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Choice Senior Insurance – The Most Trusted Burial Insurance

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Burial Insurance
Choice Senior Insurance – The Most Trusted Burial Insurance

If a person thinks about buying funeral insurance then he must give a pat on the back, as he is thinking and preparing about the future and beyond. Most of the people when decide and prepare about their retirement, they plan till their end of life, but what about the expenses that would be required when you are gone. That is when insurance for seniors comes to their rescue. It is a very important and wise decision to buy funeral insurance or not.

What is actually Burial Insurance?

Burial Insurance, or also known as Funeral Insurance or Final Expense Insurance is a life insurance policy that is specifically designed to pay for the funeral, burial, and other expenses involved in the final rights of an individual.

The cost of such policies vary from nearly $5000 to $50,000 depending upon the age of an individual and if any amount is left after the completion of all the rights then that amount is gifted to the loved ones of that individual.

Characteristics of the Final Expense Insurance

  •         No Physical Examination is required before buying the policy.
  •         The Monthly Premiums are fixed and would never increase.
  •         The amount of final expense is assured and fixed, and would not decrease whatever the case.
  •         The Policy is not at all affected by the health or age of the individual.
  •         The amount received by the Beneficiary is absolutely Tax-free.

Funeral Insurance is very easy to understand and simple life insurance policy as it makes is quite easy for the seniors to get themselves approved for coverage. Also, it helps seniors who are generally suffering from one or the other health conditions to qualify for coverage making them feel relaxed for the rest of their lives, that no expenses would be left to their family. 

Some diseases and health conditions that are covered under the ‘Choice Senior Insurance’ policy include Diabetes, Emphysema, COPD, Strokes, Heart Attack, Cancer, Anxiety, Depression, Epilepsy, Atrial Fibrillation, Obesity and many more.

There are several final insurance policies available in the market and you may also get coverage under them along with some health conditions you are suffering from, however, the monthly premiums are different varying from insurance company to company, as they have their own eligibility criteria and rates.

Policies are also available for individuals who are suffering from some serious health issue and are not immediately covered under the burial insurance policy – such policies are termed as Guaranteed Issue Policies, such policies are guaranteed to get approved without any medical underwriting or health questions. Such a policy is kind of a blessing in disguise for people suffering from serious diseases; however, these policies have a waiting period of 2 years before the coverage starts.

Choice Senior Insurance is a specialist in final expense insurance policies and its mission is to help you find the best insurance with the best coverage while saving your hard earned money.

Why Buy a Burial Insurance?

There are several reasons why people are interested in buying the funeral insurance policies; however one of the main points of consideration is that they care about their family and don’t want to burden them with the cost of a funeral and other expenses.  Another reason for choosing senior insurance is that they want to leave some money as a gift to their children and grandchildren, and sometimes to trust or charity.  Whatever the reason may be, the company is always there to help you choose the best policy of your choice.

Applying for a Final Expense Policy is Quite Simple and Easy

The company can help you apply for the insurance policy without even visiting your home. The personal licensed agent from the company is always available to help you, from filling the application form to submitting the form to the insurance company on your behalf.  Alternatively, if someone prefers to sign using email, then he/she will receive an email from the insurance company and they can sign the application by clicking some links (do not worry at all, they will help you during this process).  After the submission of the application by email, the company generally gets a decision on the submitted application from the insurance company immediately.

 

No need to worry, if an individual does not have an email address, they will send you the application in the mail for the sign and then you could mail it back to us.  The personal agent would double check all the details before final submission to ensure that all the details are filled out correctly, after that he will submit the application to the insurance company on your behalf.  Using this way, after the submission of the application, the company gets a decision from the insurance company within a few days.

 

One of the other ways to apply for this insurance policy is to apply over the phone and the voice of the individual would be used as their signature.  Using this way to apply for the insurance policy means that there will not be any paperwork involved. Each and every procedure is completed over the phone with the help of a conference between the individual, the insurance company, and the personal licensed agent. This phone call is set up for you and you just need to answer some questions asked by the insurance company over the phone.  Using this method, you will get an immediate decision from the insurance company regarding the application for a final expense insurance policy.

 

The great part of all this process is that having your own personal licensed agent for any help from our office is absolutely free of cost, and the whole process is completed smoothly without the insurance agent ever having to visit your house.  We are always there to help you select wisely the best insurance policy for you without any difficulty and you can live the rest of life enjoying and relaxing with a peace of mind, without bothering about anything regarding the afterlife expenses.

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