Here’s a touchy topic that no one wants to talk about. I’m going to do it anyway because I feel it’s necessary in order to care for and protect your family and loved ones. Why? Let’s face it, we’re all going to transition at some point. All of us are going to die.

Many people reading this newsletter are seniors. Many of us haven’t prepared for that future. Some don’t have wills, trust advance directives, and more often . . . we don’t have money for final expenses. The reason is simple: FEAR. We really can’t wrap our heads around dying because no one has actually told us how it is. So… we ignore it. We also ignore the services available that would make it easier for our loved ones when we pass.

At this point, you might think, “Well, I have life insurance, so won’t that cover my final expenses?” The answer is no. Life insurance is designed to go to your beneficiaries after your death—not to cover final expenses.

So, what is Final Expense Insurance for?

      1. The first reason is obvious . . . to cover your burial expenses and even your existing debt.
      2. You can choose, in advance, exactly how your funeral ceremony will represent you and your intimate values.
      3. You’ll have just lifted a huge emotional and financial burden from your family making things as easy as possible for them during this time of grief. Your family will not have to deal with all of the planning it takes to conduct a funeral. They won’t have to worry about where they’ll get the money to pay for it. It will have been taken care of by you, the way you want to be represented when you pass.
      4. The family is provided with immediate funds to make the final expenses. As soon as the policyholder passes away, the company makes the insurance amount available to the family to make arrangements. In times of grief and sorrow, few have the strength to think exactly what to do next.  You will have taken care of everything. It’s a gift for you to leave your loved ones when they’re in the emotional and fragile state of grieving your loss.

    I will be making Final Expense Coverage available in February, and would be happy to discuss its pros and cons with you. As always, there is never a cost to work with me.

    Yours in gratitude,


    Quote of the month:

    No one wants to die. Even people who want to go to heaven don’t want to die to get there. And yet, death is the destination we all share. No one has ever escaped it, and that is how it should be, because death is very likely the single best invention of life. It’s life’s change agent. It clears out the old to make way for the new.” ~ Steve Jobs