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Final expense
1.
FINALEXPENSE PROTECTION COPYRIGHT ©
2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • FOR AGENT USE ONLY • NOT FOR CONSUMER DISTRIBUTION
2.
“It Is The
Primary Way To Protect You And Your Family From The Immediate Burden Of Funeral Expenses” PURPOSE: Final Expense Life Insurance COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
3.
You Might ASK…
(1) What are the various expenses I can expect as part of the funeral arrangements? (2) What are the costs involved? COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
4.
Funeral Expenses Include: IMMEDIATE
EXPENSES ADDITIONAL EXPENSES • Funeral Services • Legal Fees • Cemetery Plot • Pay off Debts • Casket • Medical Bills • Headstone • Pay off Mortgage • Visitation / Viewing • Pay off Credit Cards • Transportation • Pay off Car • Flowers • Legal Costs of Death (Probate, Taxes etc.) • Embalming COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
5.
How Much Will These
Items Cost Me And My Family? COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
6.
Average Cost of
a Funeral in 2008 Was $10,800 Breakdown of Expenses: Funeral Director Services $ 1450 Cemetery Plot $ 1200 Casket $ 2300 Headstone $ 1500 Visitation / Viewing $ 400 Transportation $ 625 Flowers $ 400 Embalming $ 600 Misc $ 2400 Grand Total of $ 10,875 COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • FOR AGENT USE ONLY •• NOT FOR CONSUMER DISTRIBUTION COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only NOT FOR CONSUMER DISTRIBUTION
7.
Three Important Topics
to Consider 1. Who is responsible to pay for these expenses? 2. What happens to the spouse that is left behind? 3. What are the 3 ways to pay for these funeral costs? COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
8.
Who’s Responsible To
Pay? Remember!! • Expenses must be paid before the funeral will be allowed to take place. Your Spouse? • Funds must be liquid. Your Children? • Traditional life insurance policies (term, UL, large whole life plans, employer plans) will take a minimum of: 30 DAYS TO PAY OUT!! Other Family Left Behind? COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
9.
What Happens To The
Spouse That Is Left Behind? COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
10.
Spouse Left Behind… Loss
of Income… Social Security Payment Changes - When one spouse dies, the other automatically receives the higher of the two social security payments, and the lower of the two drops off. This is a hardship for the EXAMPLE: widow left behind, because all A husband is receiving a$1,200a of her expenses will stay the same, or in some instances month payment from Social Security increase, yet she will be living and his wife is receiving $1,000. If he on roughly half of the money. were too pass away first, the wife will begin to receive his Social Security Benefit BUT WILL LOSE of $1,200, HERS… HUSBAND$1,200+ WIFE $1,000=$2,200 $1,200 COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
11.
Spouse Left Behind…
MEDICAL BILLS– In addition to the loss of income and The cost of the funeral itself, there are usually END-OF- LIFE Medical bills that are not covered by Medicare or Medicare Supplements. ADDITIONAL EXPENSES • Pay Off Debts – Mortgage, Car, • Medical Bills – Co Pays Deductibles Credit Cards etc • Any Expenses Not Covered By Medicare • Legal Fees • Other legal costs of death - Probate, Taxes etc COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
12.
3 Ways to
Pay… 2. Leave the Burden to Your Spouse/Children •Most-Undesirable • No one wants to leave behind a legacy of debt • Creates a financial strain on the remaining family members to come up with immediate cash. 1. YOU PAY • Checking Accounts • Credit Cards • Savings Account • Pre-Paid Funeral Expenses 3. Final Expense Protection Plan •Provides a low cost way to prepare for ALL of the expenses associated with the END-OF-LIFE. COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
13.
Key Benefits To
A Final Expense Protection Plan • Easy to apply for • No medical exam required • You can never be canceled • Plans build cash value • Funds are set up immediately in a person’s name - NO WAITING PERIOD! - Benefits Your Family • Gives yourself and your family peace of mind • Relieves them of this financial burden • Helps cover these immediate costs • Reduces the emotional toll on your spouse and the rest of the family. COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
14.
Final Expense Protection Plan
Options Benefit to EXAMPLE: Monthly Cost Children Replacement of Income + Expenses Comprehensive Cost - Sharing COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
15.
Additional Plan Benefits
Guaranteed never to increase in price. The benefit paid to you and to your family can never be lowered. Money is protected from Income Tax. Funds are made available to your family almost IMMEDIATELY. COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
16.
Who Sets Up
This Cash Account For You? COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
17.
Company Benefits •
Many Companies – Foresters, a company • Dedicated to great customer service • Over 100 years old, very reputable in the • Allows individuals and families to take insurance world. the money out early in the event that the insured the becomes terminal, ill. • Know for paying their claims very quickly (with in 7 days) Additional Member Benefits: Available to all Members- At No Cost! • Community Outreach Programs • Children grand children Scholarships - $350 a year. • Building playgrounds for communities – August in Detroit • Orphan for immediate family members. Benefits – Scholarships • Supporting local Children’s Miracle Network Hospital – 17 Million children • Critical illness benefit helped each year. • Organizing family events in the area. • Financial Counseling and free legal services. COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
18.
AS YOU CAN
SEE, These Plans Not Only Benefit You, But They Take Care Of Your Loved Ones Around You As Well!! COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • For Agent use only • NOT FOR CONSUMER DISTRIBUTION
19.
QA
CALL US AT: (800) 381.0977 COPYRIGHT © 2011 INSURANCE ADVISORS DIRECT, AGENCY, LLC. ALL RIGHTS RESERVED • FOR AGENT USE ONLY • NOT FOR CONSUMER DISTRIBUTION
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