FINAL EXPENSE INSURANCE
Losing a close family member is naturally a painful ordeal, but for many, the emotional suffering associated with this sort of loss is often compounded with the financial burden of covering unexpected final expenses (funeral service, estate taxes, medical bills, etc.) A State approved life insurance burial plan between $5,000 – $50,0000 in coverage can help lift this financial burden from your family while leaving social security and retirement assets untouched. There are several low cost programs to choose from. So, there’s no reason you can’t protect the one’s you love now by avoiding the unnecessary suffering caused by being ill-prepared for the future. Be remembered as a blessing, not a burden.
Final Expense
Policy Benefits
Final expense life insurance coverage is affordable and easy to apply for. It’s not just LIFE insurance, it’s LOVE insurance. You buy it for those you LOVE today to ensure their financial stability is protected in the future.
- Guaranteed Issue Ages 45-85* – No medical exam is required and you won’t be turned down regardless of health
- 10-15 Minute Application – Most policies are approved and issued the same day
- Coverage Provided by “A” Rated Carriers – All of our insurance carriers have been assigned a financial strength “A” rating which is the highest rating in the industry
- Riders included for Critical, Chronic and Terminal Illnesses – You may use your policy as a living benefit to pay expenses related to a chronic or terminal illness while you’re alive
- A Guaranteed Fixed Premium for the Life of Your Policy – You never have to worry about your premium payments increasing
- A Whole Life insurance policy – Get coverage for up to $50,000 with a policy that builds cash value and can not be cancelled by the carrier as long as your premium payments are made
- Safe and Secure E-Applications – Your policy will be issued safely and conveniently over the phone by one of our licensed agents without unnecessary risk or exposure to your health and security.
*Exclusions apply for certain age groups
Why Do I Need Final Expense Insurance Protection?
Burial insurance and final expense insurance is a form of life insurance that is easy for most people to apply and qualify. It is also much more affordable than traditional whole life insurance. This type of insurance provides financial coverage for burial (or cremation), including all related funeral expenses incurred from insured’s passing. The money goes directly to your beneficiary. Family members will be able to use these monetary benefits to cover the cost of your memorial service, as well as any additional debts you may leave behind, such as: property taxes, medical bills, etc. The policy can also serve as a legacy for those you love and wish to bless with a financial contribution to help keep them on the right track financially after your passing.
Average U.S. Funeral Costs*
| Item | Cost | Description | ||
|---|---|---|---|---|
| Casket | $2,000-10,000 | A casket made from metal fiberboard, fiberglass, plastic mahogany, bronze or copper. | ||
| Funeral Service fee | $2,100 | This fee covers the cost of the funeral home or cemetery’s labor and equipment | ||
| Vault | $1,395 | The Price of the protective enclosure the coffin rest in. | ||
| Cremation Casket | $1,000 | The cost of the combustible container required for the cremation process. | ||
| Embalming | $725 | The process of preserving a human body is often required for open-casket services, or if the remains are set to be transferred interstate. | ||
| Funeral home staff | $500 | An Optional fee for enlisting the funeral home staff to assist with this service. | ||
| Facility usage | $425 | If you want to use the funeral home’s chapel for the viewing, you’ll pay this fee. | ||
| Cremation fee | $350 | The cost of cremating the body. Most funeral home don’t have crematoriums, so they need to outsource this to a third-party. | ||
| Hearse | $325 | The charge for the vehicle used to transport the body from the funeral home to the cemetery. | ||
| Transportation | $325 | The price of transferring the body to the funeral home or morgue. | ||
| Urn | $200-500 | The price of the urn to hold the remains after they’ve been cremated | ||
| Cosmetic preparations | $250 | Funeral homes charge a fee for any cosmetic preparation relating to makeup application, clothing and hairstyling. | ||
| Memorial service extras | $160 | The cost of printing pamphlets, prayer cards and other materials for the funeral. | ||
| Service vehicle | $150 | The fee for transporting family members to and from the funeral. | ||
| Burial Plot | $1,000-4,000 | A public or private spot where a body is laid to rest in the ground. | ||
| Headstone | $200 – 5,000 | A market (typically made of stone) placed at the head of a grave, generally inscribed with the name of deceased. | ||
Total Funeral Expense | ||||
| * This is the Average funeral expense price breakdown across the US according to the National Funeral Directors Association (NFDA), price may fluctuate based on your geographic location and cost of inflation. |
Final Expense Facts
| FACTS | The Average U.S. Burial cost is between $8,000-$25,000 |
| FACTS | Most Americans who pass away leave their loved ones financially burdened because they never got around to purchasing a life insurance policy |
| FACTS | Tomorrow is NOT promised to anyone of us |
| FACTS | If you’re reading this, it’s not too late to take action TODAY and show someone you care |
About Us
Dare 2 Care (D2C) Insurance Group is a licensed insurance brokerage offering life, health, surety bonds and annuity products to clients from multiple top rated carriers. We specialize in retirement and future planning for businesses & individuals alike, which includes the adequate preparation for final expenses along with investment strategies to help protect our client’s current assets. We especially challenge each person we encounter to care enough for themselves and their loved ones to guard against avertable financial hardships experienced from being unprepared. Our experienced agents have been assisting clients throughout dozens of territories across the United States since 2006 (from east to west coast). All of our licensed advisors pride themselves on helping clients make difficult life decisions less complicated through the compassion, education and commitment to excellence we deliver with every interaction. We leverage technology to ensure we are dependable, safe and secure as a trusted source in the remote sales insurance industry. Call or book an appointment with us today to learn how easy and affordable it can be to be remembered by your family as a blessing, instead of a burden. We are committed to helping you protect yourself and the ones you love.
Phone: (561) 902-3493
10418 Plaza Centro, Boca raton, FL 33498
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