Don’t Be Without A Final Expense Policy

A  final expense policy is a permanent life insurance product which provides coverage throughout the insured’s lifetime.

It combines a death benefit with a savings element. 

A final expense policy also has level premiums throughout with the proceeds being made immediately available to pay off final expenses. 

Such expenses can include funeral costs, medical bills, or other associated expenses.

Burial Insurance

Also called burial insurance, final expense policies are typically inexpensive and offer benefits generally from $2,500 to up to $25,000. 

They often do not require medical exams and are favored by seniors on fixed incomes as an economic way to cover final expenses.

A Sense of Peace and Security

If you have Social Security, Medicare, and either a Medicare Supplement or Medicare Advantage, then you need a Final Expense policy to cover all of your bases. 

You will then feel a sense of peace and security knowing that you will not have to burden your loved ones in any way.

Applying is easy and simple. No height or weight requirements. Most health conditions accepted. 

Call (773) 614-3201 for a personally designed Final Expense policy.

Only Life Insurance Policy You Need

No one’s financial plan is complete without life insurance. 

If your financial planner does not incorporate life insurance in your financial plan he or she is doing you a tremendous disservice. 

The only question is what type of life insurance.

Limited Value of Term Insurance
While term insurance term insurance can be useful for a young person, recently married, with a mortgage and young children, for older people whose children are grown and who have the potential of acquiring a health problem, term insurance is not the way to go. 

Term insurance is just what the words alludes to. It's for a term of years and then it's no more. If you have an option to keep it and do so, your premium jumps significantly higher. 

Forgetting term, for most of us a choice need to be made among four types of life insurance: a preferred whole life, 20 pay whole life, whole life with modified death benefits, and a whole life final expense .

Final Expense Whole Life Policy
If you have a preferred whole life or a 20 pay whole life already in place, then the only type of life insurance policy you still must have is a whole life final expense policy.

You need a whole life final expense policy to provide your family the money when they need it – a policy which will pay all the costs associated with your funeral and burial expenses within 24 hour of the documents being received while you are waiting on the other policies to pay out.

The other policies may be designed to provide for a lifetime income for your surviving family and may take take several weeks or more to pay out. However, only the whole life final expense policy will give your family immediate benefits.


For Illinois residents, call (773)614-3201 for more information and quotes.

Type 2 Diabetics Can Buy Life insurance

The diabetes epidemic continues to garner headlines, with the emergence of Type 2 diabetes among young people the most alarming. 

The greatest increases in numbers of total cases of diabetes in industrialized countries are, however, occurring among elderly people. 

This is because of the aging of the overall population as well as a greater absolute increase in the prevalence of diabetes among elderly people than among young people. 

Diabetic Population in the U.S.
People 65 years and older will make up most of the diabetic population in the United States in the next 25 years. 

More alarmingly, the proportion of the diabetic population 75 years or older is projected to exceed 30% in the United States in the next 50 years. 

Most Common Form of Diabetes
Type 2 diabetes is the most common form of diabetes. In type 2 diabetes, your body does not use insulin properly. This is called insulin resistance. At first, the pancreas makes extra insulin to make up for it. 

But, over time, your pancreas isn't able to keep up and can't make enough insulin to keep your blood glucose levels normal. Type 2 is treated with lifestyle changes, oral medications (pills), and insulin.

When glucose builds up in the blood instead of going into cells, it can cause two problems:

• Right away, your cells may be starved for energy.
• Over time, high blood glucose levels may hurt your eyes, kidneys, nerves or heart.

Control Type 2 Diabetes
Some people with Type 2 can control their blood glucose with healthy eatng and being active. 

But, your doctor may need to also prescribe oral medications or insulin to help you meet your target blood glucose levels. 

Type 2 usually gets worse over time - even if you don't need medications at first, you may need to later on.

High Risk Groups
Some groups have a higher risk for developing Type 2 diabetes than others. Type 2 diabetes is more common in African Americans, Latinos, Native Americans, and Asian Americans/Pacific Islanders, as well as the aged population.

Nevertheless, this condition does not prevent you from acquiring life insurance. Protect you loved ones. Don't be without life insurance. If you live in Illinois, call me at (773) 614-3201 to get a personally designed policy.