Did you know you may be able to save thousands by Locking In Discount Prices for Casket, Vault, Monument, or Urn. When You purchase Cash Value Senior Life Insurance? WATCH THE VIDEO.
Even while they are adults, you will continue to protect them until the day that you die. That's what we loving parents do.
Money, even Life insurance dollars only spend once. Even if you feel you have enough life insurance to take care of your final expenses, wouldn't it be great if your children knew, that not only did you buy life insurance, but that you were wise enough to save them thousands on the cost of funeral arrangements and burial, including a locked in discount price on mandatory items like casket, vault and monument?
Many seniors have found that they could make their insurance dollars go much farther, by saving on their final expenses. Those seniors realized that they could save their loved ones thousands by simply purchasing a small additional policy just to lock in the savings. Our no medical exam Senior life insurance policies can be purchased in increments of $1,000 up to $30,000 without a medical exam. Senior whole life insurance builds cash value and can be purchased by seniors up to the age of 85.
Because No medical exam Easy Issue Life Insurance rates assume some mild health conditions, healthy seniors may qualify for even lower rates than quoted here.
Cash Value, No exam life insurance is Ideal for those who just need a few additional thousand dollars of Life insurance set aside to cover the final Expenses that will be incurred for the final arrangements they have already made, plan to make, or have requested be made by their children, or spouse, in their will.
Why is it Ideal for seniors? It is ideal for seniors because there is no medical exam required, and the coverage lasts for your whole life. The rates can never go up and your coverage never decreases. It cannot be cancelled by the insurance company as long as premiums are paid, and it builds cash value.
Perhaps best of all, if bought through Senior life Insurance company, you and each member of your whole immediate family will be entitled to potentially save thousands on their final expenses.
After nearly 50 years experience in the life insurance business, I chose to be employed by a well established and respected funeral home as a funeral director. I wanted the inside truth. I wanted to learn the benefits of pre-need planning and whether pre-need planning with a funeral home was better than simply buying life insurance.
What I found was that pre-need planning with a funeral home is advisable if you don't enter into a pre-need contract with a funeral home. You will at least have a cost estimate and be aware of just how expensive buying a casket, vault, and monument, or urn through a funeral home can be.
In some instances it may be advisable to enter into a pre-need contract. Perhaps you have waiting too long to apply for life insurance and now you are too old to qualify, or have waited until a terminal health condition manifested itself. In most cases however, you will find Funeral home pre-need planning is much higher than a standard Senior life insurance policy. In addition the cost of insurance, if purchased through a funeral home, may be included in the funeral home contract. A finance charge is then applied to the contract, raising the cost even further.
Including the purchase of casket, vault , monument or urn in a pre-need contract with a funeral home is also very expensive. The advantage funeral homes will tout is that it locks in casket and vault prices to today's prices.
However, Senior life Insurance company has gone a step further to save clients money by making arrangements with wholesale providers to lock in discount prices for caskets, vaults, monuments and Urns when you purchase their cash value senior life insurance products.
This feature alone, can potentially save thousands of dollars on the expense of final arrangements. So much savings that some people who already have enough insurance buy a small policy just to lock in these savings.
Remember, this means you can lock in savings for yourself as well as for every member of your immediate family. *
A senior myself, I have nearly 50yrs. insurance experience, as well as previous experience in pre-need planning as a Funeral Director.
If you wish to visit my LinkedIn Profile, Click here.
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