Elliot Glass Coral Springs Insurance

ASSURE FOR LIFE: FUNERAL ASSISTANCE PLAN

2023-02-18

ASSURE FOR LIFE gives you peace of mind, even in the most difficult times. We provide funeral services for you and your family in the US, Latin America, and the Caribbean, because we know that during a loss, you need to cope with grief and take the time to be with your loved ones.

BENEFITS WITH EACH MEMBERSHIP TO ENSURE YOUR PEACE OF MIND INCLUDES:

Funeral or cremation service and transfer of the deceased to the local funeral home, cemetery, or crematorium.
Body preparation.
Visitation room (for the basic time of each funeral home that provides the service) or home visitation team according to the use and custom of the locality.
In the event that the client chooses cremation, the funeral home selects the crematorium for the preparation and final disposition of the deceased.
Remembrance package.
Standard Urn (according to country regulations).
Final destination in accordance with the legal provisions of the country selected – lot or vault. Services and adaptation rights if the lot or vault is owned by the holder.
Legal and Civil Procedures: Consulate, Public Health License, Death Certificate.
Air ticket for the plan holder in economy class subject to airline’s availability from the United States (round trip) with the sole purpose of accompanying his/her beneficiary in the funeral process.
FREE Legal Will (Valued at $350)

HOW DOES IT DIFFER FROM LIFE INSURANCE?

Undocumented Family and Friends - APPROVED
No Social Security # - APPROVED
Do you want a funeral in your Country of Origin? - APPROVED
Medical Conditions? NO UNDERWRITING - APPROVED
Incarcerated Family and Friends - APPROVED
Denied coverage? - APPROVED
Suicide is covered - APPROVED
Auto-Immune Disorder? - APPROVED

THREE FUNERAL MEMBERSHIP PLANS AVAILABLE:

INDIVIDUAL

$25 per month

SMALL FAMILY (2 PEOPLE)

$40 per month

BIG FAMILY (UP TO 7 PEOPLE)

$75 per month

What You Need to Know About Final Expense Insurance

2023-02-12

As Ben Franklin famously wrote in a 1789 letter, “In this world nothing can be said to be certain, except death and taxes.” Mr. Franklin, of course, has a point. However, the similarity between death and taxes doesn’t end with this certainty. Both of these inevitabilities leave bills that must be paid. The famous statement has also been subject to a game of historical telephone after centuries of misquoting. (Aren’t you more familiar with the abridged version, “Nothing is certain but death and taxes”?) Not only has the quotation been garbled, it’s been mistakenly attributed to both Mark Twain and Daniel Defoe.

There’s another lesson here: No one likes being misquoted, especially when it comes to their final wishes. Writing something down, even something as final as a last will and testament, doesn’t ensure it will be remembered or interpreted correctly. That’s why many people choose final expense insurance or other funeral insurance. While a will may not be found until after funeral services have occurred, final expense insurance makes sure funds are allocated and available for your family when they’re needed. Let’s take a look at why this insurance is important and the difference between plan types.

Why Your Final Expenses Could Be More Than You Think

Year after year, the price of laying our loved ones to rest has increased across the world, with the median cost increasing almost a third over the past 10 years. The rising prices have been noted by more than just the families who are left to pay the price.

A Forbes article explained that monetary inflation and increasing overhead costs in the industry are partly to blame for growing sticker prices on funerals. Funeral services were once held in the home of the deceased. Social shifts toward privacy and sanitation moved final rites to dedicated areas, driving up operation costs. A gradual move in the funeral market toward large corporations and away from local businesses also increased those providers’ profit margins. A larger business network means lower costs when services can be streamlined, resources pooled, and supplies bought in bulk. However, those savings haven’t historically trickled down to the customer.

Funeral Costs: What to Expect

National Funeral Directors Association statistics give a breakdown of the cost of average common funeral types. The findings show that an average funeral can cost $7,360, but the price can be as high as $8,755 when you add a vault, which many cemeteries require. Note that not all online calculators account for all needed charges, such as casket, urn, or burial plot. That’s why it’s important to ask questions about potential extra charges if you choose a prepaid plan—and to consider them if you select final expense insurance.

The estimates listed here do not include additional charges for flowers, obituaries, grave plot, or monument or marker costs. These numbers also do not include cash advance fees, which can further increase costs when funeral providers use third-party vendors. We’ve broken down the estimate into two types: burial and cremation.

Choosing a Burial Plot

One thing we haven’t discussed much is selecting a burial plot. It can be easy to focus on the funeral-specific costs of burial, but unless you choose cremation, you’ll want to include a plot or other burial rights in your planning. Here are some things to know about this portion of your final expenses.

Know your rights. Unless a cemetery also sells funeral services, they aren’t covered by the FTC Funeral Rule. Look into whether your state has burial-specific regulations. Most states don’t, so do your research and be familiar with all your options before you begin shopping.
Make sure all costs associated with your plot are accounted for—you’ll often need to cover more than just the plot itself. Expenses to watch out for include a grave liner, perpetual care, maintenance/grounds keeping or an “endowment care fee.” Those laid to rest in a mausoleum or columbarium may also need to include opening/closing charges or maintenance fees in their estimates. Get these charges in writing as part of an itemized list before making your selection. A business’ hesitancy to provide this should be a red flag for how you’ll be treated in the future.
Take time to find out what is and isn’t allowed in the place you choose to be sure the type of monument or memorial you prefer is permitted. Some cemeteries may also have regulations against flowers or other items left on graves.
If you select a prepaid plan over final expense insurance, wait to buy burial rights until you’re sure you won’t move or decide to opt for cremation. Selling a burial plot you no longer need can be a challenge. As with your other expenses, allocating funds for a burial plot with final expense insurance leaves your plan flexible.

Funeral With Burial:

Metal Casket: $2,400
Basic Services Fee: $2,100
Vault: $1,395
Embalming: $725
Facilities/Staff for Ceremony: $500
Facilities/Staff for Viewing: $425
Hearse: $325
Removal or Transfer of Remains: $325
Miscellaneous Preparation: $250
Printing for Memorial: $160
Service Vehicle(s): $150

Funeral With Cremation:

In 2015, the NFDA projected that cremations would eventually become more common than traditional burials. Some families opt to hold memorial services and viewing prior to cremation. Other families, however, choose to hold their remembrances after cremation, letting the urn symbolize their loved one. The median price of funerals with cremations is $6,260. As with the above estimate of services with burial, this number does not include cash advance fees or cemetery monument or marker costs.

Basic Services Fee: $2,100
Cremation Casket: $1,000
Embalming: $725
Facilities/Staff for Ceremony: $500
Facilities/Staff for Viewing: $425
Third-Party Cremation Fee: $350
Removal or Transfer of Remains: $325
Urn: $275
Miscellaneous Preparation: $250
Printing for Memorial: $160
Service Vehicle(s): $150

IMPORTANT information to get your affairs in order??

2023-01-11

Make sure all bank accounts have direct beneficiaries. The beneficiary need only go to the bank with your death certificate and an ID of their own.

TOD = Transfer On Death deed if you own a home. Completing this document and filing it with your county saves your heirs THOUSANDS. This document allows you to transfer ownership of your home to your designee. All they need to do is take their ID and your death certificate to the county building and the deed is signed over. Doing this will avoid the home having to go through probate.

Living Will: Allows one to put in writing exactly what you want done in the event you cannot speak for yourself when it comes to healthcare decisions as well as other final decisions.

Durable Power of Attorney: Allows one to designate a person to make legal decisions if you are no longer competent to do so.

Power of Attorney for Healthcare: This document allows one to designate someone to make healthcare decisions for them.

Last Will and Testament: Designates to whom personal belongings will go to.

Funeral Planning Declaration: Allows one to say exactly one’s wishes as far as disposition of the body and the services.

If the above documents are done, you can AVOID probate.

If all the above is not done, you have to open an estate account at the bank. All money that doesn’t have direct beneficiaries goes into this account. You have to have an attorney to open the estate account. The attorney also has to publicize your passing in the newspaper or post publication at the county courthouse, to allow anyone to make a claim on your property. - It’s a complete PAIN.

Make a list of all banks and account numbers, all investment institutions with account numbers, lists of credit cards, utility accounts, etc. Leave clear instructions as to how and when these things are paid.

Make sure heirs know where life insurance policies are located.

Make 100% sure SOMEONE knows your Apple ID, bank ID account logins and passwords!

Make sure you have titles for all vehicles, campers, etc!

Set up a TRUST for intended beneficiaries, especially those that are too young, and appoint a trustee of said trust.

MOST IMPORTANTLY!!!! - Talk with those closest to you and make all your wishes KNOWN. Talk to those whom you’ve designated, as well as those close to you whom you did not designate. - Do this to explain why your decisions were made and to avoid any lingering questions or hurt feelings.

Hope this helps! Hope this lights a spark to encourage all your friends and family to take care of these things to make it easier for those we all leave behind!

My hope is that the above list at least helps you start an important conversation with your loved ones...

GET YOUR FREE WILL BY CLICKING THE BUTTON BELOW

Use Code: 072PN Email address: elliot@elliotglassinsurance.com

GET YOUR FREE WILL

Final Expense Insurance Information

2022-12-28

Guaranteed Acceptance Life Insurance

Ease the burden of final expenses with this popular plan featuring permanent coverage that can last your lifetime. You can’t be turned down due to your health, and once you’re insured, your rate will never go up! Read more below!

About Our 2022 Final Expense Plans

Most people don’t realize the financial burden that their death could have on their families. Depending on the circumstances, the loved ones they left behind may have to pay over $7,000 - $12,000 for a funeral and burial (average cost) and even more in medical expenses if it wasn’t covered beforehand! Purchasing a final expense plan for just a small premium each month can help protect your family from having to shoulder these costs as they grieve.

Titan Life offers quality, affordable final expense insurance plans in your area! You can learn about options near you offered by the nation’s top carriers and compare rates in order to get the best coverage possible for your needs and budget. Simply give us a few details (like your state and date of birth) and we will be able to connect you to a licensed agent who can help you find a plan!

Peace Of Mind

In a world of uncertainties, having final expense insurance gives you and your family confidence in the future! Coverage lets you enjoy the present.

Designed To Fit Your Budget

You can view hundreds of options in your local area in order to find the most affordable plan! Final expense plans can give you coverage at a low monthly premium.

Reliable Coverage

We work with top-rated carriers like Mutual of Omaha, Liberty Bankers Life, Great Western, Americo, and more! Buy your plan from a trusted company.

Free Final Expense Quote

Final Expense Insurance

2022-11-15

Final Expense Insurance

Book by Kirk G Meyer

Look inside

Amazon

4.7/5

Final Expense Insurance is a brief ebooklet that has a short history of life insurance, the insurance industry, the components of an insurance policy, and finally, a brief explanation of final expense insurance or, as it also commonly known, burial insurance. This ebooklet answers some of the more common questions surrounding this niche of life insurance, while not for everyone, it does provide a much needed added value to those who decide to purchase it. These policies are smaller than your traditional life insurance policies and have lower death benefits. These policies are typically also whole life or permanent life insurance policies meaning they will last for the lifetime of the insured provided the premiums are paid. While not as complicated as some other form of life insurance, final expense life insurance is unique as it can serve a vital role in someone’s estate planning. Get Final Expense Insurance to help you better understand this particular type of life insurance.

amazon.com

Author: Kirk G Meyer
First published: Jan 22, 2015

Customer reviews

Mar 25, 2017

Very informative, good ideas and how to get around selling final expenses insurance. I will recommended for all new agents.

Kindle Price:

$0.99

Life Insurance: What It Is, How It Works, and How To Buy a Policy

2022-11-08

Life insurance is a contract between an insurer and a policy owner. A life insurance policy guarantees the insurer pays a sum of money to named beneficiaries when the insured dies in exchange for the premiums paid by the policyholder during their lifetime.

What is Final Expense Insurance Coverage?

2022-11-03

Final expense insurance is a type of whole life insurance that is designed to cover the cost of a funeral and any of expenses associated with someone’s passing. This could include paying off debts, mortgages, or medical bills. This insurance takes the pressure off your loved ones by setting aside money to manage your final expenses.