Final Expenses

• There is no cost to using a broker.
• A broker can compare many companies and plans and explain the differences to you. A company agent only knows their plans and can only offer their plans.
• A broker continues as an advisor to you. 
• If you have questions or issues, your broker is an additional asset that you can rely on and understands the plan you are on.

How Much Does a Funeral Cost? The average funeral costs between $7,000 and $12,000. This includes viewing and burial, basic service fees, transporting remains to a funeral home, a casket, embalming, and other preparation. This does not included any medical or unpaid bills.

There is a special lump-sum death benefit available to the family through the Social Security Administration which is $255. 

For a healthily 61 year old female in California she could get a $10,000 policy for as low as $32.73 a month or $385 a year.

No. Different companies offer various plans with a range of premiums. There are 3 types of Final Expense Policies:

• Level lowest cost which has a level death benefit which will be paid day 1 of issue date.
• Guaranteed which has a higher cost and the death benefit will only pay the premium and 10% before a period of time such as two years than the entire death benefit will be paid. (Note: this is typically sold by mail)
• Graded or Modified high cost than guaranteed and has a waiting period before the death benefit will be paid.

Yes, final expense policies are whole life policies that gain cash value over time.