Plan Your Final Wishes and Protect your Family from Financial Hardship

  • 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 $3,000 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
888-960-2539888-966-1625
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).

ItemBurialCremation
Nondeclinable basic services fee$2,195$2,195
Removal/transfer of remains to funeral home$350$350
Embalming$750$750
Other preparation of the body$255$255
Use of facilities/staff for viewing$425$425
Use of facilities/staff for funeral ceremony$500$500
Hearse$340
Service car/van$150$150
Printed materials (basic memorial package)$175$175
Cremation fee$350
Cremation Urn$295
Metal burial casket$2,500
Sub-Total$7,640$5,445
Cremation casket$1,200
Vault$1,495
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 ConditionCoveragePremiumQuestionsMedical Exam
Very serious2 Years WaitHigherNoneNo
SeriousPartial 1 year waitMediumFewNo
Not seriousPartial no waitMediumSomeNo
Average healthNo waitLowSomeNo
Good healthNo waitLowerSomeNo
Not all carriers have all rate classes

Burial Insurance has to be Guaranteed.

Non-MedicalPayment is fixedBenefit is fixedNever expires

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