Life Insurance Plus MoreLife Insurance Articles
Article #1 - The FACTS on funeral planning you need to know!
Fact #1-Social Security pays a total death benefit of $255, barely enough to cover the cost of flowers.
Fact #2-With no funeral plan to guide them, survivors are almost sure to overspend by hundreds of dollars, or even thousands. The fact is there are on the spot decisions, no prior experience, the emotional aspect of losing someone close to them.
Fact #3-Small local funeral homes usually have the lowest prices. According to a recent report by a national consumer reporting organization, small locally owned funeral homes will often charge as much as $1,300-$2,000 less than large independent and nationally owned funeral homes.
Fact #4-Shipping remains for a burial elsewhere in the U.S. can increase funeral costs by as much as $2,000.
Fact #5-Insurance benefits often go unclaimed because the beneficiary simply did not know about the policy or couldn’t find it. We can make sure your loved ones know about any life insurance policies you may have.
Fact #6-Your Funeral funding will give those handling your final arrangements enough money to work with.
Fact #7-Shopping for the right funeral home could be the difference between paying $2,000 and $10,000 for the same funeral.
Fact #8-Life Insurance is one of the most efficient and trusted ways to finance final expenses. The benefit goes directly to the beneficiary, there’s no federal tax on insurance benefits in most cases, insurance benefits avoid the possibility of any probate court tie-up, and proceeds are not tied to any particular funeral industry provider.
Article #2 - Children’s Whole Life Insurance
Life Insurance protection is something we all need, regardless of our age or stage in life. Setting up a lifetime of coverage for your children and grandchildren may be one of the most important things you’ll ever do for them. And now it’s more affordable than ever!-Easy-to-apply for simplified life insurance application.
-Limited health questions to answer with no medical exam.
-Available for ages 14 days on up.
-$5,000-$50,000 face amount.
-Cash value builds over time.
-Loans available from cash value.
-Rates never increase with age and benefits never decrease.
-When ownership is transferred they may purchase additional insurance without evidence of insurability.
-Easy payment options.
Rate Examples based on a $25,000 face amount
4 Yr old Male……...$18.33/m
9 Yr old Female…...$18.56/m
14 Yr old Male.…....$22.78/m
19 Yr old Female….$23.23/m
Article #3 - EXTREME Risk Without Life Insurance Coverage
The fact is that many people decide or don’t think they need LIFE INSURANCE. But think about it. Ask yourself these simple questions:*Would your loved ones be able to continue in the lifestyle you afforded them for so many years?
*Would your spouse have to sell the house just to make ends meet?
*Would your spouse have to get a second job to pay for expenses leaving the children alone at home to raise themselves?
Would your surviving family be able to pay for the high cost of a funeral for you? ($7,000 avg. cost)
Did you know that you could avoid some or all of these problems with as little as $25 per month with a LIFE INSURANCE policy. We offer term and permanent plans such as Whole or Universal Life. If you are ok leaving your family in financial ruin then please just ignore this information. If you want to protect your family then call for your FREE, no obligation quote TODAY!
