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Best Life Insurance For Seniors

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Making The Right Choice For The Best Burial Insurance For Seniors Can Be Difficult, But It’s Also Important To Do

Burial insurance for seniors comes in all shapes and sizes. There’s well over several hundred, if not several thousand, life insurance and burial insurance companies out on the market.

Sometimes buying the wrong insurance can have a dramatic effect on the remainder of a senior’s life, you want to take your time and be well-informed when buying burial insurance.

Here’s An Overview Of Today’s Topics:

Where Do You Start?

What do you need to do to find the best insurance for a senior? First of all, make sure you’re working with an independent agent. Independent

final-expense

Knowledge is power!

agents shop the most competitive companies that are available in the final expense burial insurance environment. They are not married to one particular company. Instead, they look at all the companies and see which will give you the best deal.

Every good independent agent wants to sell you a plan that is the best deal for you because that means you’ll keep the plan and the insurance agent will keep his commission. If you drop the plan because it’s too expensive, the agent loses his commission. This is why it’s in the best interest of your agent to find a plan that works for you. You want to work with the agent that has access to the best options and best carriers because it gives you the best deal.

What Is Your Why?

Next, explore the nature of why you need life insurance. This is a very important step that many seniors don’t think about. The truth is that burial insurance solves a specific problem which is we’re all going to die. It’s just a matter of when, so when you buy insurance, you need to make sure your plan is just as permanent as the need is. You don’t want a plan that cancels due to health or age.

You need a plan that does the job without deviation and without too much rigmarole. So what we suggest to our seniors is what’s called whole life final expense coverage. Whole life final expense coverage has three main benefits. The first is your premiums never increase. Second, your coverage never decreases. Lastly, in many cases, you’re able to qualify for day one 100% full coverage, or at least partial coverage from the first day.

What you don’t want to do is get a plan that’s known as term insurance. Term insurance is short for terminating insurance. When you buy a term plan, what happens is that you run the risk of outliving the plan because it’s temporary, terminating insurance, hence the word ‘term’.

Do we know when we’re going to die? Of course not. So why buy a plan that may go before you? Doesn’t make any sense, which is why I don’t recommend a burial insurance plan that may go away.

Do You Consider Price Or Value?

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Your final expense life insurance plan should be EASILY affordable!

Lastly, you want to make sure your burial insurance quote not only gives you the best price, but also the best value. Now what’s the difference between price and value? Price is what you pay; value is what you get.

There are a lot of plans out there that have really low prices, but they also have value. Take, for example, AARP term insurance which is actually designed to cancel at 80. So if you outlive that policy, how much value is it to you then? It’s worth nothing. That’s what I mean by ‘term’ or by a lack of value.

Burial Insurance Rates, Age 40 to 90*

 

Rates For $5,000 In Burial Insurance

 

Rates For $10,000 In Burial Insurance

 

 

Rates For $15,000 In Burial Insurance

 

 

Rates For $20,000 In Burial Insurance

 

 

Rates For $25,000 In Burial Insurance

 

*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.

My goofball son and I thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

 

What a senior needs is a burial insurance plan that gives you value, regardless of age or health, from the first day to the last. Many of these plans that don’t ask health questions also don’t insure you for the first two years. So it’s not valuable at all if you die suddenly. However, an independent agent can often find you insurance that will cover you fully from the first day.

If you would like to talk to an independent agent like myself to see what’s available to you, look over my website. Then give me a call or shoot me an email, and I’ll be happy to give you a free, no-obligation quote. If you like what I have to say, great! If not, I’ll be on my way.

About BuyLifeInsuranceForBurial.com
About BuyLifeInsuranceForBurial.com

We work with individuals across the nation to secure the best life insurance rates.

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