Life Insurance Companies

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

We Serve the Senior Community.

Senior Defense LLC is a life insurance agency with 20+ carriers, licensed in 34 states and growing. We focus on servicing seniors with funeral insurance and eventually term life insurance to pay off a mortgage or grandchild college. We research funeral costs in the US and provide planning and shopping tools so you can pay less for your funeral.

We help you plan and save, but if you know someone that has died of COVID-19, FEMA is providing Funeral Assistance for COVID-19 victims. The family has to call the FEMA number and register.

Seniors are at a life stage that 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. Our planning and shopping tools might help you adjust your ceremony and lower its cost by $1,000s. Additionally, we might help you increase your benefit (with the same payment) by $1,000s with the lowest cost funeral insurance in your state for your age and health condition.

Instant Funeral Insurance Quotes

Most seniors are on a small fixed income, and it might be a little difficult to adjust to even a small additional payment. However, it will be much harder and even traumatic for the family if they have to come up with all the money overnight. It may take years for them to get out of the debt incurred with your final expense if you do nothing.

The truth is that it might even be in your family’s own interest to help with the payment. We have helped many families to pay for their parent’s funeral insurance. 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.

Funeral Insurance is Easy to Get

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.

The rates are based on your age 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) ask you a few health questions, (2) fill up the and sign the application, (3) help you enroll 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. If you contact a company with a captive agent they will choose the best plan that the company has available for you.

More Companies Means Lower Premium For You

Experienced and licensed field underwriters will ask you health questions, navigate through the carriers underwriting guidelines seamlessly and present you the carrier that will approve you for the best rate class with the lowest premium.

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 ClassPremiumFull CoverageHealth
PreferredLowFirst-DayGood
StandardMediumFirst-DayNo serious conditions
Graded IMediumPartially first-dayNo serious conditions
Graded IIMediumPartially 2nd yearFew questions
ModifiedHigh3rd YearFew questions
Guaranteed AcceptanceHigh3rd YearNo 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.

More Companies Means More Options If You Have A Health Condition

We grouped all companies together and created a simplified sample guideline that will illustrate how your health condition will 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 ConditionRate Class
Amputation (due to disease)Graded
AneurysmPreferred
AnginaGuaranteed Acceptance
AsthmaPreferred
Atrial FibrillationPreferred
Bi-Polar Disorder / SchizophreniaPreferred
Blood Clots / Blood ThinnersPreferred
Cancer (more than 2 years)Preferred
Cancer (less than 2 years)Graded II
Cancer (active)Guaranteed Acceptance
Congestive Heart FailureGraded II
Chronic BronchitisPreferred
CirrhosisGraded
COPD (mild)Preferred
COPD (severe)Graded II
Defibrillator (more than 2 years)Preferred
Defibrillator (less than 2 years)Graded
DementiaGuaranteed Acceptance
DepressionPreferred
Diabetes with no complicationsPreferred
Diabetic Coma (more than 2 years)Preferred
Diabetic Coma (less than 2 years)Graded II
Diabetes (insulin before 25 years old)Graded II
Diabetes (insulin after 25 years old)Preferred
DialysisGuaranteed Acceptance
DiverticulitisPreferred
Drug or Alcohol Abuse (18 Months)Preferred
DUI/Reckless Driving/FelonyPreferred
EpilepsyPreferred
FibromyalgiaPreferred
GERDPreferred
Heart Attack (more than 2 years)Preferred
Heart Attack (less than 2 years)Graded
Hepatitis (not cured)Graded
Hepatitis (cured more than 2 years)Preferred
High Blood PressurePreferred
HIV or AIDSGuaranteed Acceptance
Insulin Shock (more than 2 years)Preferred
Insulin Shock (less than 2 years)Graded
Kidney DiseaseGraded
Lupus (hospital visit 12 months)Graded II
LupusPreferred
Multiple SclerosisPreferred
Muscular Dystrophy (no meds)Preferred
Muscular Dystrophy (meds)Graded
Neuropathy, Nephropathy, RetinopathyPreferred
Nicotine products (except for cigarettes)Non-Smoking
OverweightPreferred
Oxygen (24 hours)Guaranteed Acceptance
Oxygen (less than 24 hours)Graded
Pacemaker (more than 2 years)Preferred
Pacemaker (less than 2 years)Graded
Parkinson’s DiseasePreferred
SeizuresPreferred
Sickle Cell AnemiaPreferred
Sleep Apnea (with oxygen or not)Preferred
Stroke (more than 2 years)Preferred
Stroke (less than 2 years)Graded
TIA-Trans Ischemic AttackPreferred
TumorsPreferred
Wheelchair (due to accident)Preferred