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).

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

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 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

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