Final Expense Life Insurance:
Final Expense insurance is a type of whole life insurance that helps seniors cover end-of-life bills, such as funeral expenses and healthcare. With a Final Expense policy, your premium cannot be altered or changed. Even with pre-existing health issues JBA Insurance can help you to find the carrier, policy and price that work for you.
If you don’t have a final expense life insurance plan in place for the one's that you care for the most, your loved ones will unfortunately be left with the responsibility of paying any remaining expenses. Funeral costs are expensive, and there are probably more costs than you were aware of.
According to the National Funeral Directors Association, the national median cost for a funeral with a burial and vault is close to $9,000. The national median cost for a funeral with cremation is now over $6,000. The benefit you receive from the government when you are on social security is just a small amount of $255.00.
These cost estimates do not include the cemetery plot ($2,000), monument (up to $10,000) or grave marker ($1,000), or miscellaneous items like flowers ($200) or an obituary ($200). If we factor those costs in, the average cost for a funeral with a burial and vault can be more like $15,000.
The funeral estimate obviously doesn’t include other end-of-life costs, such as healthcare and legal expenses. Here’s a list of items your loved ones might be responsible for immediately following death:
What do these plans cost?
These plans are surprisingly affordable! Many time's you can at minimum get some type of coverage for over a dollar a day. It's important to make sure you have something in place, not for yourself, but your those that you love. Feel free to fill out the form and get a quote or call us directly by pressing the "Click to Call" button above:
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