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GERBER LIFE, GREAT WESTERN, LIBERTY BANKERS, PROSPERITY LIFE, SENTINEL SECURITY LIFE, AMERICAN GENERAL – AIG, AMERICO, FORESTERS, JOHN HANCOCK, MUTUAL OF OMAHA, TRANSAMERICA, TRINITY lIFE, NATIONAL LIFE, ROYAL NEIGHBORS, GUARANTEE TRUST LIFE, GLOBAL ATLANTIC, FAMILY BENEFIT LIFE, ATHENE ANNUITY, AETNA, AMERICAN AMICABLE, TRANSAMERICA
Our funeral planning and shopping tools might help you adjust your ceremony and lower its cost by $1,000s.
There is a carrier in your state that is the best match for your goal, age and health. We make it easy for you to find it. By lowering your rate you can afford $1,000s more with the same payment.
Senior Defense is a life insurance agency appointed by 20+ carriers. Our licenced agents can answer all your questions in simple terms and help you through the application process.
Seniors are at a life stage that generally does not imply a responsibility for their children anymore. Additionally, mostly everything is paid off. However, a funeral might involve the same expenses and planning as a wedding does and whether you choose to be buried or cremated, the funeral will be the most expensive part of your final expenses.
The average cost of a funeral in the US varies by state. A full-service burial cost ranges between $9000 to $18,000 , while a cremation ranges from $4,500 to $9,000.
Most seniors are on a small fixed income, and it might be a little difficult to adjust to even a small additional payment.
The truth is that it might even be in your family’s own interest to help with the funeral insurance. We have helped many families find the right funeral insurance for their parents. Nevertheless, if you start early enough, your health will be better and you will be younger. It becomes a small payment, which is much easier to budget.
Even small funeral insurance is a great help. Your family could start from $5,000 which is a big help for any family.
Funeral Insurance is a non-medical, simplified issue, and expedited claim insurance with a smaller face amount. It is designed to be affordable, stay affordable throughout the life of the plan, and never expire. It only terminates with the death benefit being delivered.
Immediate coverage with the lowest rate is usually accomplished in the first phone call. Don’t settle for a guaranteed acceptance just because you have had some health issues. We will recommend guaranteed acceptance only as a last resort.
The rates are based on your age, gender, and your health condition, from when you buy the policy. The health condition is evaluated based on a quick interview, and an automatic confirmation from the MIB (Medical Information Bureau).
Only licensed agents can help you get Funeral Insurance. Their job is: (1) to ask you a few health questions, (2) to fill up and sign the application, (3) to help you enrol directly with the best company.
Because we are an agency with 20+ carriers we will choose the best plan with the best company for you. In contrast, if you contact a company with a captive agent they will choose the best plan that the company has available for you.
Experienced and licensed field underwriters will ask you health questions, navigate through the carriers underwriting guidelines seamlessly and present the carrier that will approve you for the best rate class with the lowest premium in a matter of minutes.
It generally costs less to get a higher premium with a lower risk class than a lower premium with a higher risk class.
For example, company A may charge more for a preferred risk class, but approve you for the preferred risk class. While company B may have a lower premium for the preferred risk class, but approve you for the standard risk class.
| Rate Class | Premium | Full Coverage | Health |
|---|---|---|---|
| Preferred | Low | First-Day | Good |
| Standard | Medium | First-Day | No serious conditions |
| Graded I | Medium | Partially first-day | No serious conditions |
| Graded II | Medium | Partially 2nd year | Few questions |
| Modified | High | 3rd Year | Few questions |
| Guaranteed Acceptance | High | 3rd Year | No questions |
The rate class will affect your premium, but may also add a wait time to the full coverage. The first-day full coverage is normally awarded only to the preferred rate class. Some companies will award first-day coverage to a standard rate class with a higher premium.
We created a simplified guideline including all our companies so you can check the best health-risk classification you can get. It illustrates how your health condition might affect your rate class: your life insurance premium and the wait time for full coverage. Keep in mind that you can always call us and we will go over all the details over the phone.
| Health Condition | Rate Class |
|---|---|
| Amputation (due to disease) | Graded |
| Aneurysm | Preferred |
| Angina | Guaranteed Acceptance |
| Asthma | Preferred |
| Atrial Fibrillation | Preferred |
| Bi-Polar Disorder / Schizophrenia | Preferred |
| Blood Clots / Blood Thinners | Preferred |
| Cancer (more than 2 years ago) | Preferred |
| Cancer (more than 1 year ago) | Graded II |
| Cancer (active) | Guaranteed Acceptance |
| Congestive Heart Failure | Graded II |
| Chronic Bronchitis | Preferred |
| Cirrhosis | Graded |
| COPD (mild) | Preferred |
| COPD (severe) | Graded II |
| Defibrillator (more than 2 years ago) | Preferred |
| Defibrillator (less than 2 years ago) | Graded |
| Dementia | Guaranteed Acceptance |
| Depression | Preferred |
| Diabetes with no complications | Preferred |
| Diabetic Coma (more than 2 years ago) | Preferred |
| Diabetic Coma (less than 2 years ago) | Graded II |
| Diabetes (insulin before 25 years old) | Graded II |
| Diabetes (insulin after 25 years old) | Preferred |
| Dialysis | Guaranteed Acceptance |
| Diverticulitis | Preferred |
| Drug or Alcohol Abuse ( more than 18 months ago) | Preferred |
| DUI/Reckless Driving/Felony | Preferred |
| Epilepsy | Preferred |
| Fibromyalgia | Preferred |
| GERD | Preferred |
| Heart Attack (more than 2 years ago) | Preferred |
| Heart Attack (less than 2 years ago) | Graded |
| Hepatitis (not cured) | Graded |
| Hepatitis (cured more than 2 years ago) | Preferred |
| High Blood Pressure | Preferred |
| HIV or AIDS | Guaranteed Acceptance |
| Insulin Shock (more than 2 years ago) | Preferred |
| Insulin Shock (less than 2 years ago) | Graded |
| Kidney Disease | Graded |
| Lupus (hospital visit 12 months) | Graded II |
| Lupus | Preferred |
| Multiple Sclerosis | Preferred |
| Muscular Dystrophy (no meds) | Preferred |
| Muscular Dystrophy (meds) | Graded |
| Neuropathy, Nephropathy, Retinopathy | Preferred |
| Nicotine products (except for cigarettes) | Non-Smoking |
| Overweight | Preferred |
| Oxygen (24 hours) | Guaranteed Acceptance |
| Oxygen (less than 24 hours) | Graded |
| Pacemaker (more than 2 years ago) | Preferred |
| Pacemaker (less than 2 years ago) | Graded |
| Parkinson’s Disease | Preferred |
| Seizures | Preferred |
| Sickle Cell Anemia | Preferred |
| Sleep Apnea (with oxygen or not) | Preferred |
| Stroke (more than 2 years ago) | Preferred |
| Stroke (less than 2 years ago) | Graded |
| TIA-Trans Ischemic Attack | Preferred |
| Tumors | Preferred |
| Wheelchair (due to accident) | Preferred |
