Seniors Life Insurance

sometimes as it's referred to burial insurance or final expense life. They're all the same thing. Okay, uh, these policies are designed for people who are a little bit older. It's gonna be tough to get a larger face amount depending on your premium. So, when you're a little bit older, so but this is designed to take care of final expenses after you die.

They are whole life policies. There are a couple of different types. There's a guaranteed issue type of policy that's a good policy. If you have extreme health issues and you're uninsurable because you are guaranteed to get the policy cost more, then there is a policy where you would possibly go through underwriting.

They ask you questions over the phone, and they may order medical records and, uh, some tests that cost less. So if you're in very good health overall, pretty good health, and you just wanna have from 5000 up to 45,000 of a death benefit for final expenses.

That would be the way that you would go. But what you do is come on over to our website www.goidahoinsurance.com Now we maybe redoing the website. It could look different, but you'll see life insurance quotes and you'll see under product life insurance. Just click on life insurance quotes. This is gonna take you to our unlike quote engine.

For your information, I do get an email with your information. We're not gonna pester you. Um, I would hear this is the best rate class. This is the worst. Not the worst it could get, depending on underwriting. Uh, but you probably want to be right here. Okay? So just to kind of get you going, tobacco or cannabis use that is tobacco rates.

Be honest, because the information could be in your medical records if they order that and you don't want to have an issue with an insurance company of not being truthful on the application. OK, uh, your height and weight, which will help us determine your potential rate class and then your date of birth.

So I think what we're going to do today is we're gonna do an I believe, 65 Let's do a 65-year-old. So because that's about the age that we see, folks kind of looking a final expense, you can get it as early as age 50 with some companies 55 but 65 70. That's when we're seeing people think about those types of plans.

Okay, so you'll come in here and you'll see this is our, uh this is our coverage slayer here. How much death in if you want, But the first thing you need to do this is for these of return rates. The first thing you need to do is come over here and click on permanent. Don't worry about these here, cause and then slide this down.

We go all the way down to 5000 that's the minimum. And then it's gonna start showing you what's available. So we have a final expense product here starting in 29 months. So let's see here. So typically we can go up to about 50,000 final expenses or a burial plan.

This is doing the calculating right here, moving around. Now, These are all permanent plans here. So let's just like this down a little bit of 45 and see if that if our final expense premium is pulling up yet So now you're gonna see here guaranteed you well, and whole life, These air fully underwrote products, this guarantee you Well, that's, uh, that product is designed to be as inexpensive as possible, okay, for a permanent policy.

And it is a very good policy. So let's just scroll down here to 25,000. All right, now you're seeing a guaranteed you well, a whole life in final expense. You can see these costs less because they aren't written. And here's our final expense. And I'm one last thing. I'm just gonna come down here to 5000 in what we're gonna do is we're just gonna go into the final expense quote here, so select that click next.

And this is where you put your email in your phone number. Don't worry, We're not gonna pastor you Now we're into the different products for our final expense. We've got three available you can see here. This is the best rate. Always shows up on top I. And then I'm sure to other products here United of Omaha. I'm sure you've heard of them. And Gerber, do you see them on TV all the time? Down here, we can switch and change what we want to see. So today, for purposes of this, we're gonna do a $25,000 death benefit.

We're gonna rerun this quote, and now you're seeing here the new rates. So Oxford Life and waited. It's coming in at 1 32 a month. Okay, now, this is for a 65-year-old, um now united of Omaha High at 1 36 Now you say no exam, but there possibly could be based upon a phone interview Giver is to 11 which is a significant increase in the monthly premium.

Here's why Gerber is a guaranteed issue policy.

So no matter your health, you're guaranteed to get a policy. Now, it is also a great it death benefit. Within the 1st 2 policy years. If anything happens to you other than an accident, you get a return of premiums plus 10% interest is paid to the beneficiary. So you have to live for two years to get full of death. The benefit is what this says. If you don't, you'll get a return of the premiums that you pay plus 10% interest from the company. Okay, That's why it cost more Oxford.

I like United Of Omaha here in this situation!

I just worked with them for many years. Um, okay, you do not need an exam. Uh, you'll have a phone call and your medical records could be reviewed. Okay, a much better premium. So if, as I said it, unless you have significant, significant health issues. But it's always best to maybe start here. Gerber is guaranteed issues so we can always apply for United of Omaha Policy or Oxford. And if you are declined, for whatever reason, we can always go to Gerber.

And at least then you'll know what your premiums will be. You can if that looks good, you come in here and you can simply start the application form right here, which is great. So ok, folks, that's it for today. Call me with any questions, or contact us, and we'll be glad to help. But that's our review of some senior life insurance, final expense, or burial policies.

Have a great day!

Understanding What Is Final Expenses

There are several reasons to work with an insurance agent. They can help you find the right policy for your needs, provide customer service, and give you peace of mind. An insurance agent will take the time to get to know you and your family in order to determine what type of coverage is best for you. They will also be there to answer any questions you have about your policy, and to help you file a claim if you need to. Working with an insurance agent gives you someone to contact when you have questions or problems with your coverage.

• First, when you work with an agent they represent you, not the insurance company. They work for you and have your best interests in mind.
• Second, agents have access to multiple insurance companies. This allows them to find the best coverage at the best price for you. Third, agents can provide a wide range of services. From answering questions about your policy to filing an insurance claim, they can help you with it all.  Fourth, agents are an important part of the local community.

Boise Health & Life Insurance Agency With Chris Antrim

An insurance agent can be a great resource when it comes to finding the right insurance policy for your needs. Here are four reasons why you should work with an insurance agent:

1. We have access to a variety of different insurance companies, which gives them the ability to find the best policy for your individual needs.
2. We are familiar with the ins and outs of the various types of insurance policies, so they can help you understand what you're actually signing up for.
3. We are knowledgeable about all the different types of coverage, so they can help you decide what is best for your financial situation.
4. And we can recommend companies with good reputations and financial stability.