OTHER CONSIDERATIONS

Final expense insurance is designed for folks who want peace of mind, knowing they have done everything they can to ease the pain of losing those closest to us.

Final expense insurance is typically available for folks age 50-85; no medical exam is required and is even available to folks with health conditions.

Final expense policies can bring relief during a difficult time and can be used for things like funeral expenses, estate settlement costs, housing, travel for loved ones or income replacement for time off work.

Policies can be issued for as little as about $2,000 and sometimes up to $30,000.

There are several options to choose from regarding dental coverage. Most plans have a small deductible, cover preventive services, and will pay for care up to about $1,000 or $1,500.

Short Term Recovery Care is designed to help pay for things like confinement in a nursing facility, home health care, and assisted living. These plans have quite a bit of flexibility including elimination period options, and daily benefit amounts. These plans can pay for up to 360 days of care.

For folks who have a health insurance policy with a daily copay for hospitalization, these plans can help offset those out of pocket costs, whether you choose a daily benefit or a lump sum option. Benefits can be used any way an individual chooses. There is no deductible and no network of hospitals.

According to the American Cancer Society, in 2017, there is estimated to be about 1,688,780 people diagnosed with cancer in the United States. First Diagnosis Cancer policies can help offset unforeseen costs related to a diagnosis of cancer. These cash benefits are paid directly to the policyholder and can be purchased in varying amounts for folks age 18-79.

As more and more folks have their personal information compromised, the need for protection and recovery has never been greater. Additionally, these plans offer legal protection to help with a wide range of advice and council including traffic tickets and professional advice.

A wristwatch style device that can be activated with the push of a button to call for help, or can detect if the person wearing it has fallen; and it is even waterproof to 40’. This device uses GPS and can even send reminders to take medication.