Final Expense Insurance for Seniors over 80

What Is Final Expense Insurance?

Final expense insurance can save your loved ones a lot of money and stress at the time of your death. With the high cost of funerals, the last thing anyone wants to think about after they lose a loved one is paying for and planning final arrangements. Final expense insurance can help ease that burden by paying for many of the costs associated with funerals.

How Much You Should Buy?

It’s a good idea to discuss with your loved ones, or whoever will be your policy’s beneficiary, your wishes for the type of funeral you would like to have.

In general, funeral costs can range from $1,000 to $10,000 or more.

No one likes to think about what will happen after they are gone, but don’t forget about the people who will be left behind and will need to take care of your final arrangements.

If you don’t already have a regular life insurance policy, buying a final expense insurance policy is a good alternative that will help your loved ones pay for your funeral costs.

To get started, compare your options between final expense insurance and life insurance, decide if you’d like to submit to a medical exam or not and determine how much final expense insurance you should buy.

Call Mintco Financial Independent Advisors at 813-964-7100

We will shop the best rate for you!

or get a free quote at http://www.mintcofinancial.com/quotes/final-expense-life-insurance-quote/

Do not delay what you can do now! It is easy and you speak direct to us!

Senior Life Insurance and pre-paid funeral

The biggest advantage to buying life insurance is the extra money. Not only are you able to provide your family with the necessary funds to cover your funeral expenses, but you also are able to leave loved ones with extra money to live on. Secondly, a life insurance policy provides your family with one lump sum check of tax free money! Life insurance is usually more affordable than a prepaid plan, especially if you’re in good health. Finally, there are a variety of flexible payment options associated with life insurance compared to a pre-paid funeral plan. Each life insurance policy is tailored for the insured and therefore provides options like multiple beneficiaries and flexible amounts of coverage rather than only getting the same few choices as everyone else at a funeral home.

The most important disadvantage of buying a prepaid funeral plan is that you HAVE to use the money on the funeral because you are paying the funeral home. This goes hand in hand with another big concern, which is if you move out of state. Funeral homes often times will not refund you the money spent on a plan, so instead of buying an insurance solution to allow your family to pay for your funeral, you simply lose your money invested or force your family to pay even more burial costs for transportation. The final problem associated with a burial policy is as many people start to get older, they change their mind on being buried and often times want to be cremated out to sea. Just like you if want to switch funeral homes, you usually can’t get all of your money back. There are too many unexpected things that could happen in the future to rely solely on a prepaid funeral plan.

Call Mintco Financial Indpendent Advisors for a free quote. We are independent financial advisors.

Independent Advisors has the ability to compare price, product, and service to insure the best life insurance quotes.

The final benefit is that an independent agent has the ability to apply to multiple companies in case one insurer won’t write the policy. There are times when a client applies to multiple carriers and receives multiple rates that are not similar.

Call us now at 813-964-7100 or fill the quote:

http://www.mintcofinancial.com/quotes/final-expense-life-insurance-quote/

Burial Insurance for seniors over 80 years old

Do you know someone elderly who has no life insurance benefits planned?

Most of us don't like to think about our own or for any loved one’s funeral, but no matter how much we ignore the inevitable, the truth is that when the time comes someone will be responsible for those expenses. The question is will it be our grieving loved ones like family members or friends who would pay the bill or would you plan ahead and take out funeral insurance to cover those costs so they'll have one less concern to worry about.

One of the best things about funeral insurance plans is that they are affordable and accessible to everyone. Funeral insurance premiums are payable monthly so as you could still pay the premiums even if you are on fixed income or low income, enrolling into a funeral insurance plan does not require a medical exam, so people in high risk categories, such as smokers, or with pre-existing medical conditions can still qualify however if you are healthy with very few health conditions which are under control with medication then we can assure you lowest possible premiums as we as an independent advisors shop around for you and assure you no one can do better than us.

Check our website for more info: www.MintcoFinancial.com

Even without these benefits, the reality is that funeral costs are constantly getting higher and most of our current life insurance, if we have any, simply is not enough to cover medical bills, existing debt, and burial or cremation expenses.

Funeral insurance provides security and shows those we love that we cared enough about them to plan ahead and to save them from the unnecessary stress of paying for our funeral. We offer you personalized and professional assistant with are experienced and caring licensed Life Insurance independent advisors.

Mintco Financial is a nationwide company and leading in Burial Insurance, thats why you will get the best cost for your money.

Call us today at 813-964-7100 and we will give a quote in 24 hours guaranteed!

Or fill the quote form and we will contact you:http://www.mintcofinancial.com/quotes/final-expense-life-insurance-quote/

Did Michael Jackson have Burial Insurance?

Michael Jackson’s funeral delayed because Janet wanted her $40K burial deposit back, says new book.

When it came time to bury Michael Jackson, the scheming over money did not cease. According to Sullivan’s book, Michael was not laid to rest until September 2009 (he died on June 25) because Janet would not allow it until his estate repaid her the $40,000 cemetery deposit that she had ponied up to secure him a spot at Forest Lawn in Glendale, California. 

If Michael Jackson had Burial Insurance, all the $40,000 cemetery deposit would be paid by the insurance - depending on his policy.

Buying insurance to finance your funeral may seem like a no-brainer - death is inevitable, after all, and somebody will have to pay.

While it's important to know how your funeral expenses will be paid, don't forget to look at other expenses your loved ones will incur after you're gone. 
When considering final expenses, take a step back and look at the bigger picture,if you were to pass away, will all the financial needs of your dependents be taken care of?
Consider other needs besides the funeral, such as paying medical bills, paying off a mortgage and protecting an estate for heirs.
Call us at 813-964-7100 and talk to one of our financial advisers to get a handle on what those expenses might be and the amount and type of life insurance to buy. Rather than purchasing a small, guaranteed issue life insurance policy or a preneed policy for your funeral, you might want to buy a larger, traditional life insurance policy, which could take care of funeral expenses as well as other financial needs your family might have. Keep in mind a term-life insurance policy will cover you only for the policy's term, such as 10, 15 or 20 years. Only permanent insurance, such as whole life or universal life, provides coverage no matter when you die.
Guaranteed issue plans for funeral expenses are marketed to seniors, but other types of permanent life insurance are viable options for older adults. Mintco Financial is a leading company in Burial Insurance and can get a Life Insurance for seniors over 80.

Call us now at 813-964-7100 or email us at anecamara@mintcofinancial.com

Get a free quote now!

 

Burial Insurance and Letter of Wishes

 
"I have life insurance through the company I work for as well as private life insurance through 2 different companies.
I got the whole life policy almost 18 years ago and I will be finished contributing towards it in about a year. It will be something I will always have no matter if I stop working and don't have any other insurance. At least my family won't have to worry about burying me after I'm gone.
My mom had no insurance at all. I thought she did but she didn't. And when she died... her funeral cost had to be split among my family."

Do not be a burden to your family, get your Burial Insurance. We are a leading company in Burial Insurance.Give us a call 813-964-7100 or email us at http://www.mintcofinancial.com/quotes/final-expense-life-insurance-quote/

Letter of Wishes


You may already have a will and a Power of Attorney or Living Will, but have you thought about who will handle important financial matters and what your wishes are in the event of your death?    I suggest that you write a letter to your family, typically addressed to your spouse (usually the executor of your will). You may also want to address the letter to your children, particularly if they are the primary beneficiaries of your estate. This letter is meant to provide assistance and guidance to your family regarding items not covered in your will. It will not change your will. Here are some points to cover in your letter:

1. Funeral and burial arrangements: Where, by whom, what kind, and at what cost?
 
2. Anatomical gifts: Identify the nature and location of any anatomical gift declarations you have made. 
 
3. Memorials and contributions: Identify what organizations or institutions might be appropriate recipients of memorials or charitable donations made in your memory.
 
4. Preparation of obituary: Should your obituary be prepared in advance and updated periodically? To which newspapers or websites should it be sent?
 
5. Notifications of friends, relatives, business associates, and colleagues in charitable or civic groups. Identify those persons to be contacted upon your death, noting any particular requests or messages to be given, and listing their current addresses and phone numbers.
 
6. Location of your safe-deposit box and its key.
 
7. Location of your will and estate planning documents: Include any trusts, buy/sell agreements, or extraneous writings incorporated in your will.
 
8. Medical and hospital coverages and location of the policies.
 
9. Social Security and Veterans Administration benefits: Identify current or potential benefits.
 
10. Life insurance: Indicate where policies are located and what steps should be taken to collect policy proceeds.
 
11. Location and explanation of title documents and other records relating to your assets. Include deeds, stocks, bonds, bank accounts and deposits, retirement plans, and vehicle titles.
 
12. Identify obligations involving periodic payments, such as your home mortgage, car loans, and other debts, including amount and to whom payable.
 
13. Identify your attorney and professional advisers (including your accountant, broker, trust officer, and insurance agent) who you currently use or recommend.
 
14. Key employees and business friends to keep business operating until sale. Remember, the value of an ongoing business is much greater than a closed one.

Did Kris Jenner buy Funeral Insurance for all Kardashians?

We are not sure if  Kris Jenner is buying a Burial Insurance but she is planning her funeral.

There's no doubt that Kardashian-Jenner family matriarch Kris Jenner has a busy schedule, so the talent manager is planning ahead -- for her own funeral!

Despite opposition from her husband, Bruce Jenner, and kids Kim, Khloe and Robert Kardashian, Kris, 56, calls a family meeting on Sunday's episode of Keeping Up With the Kardashians to discuss her ideal final resting place.

"If something happens to me, you're going to be hopefully sad about it -- you're not going to make the right decision," she admits as Khloe, 28, and Rob, 25, choke back laughter and make bored snoring sounds. "There's a lot to do and I want to make sure everything's organized if something happens to one of my family members."

Funeral expenses can be very high. And you do not want to leave it to your family members.

Get your quote with the leading company in Burial Insurance: Mintco Financial.

www.MintcoFinancial.com

Burial Insurance Quote 

Call us 813-964-7100 for a free quote

Suze Ormans says Long Term Care Insurance is a must have.

On the subject of long-term care insurance, Orman called it "a must if you can afford it."

Long-term care insurance (LTC) is one of the most important insurances anybody can get, from the day you buy it to the day you use it. Average age of entry into a nursing home is 84. If you buy it at 60 and all of a sudden you are 75, you can’t afford it anymore. The insurance company took the correct bet that you’d drop it right around the time that it’s really important. My greatest advice to you would be that if you are going to buy LTC, you need to know that, without a shadow of a doubt, it is going to be an easy expense for you to meet every single year for the rest of your life.

Get insured. We’re living longer than ever before. And with that comes the hard truth that we don’t know how we’ll fare. “That’s why it’s important to get long-term-care insurance in your 50s,” says Orman. It will cover nursing home, assisted living or in-home health care costs, which can take a big chunk out of your bank account—or your kids’!—otherwise. Don’t wait until after 60 to purchase it, however. You’ll face higher premiums and may be denied coverage because of a preexisting condition. Act early and give yourself peace of mind. 

Get a free quote:

http://mintcofinancial.com/long-term-care-insurance-quote.asp

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www.MintcoFinancial.com

Call us:

813-964-7100
716-565-1300

Email us:

anecamara@mintcofinancial.com

Life insurance for Seniors over 80

How easy is it to get coverage once you are a senior?

Get a free quote: www.MintcoFinancial.com

The truth is, it is a bit more difficult than getting life insurance for a 20 year old but the bottom line is the same whether you are in your 20s or 80's. Are you healthy enough to qualify? And if you qualify, what plan can you get? For most people over 65, whole life tends to be the plan of choice. Particularly if they want to keep the process fast and simple. No exam whole life insurance is by far the easiest to apply and qualify for. Some companies will even just take a paper application, do a quick phone interview (and sometimes not even that) and that is it. You can get a final answer in as fast as 2 days! One limitation to these plans is the amount you can qualify for. The most we have seen with one company is $75,000.

Seniors from the age of 60 to 85 can get life insurance. The process can be as simple as for the younger groups. Plans without exam are also available and make it even easier for seniors to get the life insurance they need.

If you are over 85:

If you are shopping for life insurance quotes at age 85, then you should know what your quote request for inexpensive life insurance for seniors options are. Are you looking for term life, whole life, burial insurance, or are you unsure of which type of life insurance is best for you?

At over age 85, your options for life insurance become more limited. You may still be able to qualify for up to a 10 year term life insurance policy, as well as whole life insurance, burial insurance, and final expense insurance. Keep in mind that the rate that you will pay depends on several variables such as age, health history, family health history, driving history, and more.

If you are a smoker or, not common with seniors over 85, if you have pre-existing health conditions, you can still get affordable rates for life insurance. Even with major health issues, you may qualify for a guaranteed issue life insurance policy.

Get a free no obligation quote today and compare multiple quotes from the nation's highest rated carriers. Remember that all life insurance carriers have different rates, so it pays to compare.

You do not have to meet with an agent to get the plan you need. We have developed a simple method to get seniors the coverage they need without having to waste your time with in house or office visits.

Call us at 813-964-7100 or email us at anecamara@mintcofinancial.com 

We will be glad to help you!

www.MintcoFinancial.com

Get a free quote:http://mintcofinancial.com/life-insurance-quote.asp

Life Insurance for Senior Citizens

 Life Insurance for Seniors quote: http://mintcofinancial.com/life-insurance-quote.asp

You need to know that senior life insurance products are going to be limited when you go beyond the age of fifty. But despite your age, there a lot of companies who can offer you plenty of options to get your term life insurance policies. In fact, a lot of providers are willing to work with you even at that age bracket. Some life companies have found that they can generate more income and better business by catering to specialty insurance customers, including those over the age of 50, because it allows them to meet a greater need than a standard insurance company could.

Whole life insurance covers burial insurance, which will cover any expenses in funeral cost and other expenses. These policies are simplified issue, so there is no medical exam necessary to qualify. To prove coverage and eligibility, prospects needs to answer some simple health questions. Those people aged fifty to eighty-five is covered by this plan and they usually get a funeral insurance coverage of about $2,500 to $30,000 – guaranteed. Your premium is level for life and your policy accumulates cash value over time. For elderly people, this is the most common type of life insurance they should get.

Another type of life insurance for senior citizens is whole life insurance is most commonly referred to as “guaranteed issue”. This type of whole life insurance policy does not require extensive underwriting. Instead, a simple application is filled out and the insurance policy is issued within a few weeks. Sometimes, the policy can be issued in a few days or even the same day the application is submitted. The other simple form of policy is called single pay-whole life insurance policy because of its simplified process that does not involve a lengthy full medical examination just to get approved. The benefit of a guaranteed issue policy is that the individual does not need to go through full underwriting. Paper work is kept to a minimum and usually does not entail medical examinations. So senior citizens get their policy issued in no time and insurance companies do not need any other requirements.

Get a free quote from Mintco Financial:http://mintcofinancial.com/life-insurance-quote.asp 

Mintco Financial is specialist in Seniors Life Insurance, Term Life Insurance for Seniors, Funeral Insurance, Burial Insurance.

Free quote:http://mintcofinancial.com/life-insurance-quote.asp