Leave your kids a check - not a bill.
Over 90% Approved for Day 1 Coverage!
Average funeral costs have skyrocketed to over $10,000.00
National Funeral Directors Association (NFDA)
Nearly 2 in 5 American retirees have zero savings.
Census.gov
Public funding by states is almost non-existent.
A handful offer a few hundred dollars of assistance, typically no more than $1,500, falling short of what's needed by over $8,000. debt.org
This leaves many seniors with a ticking financial timebomb of $10,000 or more in upcoming final expenses.
National Funeral Directors Association (NFDA)
These bills typically land right in their kids lap.
Already struggling, many resort to Go-Fund-Me campaigns, asking friends and family and even hosting car washes to raise the needed funds.
There is a better way...
🚫Without hidden price and coverage gimmicks like TV and Mail order ads..
🚫Without endless phone calls after submitting an “online quote” request..
🚫Without a thousand documents loaded with a bunch of confusing terms where you have no idea what you’re reading let alone signing..
🚫..and Without pushy insurance sales people trying to sell you something you’re not sure fits your needs.
With Legacy First, you’ll experience a radically new way of getting the coverage you need at a price you can afford.
Personal Service
Have your own personal, dedicated state licensed advisor.
They will work with you one-on-one to find the perfect final expense product based on your unique health conditions and coverage needs.
No farming people through cookie cutter policies here.
The Best Coverage Options
Our state of the art software instantly compares multiple carrier options to guarantee you have the best plans available.
No need to spend endless hours researching online or on the phone.
Ridiculously Fast
Forget lengthy underwriting and endless paperwork.
With simple yes/no questions and instant decision electronic underwriting, your new policy can be emailed to you in less than 30 minutes.
(A hard copy by mail as well)
A true one-stop-shop with multiple final expense carrier partners.
Q & A
Can I get a quote online?
Yes and No – Guaranteed Issue policies with a 2 year wait do not require underwriting so those are typically the quotes you get online.
However, they are reserved for folks in very poor health that don’t qualify for lower priced Day 1 coverage options as described below.
The average Day 1 coverage final expense policy ranges from $25 to $350 a month depending on many factors, some are listed here..
-The rate class you qualify for based on your health (Level, Graded, Modified)
– The amount of coverage you choose based on what you qualify for.
– Riders and living benefits you might include like confined care, critical illness, accidental death or grandchild riders.
– Payment terms like lump sum, 10 year, 20 year or to age 100.
Does the price ever go up?
No. Once your policy starts, the monthly rate is locked for life.
However – age is a factor in pricing. Your quoted rates will go up every year until you get a policy locked in.
Additionally – the longer you wait the more risk you have of a health event or even a single prescription that once on your record, could knock you out of Day 1 coverage and into higher priced plans with longer waiting periods.
Basically it’s like a tooth cavity, the longer you wait the worse it gets.
Does coverage ever go down?
No. Your coverage amount is locked for life.
Do I need to take a medical exam?
No. These are simple issue policies. This means only your medical records are checked electronically for underwriting.
How much coverage can I get?
You can apply for up to $50,000. This may be lower for some depending on age and medical history.
How old can I be to apply?
You can apply for coverage up-to and including age 80.
How soon will my family get paid?
Claim checks are typically issued to the beneficiary within 7 days of death certificate issue.
Do I have to give the check to the funeral home?
No. The great part about having your own coverage is freedom from funeral home constraints. Shop around for hardware and services with your policy secured, Any savings are extra money for your family!
Do these plans build cash value?
Yes, however these are not traditional whole life policies which are typically sold to younger folks as investments.
These are special whole life policies designed specifically for seniors to guarantee the funds they need will be there for their family to cover their Final Expenses.
We strongly advise against withdrawing cash from these policies to ensure funds are available for your family when that day comes.
What if I win the lottery and don't need coverage anymore?
By law, insurance companies must offer a full refund for at least 30 days after your first payment.
You can choose your policy start date up to 30 days after your approval.
This means you could have up to 60 days from when you’re approved for coverage to get a full refund.
Any cancellation after that and you would receive the cash value that’s built up in the policy.
More Happy Final Expense Clients!
Danny did such a great job helping my mom that she passed his number on to me. He was fantastic, easy to talk to, compared plans for me with my specific needs and I found a great option in the end.
M. Bonger
Date - Dec 05, 2023
Very Friendly Service
J. Cruise
Date - Jan 28, 2024
Very polite and very helpful in finding me the best policy for my need.
Ann
Date - Feb 07, 2023
Jesse was very easy to talk with and I believed he would be able to get an affordable policy for us that was also very beneficial us. I am pleased with what he proposed as was my husband. We look forward to closing this new policy with him.
D. Hodges
Date - Feb 07, 2023
Meet Your Expert Final Expense Team!
Jarid Orgeron
Kelly Perry
Steve Dacosta
Chad Ourso
Jason Final Expense
Patrick Kilhoffer
William Kintzle
Contact
1525 S. Mooney Blvd Suite H,
Visalia, California 93277
- info@seniorlifecare.life
- 530-444-6724