Final Expense
Insurance

What is Final Expense Insurance? 

Each of us will likely have to face the death of a close family member one day, and worrying about funeral costs will only add to the pain and grief. While there’s nothing we can do to ease the pain of loss, planning ahead can remove the financial burden of final expenses.

According to the National Funeral Directors Association, the national median cost of an adult funeral, with viewing and burial, in 2017 was $8,7551. And, this cost does not include the cemetery plot, monument, flowers, obituary or other cash expenses, which could push the cost well over $10,000.

Ask how combining PreNeed with our Final Expense can boost the funds IMMEDIATELY made available to your loved ones, which will help to ensure that your loved ones stay focused on what's important during this time of mourning; to mourn and be there for each other vs stressing and distracted about lack of IMMEDIATE funds.

Benefits of Final Expense Insurance

  • Provides lifetime life insurance coverage (up to age 121)  

  • Guaranteed Level Premiums 

  • Your beneficiary will generally not owe any income taxes on the benefit

 

Fixed Premiums

 

PlanRight premiums are level and fixed as long as you keep the coverage.

For Added Value

Foresters automatically includes up to three riders with your base coverage, with no additional premium.

  • Accelerated Death Benefit Rider (for Terminal lllness) may allow the owner to accelerate a portion of the death benefit and receive a payment if the insured is diagnosed with a terminal illness.

  • Common Carrier Accidental Death Rider may provide an additional benefit if death is due to an accident or accidental injury that happens while riding as a fare-paying passenger on a common carrier such as plane, bus, or train.

  • Family Health Benefit Rider may provide a payment to help cover some family health expenses (such as an ambulance ride) that occur as a result of certain natural disasters.

 

Enhancing Your PlanRight Coverage

You can add, at an extra cost, an optional Accidental Death Rider to PlanRight preferred (with a level death benefit), which can pay an additional benefit in case of accidental death.

Ask how combining PreNeed with our Final Expense can boost the funds IMMEDIATELY made available to your loved ones, which will help to ensure that your loved ones stay focused on what's important during this time of mourning; to mourn and be there for each other vs stressing and distracted about lack of IMMEDIATE funds.