How To Protect Your Loved Ones From A Catastrophic Loss In Minutes...with Burial Insurance!
What if your last act prior to passing this world was to leave a burden for your loved ones. The actions you take within the next few minutes can affect the future of you and your family.
If you’re over the age of 50 and concerned about your
family’s future, I want to share some surprising news...
New actuarial studies have found that as you continue to age past mid-life, the more likelihood your life expectancy increases. In other words, the older you get…past a certain age… the older you are likely to get.
In fact, prior to the COVID pandemic the average life expectancy in the United States was 78.8 years. According to the CDC, after 2020 that figure fell by 1.5 years to 77.3 years.
Which means barring any outside external forces, life expectancy is getting longer due to the medical treatments managing medical conditions existing today..
family’s future, I want to share some surprising news...
New actuarial studies have found that as you continue to age past mid-life, the more likelihood your life expectancy increases. In other words, the older you get…past a certain age… the older you are likely to get.
In fact, prior to the COVID pandemic the average life expectancy in the United States was 78.8 years. According to the CDC, after 2020 that figure fell by 1.5 years to 77.3 years.
Which means barring any outside external forces, life expectancy is getting longer due to the medical treatments managing medical conditions existing today..
Take a FEW minutes now to prevent future financial hardship for your family!
Imagine a future without the constant nightmare worries of a sudden...“widow maker” … that leaves your family in shock of your passing...and experiencing a greater shock of paying the amount of money just to say goodbye.
I realize that many people hate to think about their eventual demise however once you have planned for it and acted on the plan…you don’t have to think about it again.
You can rest comfortably knowing that when you time comes, your grieving family will not have to be “stressed” on how to finance your funeral.
I realize that many people hate to think about their eventual demise however once you have planned for it and acted on the plan…you don’t have to think about it again.
You can rest comfortably knowing that when you time comes, your grieving family will not have to be “stressed” on how to finance your funeral.
I Know…This Is NOT Fun To Think About…
I’ll explain more in just a minute.
But first, allow me to introduce myself.
My name is David Montesino, a licensed insurance agent. For the past 15 years I have provided education to those looking for Medicare health insurance coverage.
During that time, the most heartbreaking calls that I get from my client’s family is to notify me of their mother or father’s passing.
The #1 question that is asked of the children, “If their parents had some sort of insurance policy” because they have no way to pay for their funeral.
My response…” No” …which undoubtedly meant that the kids would either have to finance the funeral for themselves or ask family members for help.
After I help my clients obtain a Medicare health plan, I make sure the next conversation would be on this topic. I do not want to receive anymore phone calls from grieving family members to have this conversation with them.
Why…because of my own experience. Back in 2007, my brother passed in May and my father passed in July. Within a three-month period, I had to pay around $15,000 for both funerals. One was a cremation and the other the standard funeral.
Although it was a financial hardship, I did what I could to provide a proper funeral for my loved ones.
Now, from my view, that didn’t stop the funeral company from taking advantage of the situation. You see, if you ever find yourself in this situation…the funeral company is there to SELL you a product.
You are basically forced to make a buying decision when you are at your most vulnerable time in your life.
Image having to put your family members through that experience! Yet many people do go through it.
Now there are those who would tell you that the kids of the passing parent should go through the financial hardship because of what the parent has done for their children throughout their lifetime.
I totally understand where they are coming from however much of this undo hardship can be avoided with proper planning.
Most children understand that there will come a point in their life where they will have to take care of their parents and are happy to do so…BUT…a majority are not financially capable of doing so. Therefore, it can be in your best interest to help them out in planning for this final stage of your life.
But first, allow me to introduce myself.
My name is David Montesino, a licensed insurance agent. For the past 15 years I have provided education to those looking for Medicare health insurance coverage.
During that time, the most heartbreaking calls that I get from my client’s family is to notify me of their mother or father’s passing.
The #1 question that is asked of the children, “If their parents had some sort of insurance policy” because they have no way to pay for their funeral.
My response…” No” …which undoubtedly meant that the kids would either have to finance the funeral for themselves or ask family members for help.
After I help my clients obtain a Medicare health plan, I make sure the next conversation would be on this topic. I do not want to receive anymore phone calls from grieving family members to have this conversation with them.
Why…because of my own experience. Back in 2007, my brother passed in May and my father passed in July. Within a three-month period, I had to pay around $15,000 for both funerals. One was a cremation and the other the standard funeral.
Although it was a financial hardship, I did what I could to provide a proper funeral for my loved ones.
Now, from my view, that didn’t stop the funeral company from taking advantage of the situation. You see, if you ever find yourself in this situation…the funeral company is there to SELL you a product.
You are basically forced to make a buying decision when you are at your most vulnerable time in your life.
Image having to put your family members through that experience! Yet many people do go through it.
Now there are those who would tell you that the kids of the passing parent should go through the financial hardship because of what the parent has done for their children throughout their lifetime.
I totally understand where they are coming from however much of this undo hardship can be avoided with proper planning.
Most children understand that there will come a point in their life where they will have to take care of their parents and are happy to do so…BUT…a majority are not financially capable of doing so. Therefore, it can be in your best interest to help them out in planning for this final stage of your life.
Yeah, But What About The Cost?
This is the #1 question I get from all my clients. I understand why they are asking because the majority are on a fixed monthly income.
They can’t afford to pay for the monthly premiums even if it amounts to $50 or $60 per month. That monthly expenditure might take away from some other necessity.
But consider the real cost of what we are talking about…the cost of a funeral today.
Here is a breakdown and estimate as stated by the National Funeral Directors Association.
They can’t afford to pay for the monthly premiums even if it amounts to $50 or $60 per month. That monthly expenditure might take away from some other necessity.
But consider the real cost of what we are talking about…the cost of a funeral today.
Here is a breakdown and estimate as stated by the National Funeral Directors Association.
• Professional Service Charge ($2,100): This cost includes the staff and supplies costs.
• Embalming ($725): This is also needed for open-casket care or where an interstate transfer of the remains is to take place.
• Transportation of Deceased to the Funeral Home ($325): That is the fee for the body’s move to the funeral parlor.
• Miscellaneous Cosmetic Arrangements ($250): The expense of applying lipstick, shoes, and hairdressing is included by this charge.
• Funeral Home Support Employees ($500): You can only be charged should you want to use the funeral home workers’ facilities to help in the funeral ceremony.
• Facility Usage for Viewing ($425): When you choose to utilize the funeral home facilities for the viewing, this fee will apply.
• Hearse ($325): It is the car used for moving the dead to the graveyard from the funeral home.
• Service Car/Van ($150): This vehicle can hold family members or can be used instead of a hearse to move a person.
• Printed Memorial Kit ($160): Mortuaries also print prayer cards and pamphlets to honor the departed and describe the service layout. Service Car / Van ($150): This vehicle can hold family members or can be used instead of a hearse to move a person.
• Metal Casket ($2,400): Casket rates may be one of a funeral’s most expensive line pieces, based on what you are going for. The FTC reports that “an average casket costs slightly over $2,000” but “some caskets of bronze, mahogany, or copper retail for as much as $10,000.”
• Cremation Casket ($1000): It is an entirely combustible jar where a corpse is put into the cremation chamber to be poured through.
• Vault ($1,395): It is the structure in which the coffin lies to shield it from the earth’s weight and the massive construction machinery that runs over the grave.
• Cremation Charge ($350): The body’s cremation is done for a minimal fee.
• Urn ($275): The jar containing the deceased’s ashes may be very costly.
• Flowers ($150): Guests frequently submit floral, so a family will choose to buy a wreath or casket spray, which may range in value based on the flower styles.
• Grave Markers and Headstones ($250-$6,000): Simple, flat grave markers typically cost a small fortune instead of thousands, whereas custom-made sculptures or upright monuments will cost over $10,000 based on the size of the project.
So, in all actuality…we are looking at more than $50-$60 per month. The average price can run up to anywhere between $7,000-$9,000 conservatively.
So How Does This Get Paid You Ask?
You’re in luck…in 1954 the Lump Sum Death Benefits law was amended in which the widow, widower, or child of a Social Security beneficiary can collect a one-time death benefit of $255.
Another option is purchasing a pre-need funeral contract that covers the items mentioned above.
Be careful in dealing with the funeral homes because they have been known to go out-of-business and resulting in you losing the funds already paid into the contract.
If you have some savings, then your family may be able to utilize that to pay for part of your funeral.
But you must have planned to either have a joint checking or savings account with one member of your family…or…establish a Payable on Death (POD)account naming one of your family members as beneficiary so they can have access to this account otherwise the Probate process will delay the access to the account.
DISCLAIMER: This also involves pre-planning and should this be discussed with an elder care attorney.
Another option, your family members can share the cost between themselves or host a fund-raising event or set up a “GoFundMe” page to collect the funds for the funeral.
You can also check with you state Department of Health & Human Services to see if they provide burial assistance. This is usually administered at the county level. However, you must meet certain poverty guidelines.
Finally, your family members can share the cost of a low monthly premium final expense plan, which is much more easy and less expensive.
Another option is purchasing a pre-need funeral contract that covers the items mentioned above.
Be careful in dealing with the funeral homes because they have been known to go out-of-business and resulting in you losing the funds already paid into the contract.
If you have some savings, then your family may be able to utilize that to pay for part of your funeral.
But you must have planned to either have a joint checking or savings account with one member of your family…or…establish a Payable on Death (POD)account naming one of your family members as beneficiary so they can have access to this account otherwise the Probate process will delay the access to the account.
DISCLAIMER: This also involves pre-planning and should this be discussed with an elder care attorney.
Another option, your family members can share the cost between themselves or host a fund-raising event or set up a “GoFundMe” page to collect the funds for the funeral.
You can also check with you state Department of Health & Human Services to see if they provide burial assistance. This is usually administered at the county level. However, you must meet certain poverty guidelines.
Finally, your family members can share the cost of a low monthly premium final expense plan, which is much more easy and less expensive.
There’s No Time To Waste!
So, the easiest solution can be accomplished NOW without worry. We don’t know what tomorrow may bring. It’s time to take the worry out of the uncertainty of what the future may bring.
Did we all know how the year 2020 would change our lives today or in the future? We are all still feeling the effects. Don’t let your family members get caught by surprise. DO SOMETHING NOW!
Just fill out the information below and one of our agents will provide you with the most competitive quotes in the industry. We have a system connected to the major life insurance companies that will allow you to receive a fast & easy quote.
Image feeling free of the stress of “what-to-do-next” when it comes to having your last & most important responsibility resolved.
Let us solve this for you.
Did we all know how the year 2020 would change our lives today or in the future? We are all still feeling the effects. Don’t let your family members get caught by surprise. DO SOMETHING NOW!
Just fill out the information below and one of our agents will provide you with the most competitive quotes in the industry. We have a system connected to the major life insurance companies that will allow you to receive a fast & easy quote.
Image feeling free of the stress of “what-to-do-next” when it comes to having your last & most important responsibility resolved.
Let us solve this for you.