Noreen Neves
- Field Underwriter
- Phone: 888-960-2539
- email: noreen@seniordefense.org
- Address: 1001 Wilshire Blvd #1112, Los Angeles, CA 90017
State Licenses: AL-3000880815 AZ-2629004 AR-2629004 CA-0B60932 CO-569659 FL-W495208 GA-3203509 HI-521108 IN-3341475 IL-2629004 IA-2629004 KS-2629004 KY-1092933 LA-788675 MD-3000916122 MI-862327 MN-40734195 MS-10745505 MO-8440709 NE-2629004 NV-3341840 NM-2629004 NC-2629004 OH-1191564 OK-3000308949 PA-851989 SC-2629004 TN-2401677 TX-2299312 UT-789788 VA-1076229 WV-2629004 WI-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 in the US (does not include the cost of a plot).
| Item | Burial | Cremation |
| 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 |
See the average cost of a full-service burial or cremation in each US State (includes the plot)
We Got It All Figured Out For You!
Your experienced licensed field underwriter can qualify you after a quick health assessment over the phone. We have consolidated all carriers together and created a simplified guideline that illustrates the best scenario of how your health condition may affect your rate class: your life insurance premium and the wait time for full-coverage.
| 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) | Preferred |
| Cancer (less than 2 years) | 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) | Preferred |
| Defibrillator (less than 2 years) | Graded |
| Dementia | Guaranteed Acceptance |
| Depression | Preferred |
| Diabetes with no complications | Preferred |
| 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 |
| Dialysis | Guaranteed Acceptance |
| Diverticulitis | Preferred |
| Drug or Alcohol Abuse (18 Months) | Preferred |
| DUI/Reckless Driving/Felony | Preferred |
| Epilepsy | Preferred |
| Fibromyalgia | Preferred |
| GERD | Preferred |
| 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 Pressure | Preferred |
| HIV or AIDS | Guaranteed Acceptance |
| Insulin Shock (more than 2 years) | Preferred |
| Insulin Shock (less than 2 years) | 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) | Preferred |
| Pacemaker (less than 2 years) | Graded |
| Parkinson’s Disease | Preferred |
| Seizures | Preferred |
| Sickle Cell Anemia | Preferred |
| Sleep Apnea (with oxygen or not) | Preferred |
| Stroke (more than 2 years) | Preferred |
| Stroke (less than 2 years) | Graded |
| TIA-Trans Ischemic Attack | Preferred |
| Tumors | Preferred |
| Wheelchair (due to accident) | Preferred |
Our Trusted Carriers
Burial Insurance has to be Guaranteed.
 Non-Medical |  Payment is fixed |  Benefit is fixed |  Never expires |