Plan Your Final Wishes and Protect your Family from Financial Hardship

$10,000 delivered to your family 2 to 3 days after notification may cost as low as $21.78/month (50 years old female). If you save that money you’d have $10,000 at the end of the 38th year. Your coverage starts on day 1!

  • Immediate protection
  • Independent agency with 20+ trusted carriers
  • Your Lowest Rate for Good Health & no wait
  • Your Lowest Rate for Average Health & no wait
  • Your Lowest Rate for Guaranteed Acceptance
  • Coverages from $3000 to $40,000
  • Your Lowest Rate from 20+ National Life Insurance Carriers
  • Call us for your best health qualification
  • We want to be there for you for life!
  • Our loyalty is to YOU!
Noreen NevesCelso Neves
Field UnderwriterField Underwriter
Life Insurance Licenses: AZ-2629004, AR-2629004, CA-0B60932, CO-569659, FL-W495208, GA-3203509, IL-2629004, KS-2629004, KY-1092933, MD-3000916122, MI-862327, MO-8440709, NV-3341840, NM-2629004, NC-2629004, OH-1191564, OK-3000308949, PA-851989, SC-2629004, TN-2401677, TX-2299312, UT-789788, VA-1076229, WV-2629004

How your health today affect your rates.

Along with your age, your health today affects how low your payments can be. Make sure you apply before any of the following:

  • A new or worsening health condition
  • Your doctor increases a dosage or prescribes a new medication
  • Your doctor requests a medical exam
  • Your doctor recommends a surgery
  • You feel any of the symptoms of COVID-19

The average cost of a burial or cremation with a funeral (does not include the cost of a plot).

Nondeclinable basic services fee$2,195$2,195
Removal/transfer of remains to funeral home$350$350
Other preparation of the body$255$255
Use of facilities/staff for viewing$425$425
Use of facilities/staff for funeral ceremony$500$500
Service car/van$150$150
Printed materials (basic memorial package)$175$175
Cremation fee$350
Cremation Urn$295
Metal burial casket$2,500
Cremation casket$1,200
Total without a plot$9,135$6,645
Source: National Funeral Directors Association

Your Health Class Varies with Each Carrier

We have consolidated all companies together and created a simplified guideline that illustrates the best scenario of 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
AnginaGuaranteed Acceptance
Atrial FibrillationPreferred
Bi-Polar DisorderPreferred
Blood ClotsPreferred
Blood ThinnersPreferred
Cancer (more than 2 years)Preferred
Cancer (less than 2 years)Graded II
Cancer (active)Guaranteed Acceptance
Congestive Heart FailureGraded II
Cholesterol (controlled)Preferred
Chronic BronchitisPreferred
COPD (mild)Preferred
COPD SevereGraded II
Crohn’s DiseasePreferred
Cystic FibrosisPreferred
Defibrillator (more than 2 years)Preferred
Defibrillator (less than 2 years)Graded
DementiaGuaranteed Acceptance
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
Drug or Alcohol Abuse (18 Months)Preferred
DUI/Reckless DrivingPreferred
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
Home Health CarePreferred
Insulin Shock (more than 2 years)Preferred
Insulin Shock (less than 2 years)Graded
Kidney DiseaseGraded
Lupus (hospital visit 12 months)Graded II
Multiple SclerosisPreferred
Muscular Dystrophy (no meds)Preferred
Muscular Dystrophy (meds)Graded
Nicotine products (except for cigarettes)Preferred
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
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
Wheelchair (due to accident)Preferred
Wheelchair (due to underlying health condition)Graded

Burial Insurance has to be Guaranteed.

Non-MedicalPayment is fixedBenefit is fixedNever expires

Don’t let another day pass!