Unfortunately, end of life expenses add up quickly:
Traditional funerals today often range between $7,000 and $12,000.
Cremations can still cost $2,000 to $5,000+, especially with memorial services.
Without planning, families are left scrambling, relying on credit cards, loans, or fundraising to cover the costs. This creates added financial stress at a time that should be focused on healing.
Final Expense Insurance is designed to remove that burden. Policies are affordable, with many costing just a few dollars a week, and they’re easier to qualify for than larger life insurance plans.
By taking care of these arrangements in advance, you give your loved ones the gift of peace of mind, ensuring they can focus on remembering your life instead of worrying about bills.
What it is: Coverage for a set period of time (10, 20, or 30 years). If the insured passes away during that term, the death benefit is paid out. Once the term ends, coverage typically expires unless renewed.
Who it’s for:
Families who need protection during their highest financial responsibility years (like raising children or paying off a mortgage).
Budget-conscious individuals who want the largest amount of coverage for the lowest cost.
Why it matters: Term life provides affordable, high-value protection at the time it’s needed most.
What it is: Permanent coverage that lasts a lifetime, as long as premiums are paid. Whole life also builds cash value that grows over time and can be borrowed against.
Who it’s for:
Individuals who want guaranteed lifetime protection.
People looking for a policy that doubles as a conservative savings vehicle.
Why it matters: Whole life offers stability, guaranteed premiums, and a cash reserve for future needs.
What it is: A type of permanent coverage like whole life, but with more flexibility. Premiums, death benefits, and cash value growth can be adjusted over time.
Who it’s for:
Those who want lifetime coverage with flexibility to adapt as financial needs change.
People who like the idea of linking cash value growth to market performance (in Indexed Universal Life, or IUL).
Why it matters: Universal life allows policyholders to balance affordability with long-term growth potential.
💡 Bottom line:
Term life = affordable protection during key years.
Whole life = guaranteed coverage + cash value.
Universal life = flexible, customizable lifelong coverage.
Permanent protection: Like other universal life products, IUL provides lifetime coverage as long as premiums are paid.
Flexible premiums & benefits: You can adjust payments and even increase or decrease the death benefit as your needs change.
Cash value growth: Part of your premium builds cash value, which grows based on the performance of a stock market index (such as the S&P 500®). Unlike investing directly in the market, your money isn’t at risk of market losses — you get the upside potential with a built-in floor that protects your cash value.
Families: Protect loved ones with lifetime coverage while building an additional savings cushion.
Business owners: Use IUL as part of succession planning, executive bonuses, or key-person protection.
Individuals planning retirement: Grow tax-deferred cash value that can provide supplemental income later in life.
Flexible premiums to fit changing budgets.
Tax-advantaged growth and access to cash value.
Protection against market downturns with the opportunity to share in market gains.
No matter which option fits best, life insurance ensures your family is protected from financial hardship — whether it’s paying the mortgage, covering education costs, or securing long-term stability.
Explore your options today and find the right balance of protection and peace of mind.
Low rates that never increase: Purchasing life insurance for a child locks in their coverage at the most affordable rates they will ever have.
Guaranteed coverage for the future: No matter what life brings, even health changes later on , your child will always have the security of coverage.
Growing savings potential: With Whole or Universal policies, part of each premium builds cash value over time. By the time they reach adulthood, this can be used to help with college, a first car, a down payment, or other life milestones.
A legacy of love: Beyond the financial benefits, Children’s Life Insurance is a meaningful way to show you’re thinking about their future; today and always.
Parents who want to give their children a head start in life.
Grandparents looking for a special, lasting gift.
Families who value financial security and long-term planning.
Bottom line: Children’s Life Insurance isn’t just about protection — it’s about building a foundation of love and security that grows as your child does.
Start their journey today with the gift of lifelong protection and future financial support.
