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Funeral Expense Report

Funeral Expenses on the Rise as Choices Narrow
With average funeral costs rising, people are better preparing so their families are not faced with the hardest decisions all alone, weighted with added stress.
Since the 1960s, NFDA has calculated the median cost of a funeral by totaling the costs of the items listed in the table below. The cost does not take into account cemetery, monument or marker costs, crematory fees (if cremation is selected), or cash-advance items such as flowers and obituaries.
The national median cost of a funeral for calendar year 2012 was $7,045. If a vault is included, something that is typically required by a cemetery, the median cost is $8,343.

2012 National
Median Price
Nondeclinable basic services fee 1,975.00
Removal/transfer of remains to funeral home 285.00
Embalming 695.00
Other Preparation of the body 225.00
Use of facilities/staff for VIEWING 400.00
Use of facilities/staff for FUNERAL CEREMONY 495.00
Hearse 295.00
Service car/van 130.00
Basic memorial printed package 150.00
SUBTOTAL w/out Casket $4,650.00
Metal Casket
(Avg. charge for most frequently purchased item)
TOTAL w/Casket $7,045.00
(Avg. charge for most frequently purchased item)
TOTAL w/Vault $8,343.00
Source: NFDA—Nation Funeral Directors Association

Cremations are on the rise. By the end of 2015, the U.S. cremation rate is projected to be 48.2 percent, up slightly from 45.8 percent for burials. NFDA estimates a whopping 70.6 percent of the population will choose cremation by 2030.
One major reason for this progressive increase is whether one can afford the traditional burial. Final Expense Insurance can help you prepare for this unexpected event with the strong assurance that your wishes, whether cremation or traditional burial, can be paid for without added stress to your loved ones. Whatever proceeds that remain after payment of these expenses are for your loved ones to keep.
We are dedicated to helping you plan a legacy that is all it can be; providing your family comfort and lasting value. Don’t put it off until tomorrow, contact us today.
Call: 931-451-7884
Fax: 931-933-7573
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March 2017 Monthly Newsletter

How do you say, “I Love You?” One Last Time?

Beginnings and endings create the most indelible impressions. What comes to mind is famous a quote by Former Prime Minister of Great Britain Margaret Thatcher, “It is all in the hellos and the goodbyes”. Most of our close friends and family will remember both our date-of-birth and our date-of-death. Considering the impact our last goodbye will have on our loved ones for years to come the importance of this event truly cannot be overestimated, don’t you agree? It is important to preserve our precious memories for the generations that will follow us; especially the memory of the celebration of our lives that is contained in the hearts and minds of family and friends.

What better way to say, “I Love You” than to prepare for a time when your family will need you the most. The undeniable truth is you will not be there at that crushing time to comfort your family or to guide them in person. You can however lift the burden and lessen the pain for them by planning in advance. Your family has been accustomed to asking you questions and seeking your advice and this will be your last opportunity to provide it and may also be the time that they will need it the most.

I now humbly suggest one way that you can say, “I love you” to your family: Create an Action Plan Now.

Your Plan-of-Action will include many actionable items: Where will your service be held? Will it be at a funeral home or perhaps a local church or community hall? Who will officiate at your memorial service? Do you have a backup for your first choice? Have you had a will prepared? How about a living trust for your life insurance proceeds? Please be at ease, you do not have to have all the answers. Did you know that guidance and support with all the above and more can be included in a plan formulated by you along with your trusted advisor? Did you know that you can do this well in advance of your death? Do you think your family would appreciate such a plan? If we don’t start planning for it now, when will we plan for it? When will you contact your trusted advisor to get started on this plan?


All Final Expense Professionals’ friends are eligible for a free membership in Legacy Safeguard. This is a valuable service that includes Legacy Planning, Estate Planning Support, End of Life Planning and Assistance, Support for Survivors and much more. (Please review our video by clicking below)

We are dedicated to helping you plan a legacy that is all it can be; providing your family peace and comfort with lasting value. Contact us today and a trusted advisor can assist you with all your final expense insurance needs, 931-451-7884 -or- Click Here to Send Us an eMail.

Happy Planning,


What is Final Expense?

A final expense life insurance policy provides the means to pay for the cost of a funeral, burial, and other expenses considered to be one’s “final expenses.” You might know these policies as “burial” or “funeral” insurance. The typical face amount of a final expense policy is between $5,000 and $50,000 per policy.

How Does Final Expense Work?

A final expense insurance policy is like most other typical life insurance policies. A premium is determined based on the desired face amount and other factors gathered during the application process. The policy owner designates a beneficiary or beneficiaries to receive the benefit proceeds.

As with traditional life insurance policies, a final expense policy can be either term or permanent. A term policy usually provides coverage for 10 to 15 years, sometimes 20 years at which time it expires. If the insured passes away before the term expires the beneficiary receives the proceeds.

On the other hand, a permanent policy is a whole life policy where a cash value can accumulate over time on a tax deferred basis. A permanent policy will never expire as long as the premiums are paid. We provide our clients with whole life policies providing greater value than term policies.

With a final expense policy you will usually pay lower premiums than with other traditional life insurance policies, medical issues are considered less during the application process, and you can pay the premium through easy monthly installments.

Do I Qualify?

A final expense life insurance policy application will ask some questions regarding your health and medical status, but you will not be required to take a medical exam in order to apply for coverage.


Why Purchase Final Expense?

Having a final expense insurance policy enables you to complete your own burial plans. Even so, the best reason is the peace of mind you have by knowing in the event of your death your loved ones will be able to carry on without you; settling your financial affairs and still have funds left over to keep their current lifestyle without future hardships and financial challenges.


January 2017 Monthly Newsletter

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Happy New Year from the Final Expense Professionals!

The New Year is a time to revisit goals and contemplate the legacy we will leave to our loved ones. Therefore, it is important to review your final instructions to loved ones and your final expense insurance coverage at least once each year.

Final expense insurance by itself requires our regular attention on many counts. For example, when was the last time you checked your beneficiary? Do you have more than one beneficiary? If so, what percentage of your final expense proceeds goes to each one? Is your beneficiary deceased? Do you need to change your beneficiary? Does your coverage provide a living benefit? What settlement options have you selected? Do you have someone to help you with these matters that you can trust?

These are all important questions that can require attention at any time due to life’s circumstances. We review beneficiaries and more with our clients at the annual review. We make what can be a daunting task easy because we are there to assist and guide.

We provide all of our clients with an annual review of their coverage. This includes a Financial Needs Analysis. The right amount of Final Expense insurance lifts the financial burden placed on your family at the time of your death. Final expense life insurance provides funding for the many end-of life expenses that will be required of them at the time of your passing.

We are dedicated to helping you plan a legacy that is all it can be; providing your family peace and comfort with lasting value. Contact us today and a trusted advisor can assist you with all your final expense insurance needs, 931-451-7884 -or- Click Here to Send Us an eMail.

Happy Planning,


Our Carriers

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Our Carriers

Transamerica Mutual of Omaha Settlers Insurance