Jack E. Morris Insurance & Financial Services

Final Expense Life Insurance Anyone who has lost a loved one, knows how difficult loss can be. The emotions can be overwhelming, but one quickly finds how hard of a time it can be financially as well. The cost of a funeral can add up quickly, and the last thing someone needs to worry about in such a difficult time is if they will be able to cover the funeral expenses. That is why planning ahead to find a policy that fits your needs is critical. Burial Expenses A tough topic ...to discuss. Final expenses are the expenses a person acquires at the time of death. This usually includes burial arrangements and medical expenses. The average burial runs around $8,000 - $12,000. This does not include funeral. Funerals as morbid as they may sound can be as expensive as a wedding. It is a gathering of loved ones and depending on where funeral services are held and how many people attend, the average funeral can run around $10,000 - $20,000. Medical expenses are another story and have no cap on how expenses they can turn out to be. Peace of mind for Seniors Burial insurance or final expense insurance is a basic life insurance policy that covers people till they reach the age of 100. It is an easy insurance to obtain, much simpler than complicated whole life or term policies. A burial insurance or final expense insurance policy gives your loved ones the opportunity to cover the expenses of a funeral with the flexibility to choose how to use the existing policy at the time of a loved ones death. Besides the peace of mind that a final expense insurance policy offers, it also offers never changing premiums, a policy that accumulates a cash value and permanent coverage making it a wise investment decision for your future.

Long Term Care planning isn't about you, it is about all the people closest to you, who will end up caring for you that will be greatly impacted by your condition. You will receive your care regardless of whether or not you have planning out of duty , honor and love. It is the impact of the care to them we do this planning for.

LTC, prepare for the What If's.

Let the games begin. Good luck to all.

Don't forget, you worked for it don't give it back.