Burial Insurance For Seniors

Permanent Whole Life Insurance, for burial and final expense needs

One of the simplest and most common full coverage life insurance policies for seniors is burial insurance. It is a whole life insurance policy that covers all your final expenses with ease, so there will be NO financial burden to your loved ones.

Burial insurance never expires and very effectively pays your final expenses.


  • The monthly premium will never increase
  • Your loved ones receive a fixed death benefit (payout)
  • No policy expiration
  • No medical exam

It is a very simple life insurance policy, with no hidden fees. After your death, a burial policy will give a tax-free check to your beneficiaries. Thus, they can pay your final expenses. There are no restrictions or conditions in using the money from your burial policy. This is tax free cash that you gift to your loved ones after you pass away.

This money eliminates the burden of your final expenses, and you can add a financial gift. Seniors with burial insurance are leaving a financial legacy to their loved ones.

Want a Life Insurance quote, without the hassle of a phone call?

          1. Text “burial insurance quote” to (928) 267-6058
          2. Easily provide info from your mobile device
          3. Get your quote!
  1. Text “burial insurance quote” to (928) 267-6058
  2. Easily provide info from your mobile device
  3. Get your quote!


Burial Insurance is a time tested life insurance solution for seniors. It’s a niche within the industry that we hone in on so that we can get you the best possible life insurance option at the best possible price. We can help with other life insurance policies, as well. But 95% of what we do is within this category of life insurance.

We LOVE Burial insurance, also sometimes known as burial insurance for seniors (Although, note that burial insurance policies can be written at any age between 1 & 85). This kind of life insurance policy is structured as whole life insurance so that they NEVER expire. They never change in price or coverage. Whatever your plan is today, it will be in the distant future. They are simple to understand and essential to your beneficiaries.

Whole life policies are incredibly straightforward.


What Gives? Before We Go Any Further…

Why Does Burial Insurance Have So Many Names? Or Are All The Life Insurance Terms Different Policy Types?


That’s a good question. Here is the 100% transparent, cut through the junk answer:

A burial insurance policy is the same as a final expense policy, is the same thing as a cremation policy, is the same thing as funeral insurance.


These are all cute terms for the same thing.


They are all structured as whole life insurance. Pay attention, as there will be a quiz later.

Death Benefits (also known as coverage) Never Go Down!


It Will Not Expire!


The price (premium) Will Never Increase!


No Physical Exam!

It’s refreshing how simple these policies genuinely are. When you die, your beneficiaries receive a lump sum. This lump sum is a check to be used; however, it is needed- although it is enough to cover your wishes, such as cremation or burial and a funeral service.


The policy, simplified, stated that as long as you make payments to the life insurance company, they are responsible for paying your beneficiary the agreed-upon amount upon your death.

 The check comes Tax-Free, so 100% of the money can be used as needed. You do not need to worry about your loved ones carrying the cost of your post-death expenses, as you have taken care of it. Your final expenses are squared away, thanks to your foresight and preparation.

Your beneficiaries have 100% control over how the money is used, and there are no consequences for using the money elsewhere, if necessary. For example, when you pass away, if your loved ones are diagnosed with a medical emergency, the death benefit can contribute toward that if they deem the money is needed more, somewhere else. That being said, over 95% of the time, beneficiaries honor the insured’s wishes to a “T.”


However, most insured are relieved to know that burial insurance policies are flexible and can adapt as they are needed.


Since the check is 100% flexible on use, once the final expenses are paid, any excess can be used as needed. Even beneficiaries with more income, investments, or capital appreciate having a policy such as a burial policy that is dedicated to take care of this financial responsibility. Clients agree; the legacy you want is one where you have taken care of these costs rather than passing on post-mortem expenses.


What’s Your Rating?

We have access to lots of high rated insurance companies and their various insurance options so that we can get you the absolute highest health rating possible. A higher health rating is essential for the lowest cost


Typically, there are 3-4 possible health ratings, in addition to guaranteed life insurance (which is written when you have health issues which would decline you from life insurance coverage). The three classifications of life insurance are Level Benefit, Graded Benefit, and Return of Premium.


Some insurance companies also have standard VS preferred if you qualify for a level benefit life insurance policy. If you are eligible for Preferred/level, that will get you the best price and the best policy. The 2nd choice is Standard/level. The 3rd choice is graded whole life. The 4th choice is Return of premium whole life insurance.


Are you “On the Level”?

A level benefit plan is the best you can get when it comes to a burial insurance policy. Particularly for seniors, this plan is crucial whenever possible, as there is no waiting period for coverage to begin, and it drops the price by 20-50%. A preferred life insurance policy is the highest rating you can get. 


When the insurance company asks you questions about your health, if you say “No” to every question, you can get a preferred rating, as long as:


  1. They offer preferred as an option

  2. There are no conflicts with your prescription medicines and their internal underwriting and risk assessment.


A standard health rating is still excellent and with no waiting period. Standard is typically average or slightly better than average in health. However, thanks to our many insurance provider options, we can usually get our clients a standard or even preferred rating, with the following health issues:

  1. Blood pressure, previous heart attacks/strokes/stents

  2. Cholesterol

  3. Blood thinners

  4. Blood clots

  5. Bipolar, depression, anxiety and/or PTSD

  6. Previous cancer

  7. Diabetes with or without insulin

  8. A-fib

  9. COPD

  10. and many more.


And You Thought You Were Done Being Graded


Graded ratings/policies offer clients with some health hiccups, which is a common occurrence, nowadays, as the percentage of these issues is on the rise. Graded plans are a reliable solution to putting a policy in place that starts ASAP, even with health conflicts. If you cannot get approval for standard or preferred, via a level policy, a graded life insurance policy will have a reduced payout if death occurs within the first two years. If death occurs within year 1, it’s typically 30%+- payout. Year 2 is usually 70%+- payout. Once you pass year 2, it is permanently 100% payout to your beneficiaries whenever death occurs.


Return of Premium- What’s That?

Return of Premium is not sexy, but it’s something. Good news, VS lousy news…

The Good news- it’s life insurance, for when you are a baby step above being declined with the insurance carriers.


The Bad news- it’s pretty terrible in terms of pricing. There is a better option, which I’ll get to, shortly.


Here’s the skinny


Return of premium policies offers the other health ratings, but you cannot quite get approved for them. So, insurance companies offer this option. The problem isn’t how it’s structured or the option, in general; The problem is the price. They boost the cost to offset their risk.


The best solution for Return of Premium?


Instead of going with a company that focuses on standard/preferred level benefits or graded- go with a guaranteed life insurance policy. They are structured the same way, but pricing is MUCH better- typically 15-40% less if you have access to the lowest price and highest rated guarantee issue options as we do.


How Do I Qualify For A Burial Insurance Policy?


Here are some basics:

Anyone ages 1-85 can get coverage. Typically this kind of policy is purchased by seniors, ages 65-85. The best-Guaranteed Issue life insurance options are for ages 55-80.


Top reasons why insurance options and cost change from person to person.


How’s Your Health?

Health is a significant part of the criteria. Again, we have lots of insurance tools in our tool belt, which is a BIG advantage we have over our competition. We commonly can save clients money on life insurance they already have, as we can get you a preferred or standard rating when you previously had a return of premium, guaranteed issue, graded or standard from another carrier.


Where Do You Live?

Your state impacts your options, as not all the life insurance companies can work with all the states. Two people with identical ages, health, etc., but living in different states will commonly have different monthly/annual premiums.


How Many Years Young, Are You?

Age is a significant factor. The longer you wait to get burial insurance, the more it costs. Make sure to explore the option of an insurance policy before your next birthday.


Male or Female?

Sorry, gentlemen. Men statistically live shorter lives than the ladies, so a 70-year-old man pays a bit more than a 70-year-old woman.


Can We Help You?

We are proud to announce that if your age falls within 55-80, we can help you. It just depends on your ability to afford it. The more you are upfront with us about your budget, your health, and your life insurance goals, the better we can serve you- and that is 100% our goal.


If you are under the age of 86, we can very likely help you and protect your loved ones with a burial insurance policy. Many clients start the conversation with a concern of qualifying for coverage and end the conversation elated- as they now have protection in place and their affairs are in order.



Unfortunately, a lot of insurance agents out there are recommending term life insurance to seniors rather than doing what is in the best interest of the client and supporting what they should have, which would be whole life insurance. While this is fine if you are younger, this is a terrible idea for seniors, and here is why:


Let’s be honest; most people outlive term policies.  Term life insurance is typically more affordable because they are more in favor of the insurance company.


Most terms end and all the term investment is lost, as the insurance company has absorbed all premiums


At the end of term policies, many seniors are uninsurable, based on age.

At the end of a term life insurance policy, most seniors that are age-insurable cannot afford a proper burial insurance policy, as life insurance policies begin to get more expensive as we get older.


Term Doesn’t Sound Exciting Does It?

Expiring policies that disappear after the term, leaving you in a bind with expensive and limited or zero options for getting reinsured. You may be surprised to read that many agents and agencies are recommending these term policies to seniors and wrapping the box as a burial insurance policy.


To make matters worse, when their clients express concern about expiration, these agents put their clients at ease by saying these policies can be renewed (continued) past the term expiration. What they don’t share is that this is almost always over 10X the cost they had before.


For example:

Let’s say a 30-year term costs $100 per month. At year 30, this policy can be renewed for another 5+ years, possibly 20-30+ years. However, during year 31, the plan will now cost over $1000 per month. It can be tough to afford that. Also, the cost will continue to increase, either every year or else every five years. Without exaggeration, with this example, pricing can continue to grow to $2500 per month or more, depending on the policy terms, riders, company, and product.


The Upsides of Term

It’s not all bad news. Term life insurance has its perks. It’s simply a bad burial insurance policy, especially for seniors. 


There are two large pieces of good news, for terms:


  1. Per dollar of insurance, they are less expensive (Because they expire)

  2. They are typically more extensive coverage- meaning larger death benefits


Commonly, final expense whole life policies are $5,000 – $40,000, whereas term policies are $50,000 – $1,000,000.


One important word of caution. Beware companies such as AARP, that market the heck out of veterans, etc., showing lower prices for short term policies. Their pricing for $20,000 in coverage, as an example, is low cost. They also push it as a final expense product in their marketing. Consider what cost and insurability will be once their small priced term comes to an end.


Then again, how much death benefit do you need for your burial or cremation financial needs?


Most people who want to be cremated and have a small to moderate service, a $10,000 policy, is sufficient. If you’re going to include a financial gift, travel expenses for friends/family to come to the service, additional funds for unpaid debts, etc., increase the coverage by that amount. The most significant final expense policies of $25,000 – $40,000 for those that want a large lump sum to benefit a spouse, family member, or friend.


Those who wish to be traditionally buried + funeral service will need larger policies. Typically $20,000 – $30,000 is sufficient. Traditional burial is on a downtrend in Arizona. Most insureds are opting for cremation. Whereas in many other states, burial is more of a popular choice.


What Is So Special about final expense, AKA, “Whole Life Insurance”?


Most people consider whole life insurance to be the absolute best kind of life insurance. There are very significant reasons for this perspective. This kind of life insurance policy is unique, being that it has substantial differences from term life and accidental life insurance.



Some accidental companies go until age 70. Some go until 75. And some accidental life goes until age 80. Again, some of these policies lock death benefit amounts until 80. Some of these companies/products cut in approximately ½ at age 70, and they stay the same cost until they expire at age 75 or 80.


The best options tend to lock coverage until age 80, at which point they expire. It’s also important to know that accidental policies can legally change in price through the policy, but this is uncommon with the A-rated, reputable companies.



They expire. At the end of the term, most can renew/extend. Unfortunately, some cannot. If they do renew, the price will skyrocket. They may require a perfect “paramed” or blood and urine test to renew if there are indicators that your health has declined in any way.


Main Differences Between Whole Life Insurance, and the Others


Now for the show dogs, the champions, the crème de la crème- burial insurance- structured as it should be, via whole life insurance.

Difference #1

Underwriting Advantages

Underwriting for life insurance can be a real pain. We often see clients who have previously been declined for coverage with an insurance company that declines them for a specific health condition or their prescription medicine. The excellent news about burial insurance is that whole life policies are more forgiving and flexible than term life insurance.

Unfortunately, it has become quite common to see health problems. Many people think their medical conditions are no biggie because doctors are often downplaying the severity of medical conditions, such as COPD, liver/kidney/lung/heart disease, and many other conditions, as well.

The good news for you is whole life insurance companies will insure you, often with no waiting period, even if you have significant health issues, or quite a few minor or moderate health problems.


Life insurance companies *usually* determine the severity of your health issues based on prescription medicines.


Here’s How It Works


Life insurance companies approach this very directly:


With your permission, they run your MIB. This stands for Medical Information Bureau. The MIB has your medical info uploaded into it, including past and current prescription medicines, medical diagnoses’, surgeries, doctor’s appointments, etc. It’s all there. Believe it or not, this is a good thing. Because they can access this, they give better pricing and more death benefit. After all, they feel their risk is lower because they have your info. The good news is, if you are upfront with your agent, they can pair you with a product/company that will say “YES” to you, as they should.


If the insurance company is concerned about what they see in the MIB, but nothing is a decline, they *may* request an APS. This stands for Attending Physician Statement. You don’t pay for this and don’t need to get involved. The insurance company requires this directly from your doctor/clinic. This is normal, and doctors/clinics see this every day. Depending on the underwriter’s review of the APS, they will either: approve, decline, or request clarification of the issue causing their concern.


Very commonly, insurance companies request that the agent clarify something at some point throughout this process. Many times the agent can simply verbalize this to the underwriter over the phone and square it away for you.


More great news- Lots of health issues will NOT keep you from getting coverage.

Sometimes some creative pairing by your agent is the solution. 


Below are common health issues that will likely NOT keep you from getting coverage:


Hypertension or other blood pressure issues, COPD or other related issues, most chronic conditions, Cholesterol, heart attacks more than one year ago, diabetes diagnosed past the age of 35, taking insulin, diabetic-related complications such as neuropathy, most heart problems, blood thinners, pacemakers or stents, blood clots, PTSD, bi-polar, schizophrenia, anxiety and depression, A-Fib, TIA strokes, major strokes beyond one year, epilepsy, any form of hepatitis, cirrhosis, cancer over two years ago, benign tumors, extreme obesity, sleep apnea, MS, seizures, fibromyalgia, blindness, deaf, severe asthma or allergies, all arthritis, such as rheumatoid, and many more.


Before you fret too much about your health, get on the horn with an agent that has a wide swath of options, and explore them. Get empowered by options/knowledge and go from there. This information is free.


Worse-case, if your combination of prescriptions or medical diagnosis’ precludes you from the mainstream no waiting period for burial insurance options, there are some great guaranteed life insurance options you should be aware of.


The most common situation where someone cannot get insured is if they are 81+ years young and have significant health issues or the rare declined prescription medicine. Anyone falling within these criteria should investigate with an agent and double-check to see if approval is possible.


Difference #2

Guaranteed Issue is Fantastic!


Term and accidental do NOT have guaranteed issue options. So, if you have medical conflicts with getting coverage and you are age 55-80, you’re in the club. They do NOT ask health questions. They only want to know your sex and your age. They do NOT care about whether you smoke, your prescription medicines, diagnosis’ or your height/weight build. For some people, this is like hitting the jackpot, as there are no other options.


So Here’s the Downside of Guaranteed Issue


Waiting Period:

If death occurs within the first two years, the payout to your beneficiary is reduced. Many of these products pay all premiums you have paid + 10%. Once you survive to a two-year mark, the death benefit is as contracted until death.



The cost is *usually* higher than policies that are NOT guaranteed issued. The reason is – the insurance companies assume if you need guaranteed issue, you have health problems they will never know about, so their risk is higher.


That being said, the best price guarantee issue options ARE well priced and well worth looking at.

There are some health issues that will always require a guaranteed issue life insurance policy, as they will be declined, elsewhere:


If you use a wheelchair- excluding a short-term injury, using breathing oxygen tanks, have HIV/AIDS, have cancer within the last two years, or taking cancer medication, have a terminal illness, receiving dialysis, have Dementia, or Alzheimer’s.


To cut through the crud- you are looking for financial protection for your loved one. Chat with a thorough agent- explore your options. You may be surprised by what life insurance protection you can put in place.


Difference #3

You have the option to get smaller policies- smaller death benefits- which means lower cost.


Okay… is this actually a benefit?


It is. Most people DO want large coverage, such as $20,000 – $40,000. However, plenty of clients want a small policy as a non-taxed gift or to cover the absolute minimal burial costs. The key here- is that with this life insurance policy, you have options that you do not have with term or accidental policies.


Some burial insurance products offer the option to get policies as small as $2,000, which brings the price down as much as possible. Less coverage = lower cost life insurance.

Other Whole Life Insurance Options


Accidental Death Rider

As an example, in Phoenix, Arizona- Almost everyone has the option of adding a very inexpensive accidental death benefit rider (ADBR) to their final expense policy. Limitations might be age and health- ask your agent. The benefit of this rider is that the death benefit DOUBLES if death is NOT due to a medical problem, such as cancer, heart attack, stroke, etc. So, if death is due to a car accident or fire/suffocation/etc., the payout is twice the amount.


Here is some more clarity:


Susan Bishop, in Phoenix, Arizona, has a $20,000 whole life insurance policy, with an accidental death benefit rider.


Susan dies in a car accident, and her beneficiary receives $40,000.

If instead, she died of a heart attack or another medical problem, the payout would have been $20,000.


Some examples of accidental deaths (Certain companies have some limitations):

Motor vehicle accidents- #1 cause of accidental deaths in the United States. 


  • If you are riding a motorcycle, wear a helmet, or your beneficiary won’t get paid.

  • Fire-related injuries

  • Suffocation

  • Firearms- This does not include combat zones or suicides.

  • Industrial- Explosions, equipment malfunctions, and any other work-related deaths.

  • Falls

  • Poison- 1) Gases and vapors & 2) Solids and liquids

  • Drowning- This excludes drownings that occur as a result of natural disasters.

  • Other accidents- This includes death due to medical professional mistakes, air transport, machine deaths, and the impact of falling objects.


It’s a bit ridiculous, all the ways we can die. A whole life policy covers the gambit, aside from some previously mentioned limitations.


Larger Death Benefits

You CAN get more extensive coverage policies. Whole life can go up into the millions. 2 things you need to know.


#1 You need to be extremely healthy to qualify. One or less minor prescription medicine. No disqualifying conditions- ask your agent. Nearly optimal build- height/weight.


#2 The price goes up, with more coverage. This seems obvious, but you need to know $200,000 whole life costs much more than $200,000 term. Typically a $20,000 – $40,000 whole life policy approximately equals the cost of a $150,000 term. The higher your age, the more the term costs. The lower your age, the less everything- especially the term costs — another reason most seniors choose burial insurance via whole life coverage.


Universal Whole Life

What is this universal nonsense? Well, it’s not nonsense, but it can seem a bit complicated. Very few clients opt for universal coverage. Usually, clients choosing universal whole life are under the age of 40 and are very healthy with no prescription medicines.

Most universal whole life policies increase in both cost, as well as a death benefit, as the policy matures. They quickly build coverage over time, and the cost/premium of the policy increases quite a bit, especially in 20-30 years. You can choose NOT to increase your premium payments, but there are consequences, as the face value and, potentially, the cash value will decrease as you do not increase payments. 


This can get bad, real quick, for your beneficiaries.


These policies are more expensive than their more popular whole life insurance counterparts.


Who Needs Burial Insurance?


We know why people want final expense policies. They want to protect their loved ones- and this is the most economical way to do this. Plan while you are alive to tell them about it and provide for them from the grave. It sounds morbid, but it’s one of the most loving and appreciated things you can do for your family. We often get phone calls from beneficiaries when our clients pass away, and we guide them through the last step to get a check ASAP. They 100% always greatly appreciate the help, no matter what their financial situation is. It’s amazingly touching. It’s emotionally challenging to go through this process for all of us- but the money always helps.


So why is burial insurance NEEDED?


Sometimes policies are acquired as a gesture of love, but sometimes the beneficiary genuinely needs help, as they otherwise would not be able to afford the impending costs. Sometimes they need the extra financial support, via a life insurance tax-free gift, to make things easier and give your loved ones a step up in life. Life insurance may be the best way to accomplish this.


There are a lot of reasons why life insurance may be a good fit:


  • Minimize the financial burden left to your loved ones.

  • The tax-free transfer of wealth

  • Financial gift

  • Cover other miscellaneous costs related to burial or cremation, such as travel expenses, funeral costs and more

  • You have some coverage, but want more

  • You have some burial insurance coverage and want to see if you can save money by getting a better price


…Let’s talk about that last one a bit.


MANY times, we chat with clients who have been paired with lousy life insurance options. Maybe the product is great, but it’s a poor health rating. Or the health rating is strong, but the product is unnecessarily expensive as less expensive options are available. Or the product is all wrong for your needs, and the agent simply did not listen well enough or diagnose your solution appropriately.


We quickly help our clients, but we mainly focus on asking questions and listening so that we recommend the best options and then share the best prices available. Then, we adjust as needed based on your goals, wishes, and budget.


The beautiful thing is, we can adjust the policies to create the perfect product for your situation. Any company with extensive company/product options can do this with a great insurance agent at the helm.


How Do We Proceed? What’s Next?


An application is involved, but here’s the process:

#1 Confirm the best pairing of a policy + YOU. This is done very simply. A conversation between one of our agents and yourself- over the phone or face-to-face. 95% of our clients select and start life insurance policies over the phone. Call us at (928) 323-0933, and we can begin.

#2 Confirm the likelihood of approval before starting an application. We chat! We ask questions about your health- current health, as well as medical history. This is when it is good to overshare, so we can pair you with the best possible option and get you the best possible price.

#3 Confirm the best price. We shop quite a few highly-rated life insurance companies to accomplish this. When we share a price with you, we have vetted your options and found the lowest priced option. Our website has a form you can use to generate a life insurance quote without even calling us. Over 90% of the time, this software does a great job of selecting the lowest-priced options. IF you use it, we double-check the results and your health and age to confirm it pulled pricing correctly.


#4 Apply- You have to love modern technology when it comes to applying for life insurance. It is typically pretty quick, depending on the insurance company we select. Some companies take less than 10 minutes, and some take 10-20 minutes to finish.


You pick the starting date and the renewal date every month. 99% of clients prefer automatic withdrawal from your bank account because it is easy to forget when and how much you are supposed to send. Some companies require auto withdrawal. Plan on using a bank account rather than a credit card- as most companies require this and no longer offer credit card charging as an option.


#5 We follow up. We will reach out to you and confirm approval as soon as it’s accepted- if we do not receive it while on the phone with you. Most of the insurance carriers burial insurance options will decline or approve policies before we finish our phone call.


The Application

Sometimes we can choose how to apply, and sometimes we have to apply with only one method, depending on options the particular life insurance company offers.


Email Signature. Your agent fills out the application with the insurance provider. Once everything is completed correctly, it is sent to you for review and signature. You simply need a smartphone, tablet, or computer that has access to email. No printing, faxing, or scanning is required. If you can click a mouse or touch a touch screen, you are set. If you have never digitally signed before, your agent will help you through it.


Voice Signature. One of the simplest ways to apply is via voice signature. A small number of companies offer this. Their representative joins you and your agent on the call once you are ready. Your agent merges the calls, and you complete the entire application telephonically with them. No paperwork at all. Once they approve, they mail you your shiny new policy.

Paper Application. Some companies still require a traditional paper application to be signed with a pen- this is called wet ink in the industry. If they require it, it can be emailed to you for you to print- or else mailed to you, with every signature and date spot earmarked. You sign/date and review and mail it back to your agent. Or, the agent can simply swing by with the paperwork and take care of everything for you.


It is 100% up to you to meet face-to-face with an agent or do everything telephonically. You are the boss!


How Do I Save $ When Getting Life Insurance???

Here’s the deal. Like most things, you need to shop around to get the most bang for your buck. Cross-check other companies, compare their various products, line that up with your medical history, prescriptions, diagnosis (mental, emotional & physical), and other relevant issues and compare, compare, compare. Frankly, even the agents’ heads spin, on occasion, during this process- and they have the tools, access, experience, and know-how to get it done efficiently.


When you go through this process, you have a few choices:


Meet with 10-20 burial insurance specialists and have them price options for you.


Meet with an independent agent who can access 10-20 burial insurance products with excellent pricing, to shop for you.  


Bare minimum, make sure your agent can access quite a few companies and products, to find you the best price by getting you the highest health rating. You also want to make sure it’s an agent that hones in on burial insurance and not a focus of term or accidental. They should also have experience with burial insurance rather than getting paid by you train and learn the industry. Finally, they should have strong testimonials, reviews, and ratings- which demonstrate they are not only legitimate but likely care a great deal about taking care of their clients and being available when needed.


Protect With Insurance – We will earn your business every day and with integrity.

We know you can choose to work with anyone you want. That’s how it should be. Every company that you work with should strive hard to earn your business. We pride ourselves on earning our clients’ business and the business and loyalty of their friends, family, neighbors, and co-workers because we are dedicated to you, specialized in this niche, and offer more access to better pricing than our competition.


It’s Simple.


Exceptional, trustworthy Service & Superior Product.


Many of our clients say they chose us because they trust us. We listen, find the best options with the best prices, get a policy approved, and then remain available as our clients need anything moving forward. Our clients usually tell their beneficiaries to contact us. Rather than the insurance company, because our customer service and responsiveness are unparalleled.


Why We are Better.

Many of the companies we contract with do not contract with any other local agents, period. They require high standing and business reputation and have the highest training demands of their contracted agencies. These companies allow us to write preferred health rating policies when other agents can only write graded or guaranteed issue options. They also have unique and superior living benefits that you get with your policy, in addition to the death benefit.

We know our product options are the best and most numerous. This gives us a considerable advantage over the competition and gives you the best burial insurance policy at the best price.

We are incredibly familiar with the behind the scenes process. Underwriting is a big part of this. Knowing how it works, what the underwriters are looking for, and what the legal limits are, gives us a serious edge in your favor.


Another reason we will earn your lifelong loyalty is we will ALWAYS give sound advice, whether it results in earning your business or losing your business. MEANING… Commonly, we advise clients to either NOT get insured or to wait on getting insured based on their budget or other situation, which is creating a conflict. A great example is if clients already have insurance from 20 years ago, and today’s rates cannot touch the price, and the insurance coverage is whole life and adequate for their needs, we advise not to get additional insurance. Part of our process is to make sure you do NOT get over-insured. This is an ethical issue that we stand by.


We empower EVERYONE to generate their quotes on our website, unlike most other agencies. We want you to have useful tools in your toolbelt, so you can, at any time, compare pricing and inspect whether you can improve upon what you currently are paying or what you would pay if you took the plunge into life insurance.


Just know, the quote software is smart enough to compare pricing but not smart enough to know your health. That’s why we follow up with you and confirm everything before your application.

Just like 100% of our clients- reach out to us and decide on your own. We are ready to take you under our wing and help however we can.

Example Burial Insurance Program: Living Promise
Program Highlights:
  • 100% full death AND Terminal coverage
  • NEVER increases in cost or reduces coverage
  • NO waiting period or medical exam
  • Builds cash value & 100% tax-free
  • **DOUBLE indemnity** Pays 200% if death falls within the accidental category
  • Coverage options up to $40,000


Level benefit plan
If you are healthy and have no history of diseases, you will get 100% coverage from day one. You will pay the lowest price if your answers are “No” to all of their health questions.

Graded benefit plan
If your answers are “Yes” to 1 or more of their health questions, then there may be a reduced death benefit, if death occurs within 2 years of starting a policy.

Modified plan
If you have significant health complications, keeping you from getting graded or level benefit burial insurance, you may qualify for a modified plan, which is also known as a return of premium whole life insurance plan. This burial insurance plan will pay your loves a further reduced death benefit, IF death occurs within 2 years from starting the policy. After the 2 years, the policy pays 100% of the death benefit.

Guaranteed plan
If you have the above mentioned health complications, and only qualify for the modified burial insurance policy, it is highly recommended you get a guaranteed life policy. This type of burial insurance works EXACTLY the same way as modified, but costs far less.



  • State of residence
  • Age
  • Health

People who are applying for burial policy should be within the age range of 55 to 90.

For severe health conditions, ages should be between 55-80.

If you have any questions, call or TEXT us at (928) 323-0933.