EDUCATING AMERICAN FAMILIES
IN FINANCIAL LITERACY
Get peace of mind!
Estate Planning Implementation, Retirement Planning, Life/Health Insurance,
Final Expense, Medicare
What Is Expense Insurance?
This content is for educational purposes only and is not intended to substitute tax, financial, or legal advice. Readers are encouraged to seek personalized guidance from qualified professionals before applying any strategies or information presented here.
Also Known as Burial Insurance...
Final expense insurance offers peace of mind by covering the costs of your final arrangements, so your loved ones aren’t left with the financial burden.
Planning ahead with this type of insurance helps ease emotional and financial stress during an already difficult time, giving your family space to grieve without added worry.
How Much Does a Funeral Cost?
The cost of dying isn’t cheap and it’s only rising.
According to Forbes, a 2021 study by the National Funeral Directors Association found:
The median cost of a funeral with viewing and burial is $7,848 — a 6.6% increase since 2016.
The median cost with viewing and cremation is $6,970 — up 11.3% over the same period.
And these costs are only expected to keep climbing. Planning ahead can help protect your loved ones from this financial burden.
What Can Final Expense Insurance Cover?
A final expense insurance payout can help your loved ones manage a wide range of costs, including:
Burial plot
Casket or cremation
Funeral home services
Flowers and obituary notices
Transportation
Grave opening and closing
Headstone
Urn
Bonus: It can also be used to settle any outstanding debts you may leave behind.
By planning ahead, you can ease the financial burden on your family during an already emotional time.
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Testimonials
Jessica M.
I had no idea where to start with life insurance, and honestly, it all felt overwhelming. But from the first phone call, I felt like I was in good hands. Everything was explained in plain language, and there was never any pressure. They helped me find a policy that fits my budget and gave me real peace of mind. Highly recommend if you're looking for someone you can actually trust.
Diane L.
I wanted to make sure my family would be taken care of if anything ever happened to me, but I wasn’t sure what kind of coverage made sense. The team here was incredibly kind, patient, and thorough. They helped me think through both short-term needs and long-term goals. I feel so much better knowing I have a plan in place. Thank you!
Carlos R.
After having a bad experience trying to get coverage online, I reached out here—and I’m so glad I did. They walked me through my options, found a great policy even with my medical history, and made the whole process way easier than I expected. Super professional and down-to-earth. I’ve already sent two friends their way.
Frequently Asked Questions
Common Questions Answered for your convenience.
How much life insurance do I really need?
That depends on your goals—are you looking to cover final expenses, replace income, pay off debt, or leave a legacy? A good rule of thumb is 10–15 times your annual income, but the best way to know for sure is through a quick, personalized review. I can help you figure it out—no pressure, no jargon.
What’s the difference between term and whole life insurance?
Term life covers you for a set period (like 10, 20, or 30 years) and tends to be more affordable. Whole life lasts your entire lifetime and builds cash value over time. The right fit depends on your needs and budget—I'm happy to walk you through the pros and cons of each.
Can I get coverage if I have health issues or a pre-existing condition?
In many cases, yes. There are policies designed specifically for people with health concerns, and you might be surprised by what you qualify for. I work with multiple carriers to help find the best option for your situation—even if your health isn't perfect..
Is life insurance expensive?
It doesn’t have to be. Many people overestimate the cost—especially for term policies, which can be surprisingly affordable. Your premium is based on things like age, health, and the amount of coverage you choose. I can help you find a policy that fits your budget.
Why should I work with a financial professional instead of buying online
Online quotes are a start, but they don’t always tell the full story. I can help you understand what you’re buying, avoid hidden pitfalls, and choose coverage that actually fits your life. Plus, I’m here to support you as your needs evolve—not just during the sale.
What happens to my policy if my life situation changes?
Life happens—marriage, kids, new jobs, retirement. The good news? Most policies can be adjusted or updated to keep up. I offer regular check-ins to make sure your coverage still makes sense and your loved ones stay protected.