This is where a burial life insurance policy can be a good solution. These policies will typically have a face amount of between $5,000 and $50,000 - although there are some life insurance carriers that provide policies offering more.

Typically, burial policies - also oftentimes referred to as funeral or final expense insurance - are purchased by those who are between the ages of 50 and 80. Because their face amounts are in the lower range, the premiums that are charged for burial life insurance are not very high. By keeping the cost more affordable, those who are living on a fixed budget can often continue paying the premium for this protection.

Burial insurance can also be easier to qualify for than many other types of life insurance coverage. This is because many of the final expense policies on the market today do not require an applicant to undergo a medical exam for underwriting purposes. This can make qualifying for coverage easy and fast.

In addition, because many burial insurance policies are permanent coverage, the premium is locked in throughout the life of the policy. This means that you won't have to worry about the amount of the premium rising in the future. Also, as long as you continue to pay the premium, the life insurance company cannot cancel your coverage for any reason - so you know that you will have protection throughout the remainder of your lifetime, regardless of increasing age, or even of any type of adverse health condition that you may incur.

How and Where to Get Quotes on Affordable Life Insurance Policies

When seeking quotes on affordable life insurance policies, it is usually the best option to work with either an agency or a company that has access to more than just one life insurance carrier. This is because in doing so, you will be able to more directly compare, side-by-side, in an unbiased manner, multiple life insurance policies, as well as their benefits and premium prices. From there, you will be able to determine which of these will work the best for you and your specific needs.

While many life insurance policies may appear to be the same, what many people do not know is that all life insurance companies do not underwrite their applicants in an identical manner. What this means is that an applicant at one life insurer may be able to obtain a life insurance policy for a much lower premium price at another insurance carrier - for the exact same amount and type of coverage. With that in mind, it pays to shop around.

But, doing so can take a great deal of time if you have to go from one company to another. Therefore, a much better alternative is to use a company that has already done the shopping for you. When you're ready to start comparing, we can help. We work with many of the best and affordable life insurance companies in the industry - and we can assist you in getting all of the information that you need on affordable life insurance policies. When you're ready to start shopping, fill out the form at the top of this page to get your first set of quotes.

If you find that you have any questions at all, we can also assist you with your needs. We can be reached directly via phone, toll-free, by dialing 877-235-9299. Please feel free to contact us with any question or concerns that you may have.

We understand that shopping for any type of life insurance can be somewhat confusing. There are many variable to consider - and you want to ensure that you are getting the right coverage for your loved ones, along with the very best price. So, contact us today - we're here to help.


Deciding on the Right Amount of Final Expense Coverage

Although you may already have a certain amount of traditional life insurance coverage, there could still be certain expenses that you are overlooking that could put your loved ones in financial hardship should the unexpected occur, or when the time of your passing much final expense coverage

Today, final expenses - one's funeral and other related costs - could reach, or even exceed, $10,000. This is the case when factoring in items such as the funeral service itself, along with a burial plot, headstone, flowers, transportation, and obituary announcements. This is why, in additional to regular life insurance, many people will also carry final expense coverage.

What is Final Expense Insurance and How Does It Work?

Final expense insurance is a type of life insurance that is purchased for the purpose of quickly paying off final expenses. Because of this, this type of coverage is also often referred to as final expense or funeral insurance. These policies are usually purchased by individuals who are between the ages of 50 and 80 years old - although there are some insurance carriers that will offer policies to those who are in the older age ranges.

With a final expense insurance policy, your named beneficiary can quickly receive a set amount of benefit - usually between $5,000 and $50,000 - for the payment of final expenses. And, just like with other types of life insurance, the proceeds from these policies are typically received income tax-free.

As an alternative to having the benefit paid out to a family member or other loved one, some final expense insurance policies can instead be paid out directly to a named funeral home. This can make the payment of final expenses quick and convenient, allowing loved ones to focus on other things during their time of grief.

How Much Coverage Should You Have?

When considering the purchase of a life insurance plan, one of the key decisions that you will need to make is determining how much coverage will be enough. In doing so, you will want to ensure that you leave your loved ones with enough proceeds from the policy to pay off your final expenses. Therefore, getting accurate figures on how much a funeral and burial in the area of your final resting place will be is very important.

With this in mind, making calls to several different funeral homes in the area can help you to come up with an appropriate numerical figure. You should also be sure to include all of the other related costs, too, such as the memorial service, transportation, and additional items that will be included.

In some cases, final expense insurance policyholders may also add in an additional amount of coverage for costs such as potential final uninsured medical and / or hospice expenses that loved ones could be responsible for paying. Doing so can help to provide a financial "cushion" for your loved ones, just in case.

How Much Does Final Expense Insurance Cost?

The premium cost of a final expense insurance policy will be dependent on a number of different factors. These will include the type and the amount of the coverage that you end up purchasing.

Other criteria that are factored into the premium cost will include your age at the time of purchase, as well as your overall health condition. In many cases, there is no medical exam that is needed in order to qualify. However, those who are in very poor health could have difficulty qualifying for insurance. In addition, the insurance carrier that you purchase your policy from can also make a difference in the price that you pay.

What many insurance purchasers do not realize is that the price of life insurance can differ a great deal from one insurance carrier to another - even on an identical policy that provides the same amount of insurance coverage. This is why it is important to do some comparison shopping before making your final determination on the coverage that you ultimately purchase.

Where to Get the Best Quotes

Deciding on the right amount of final expense coverage is important, as you don't want to leave your loved ones with large bills upon your passing. With the high cost of a funeral and related expenses today, not having this type of insurance could put your loved ones into a real financial bind without some protection.

The good news is that you have many options available to you - even if you are not in ideal health. There are a number of different carriers that offer final expense coverage - and we can help you in determining which carrier, and what amount of final expense coverage, will be right for you.

We work with many of the best final expense life insurance carriers in the marketplace today - and we can assist you in coming up with the coverage and the premium quote that will work the best in your specific situation. So, when you are ready to move forward, all you have to do is just fill out the form on this page to receive your initial quotes.

If you should find that you still have any questions regarding how to determine the proper amount of final expense life insurance coverage - or even if you just have a quick questions about life insurance in general - our experts are here to assist you. Please feel free to call us. We can be reached directly via phone, toll-free, by calling 877-235-9299.

We understand that deciding on the right amount of coverage can seem to be a bit tricky. You want to ensure that you have enough coverage, so that loved ones aren't in a financial bind - yet, at the same time, you want to be sure that you keep the premium affordable. The good news is that we can help you to find the option that will work the best for all of your specific needs. So, contact us today - we're here to help.

How to Change the Beneficiary on Your Burial Policy

As we get older, the purpose of having life insurance can become more important. This is especially the case when it comes to covering costs like final expenses. These include items such as a funeral, as well as related expenses like a burial plot, headstone, flowers, and transportation - which today, can easily add up to $10,000 or more.burial insurance beneficiary change

Unfortunately, many people who do not have burial insurance can leave their loved ones in a financial bind with many bills to pay - bills that come at an already difficult time. Having burial insurance, along with the proper beneficiary, can help to solve this financial issue.

Yet, due to changes in your life, even if you have a burial insurance policy, there could come a time when you may want to need to change the beneficiary that you have named on your policy. Depending on the policy that you have, it may nor may not be an easy task to accomplish. (more…)