Insurance

Ever heard of a Smart Life Insurance Policy? Now there is one.
In my opinion
Regardless of Age, Health or Wealth, Pre-Planning Funeral Arrangements with your local Mortuary is the smartest thing
you can do with your time and money. Now More Than Ever Before.

These days, everyone is looking for ways to save money on the cost of benefits that protect our families.
Pre-Planning Funeral, Cemetery or Cremation arrangements is one of the best way to do this.

Many folks purchase Traditional Life Insurance Policies only for the purpose of using it to cover funeral costs.
Then they discover:
That a Certified Death Certificate is required for payment and the Insurance Company will not begin the funding process until they receive it.
That the Death Certificate will not be available for two weeks or more.
The Funeral, Cemetery or Cremation plan they want costs a lot more now than it did the day they took out the Life Insurance Policy.
Your Funeral Home and Cemetery must be paid 48 hours before the service.

Do your homework. Call your Life Insurance Company or employer's benefits department and inquire about their requirement for payout.
If they require a Death Certificate, then THE FUNDS WILL NOT BE AVAILABLE IN TIME FOR THE FUNERAL OR CREMATION!!!

This creates the need for a "Third Party" company to make payment to the funeral home on your behalf.
That puts another middle-man with ever-increasing fees between you and the funeral home.

This makes Traditional Life Insurance a reimbursement plan for money you have to spend out of pocket.
Life Insurance is designed to send a lump sum of money to your family on your behalf after your death has been proven to your Life Insurance Company by way of a Certified Death Certificate.

So now the question is...
How long does it take to get a Certified Death Certificate? Usually 2 weeks. Sometimes much longer.
How long will it take for your Life Insurance Company to complete their funding process? That varies by company?
How long do you want to wait to have your Funeral?

Basically, you are buying cash.

A Life insurance policy that is not tied to a Goods and Services contract DOES NOT guarantee the cost of the goods and services.

When you pre-plan your arrangements (Cremation or Traditional Burial) with a Mortuary and Cemetery you are buying products and service that put your plan together the way you want.

There are usually 6 line items on a simple cremation plan contract and 12 on a typical casketed burial plan.
Each line item should have a price associated with it.
These prices cannot change if they are on a Guaranteed Goods and Services Pre-Plan Contract.

Just like buying a car or furniture etc. on payments. The price for the product cannot change after you put the price on a contract.

If you buy life insurance instead of buying your funeral, you are allowing the price of your funeral to continue to rise and chasing the cost by buying more and more life insurance.

Now, think about it...
When do you pay off a Traditional (Term) Life Insurance Policy?
The answer is NEVER!
You will pay every month for the rest of your life if you want coverage. When the original Term is over (10, 20, 30 years later) the same coverage will cost more because you've gotten older and the risk to the insurance company is now higher.

What do you keep if you live through the entire term of the policy or chose to cancel the policy?
The answer is NOTHING - in most cases.

What prices at the Mortuary or Cemetery location are guaranteed if you don't establish a contract with them?
The answer is NONE OF THE PRICES ARE LOCKED IN until you establish a relationship through a Pre-Need Guaranteed Contract!

This is like Leasing your Funeral.
THERE IS A MUCH BETTER WAY !!!

DON'T LEASE YOUR FUNERAL. OWN IT!!!
Let’s talk about the type of Funeral Service you want – Burial or Cremation.
Let’s find out how much it costs at the best Dignity Memorial Location for you.
Let’s write your wishes on a Guaranteed Contract – locking in the price and offering manageable payments for a pre-designated term.
THEN, Insure the balance of the contract until the contract is paid off.
Effectively establishing a Paid-In-Full Account for the service of your choice.
When the contract is paid off there will be NO MORE PAYMENTS FOR YOUR FUNERAL SERVICE.

NOTE: ONLY MORTUARY CONTRACTS CAN ME Cemetery Products and Services cannot be

Here’s the best part…
MY MORTUARY LOCATIONS DO NOT REQUIRE A DEATH CERTIFICATE BEFORE PAYMENT OCCURS WHEN CONTRACTS ARE INSURED WITH MY INSURANCE COMPANY. PAYMENT IS IMMEDIATE AND SEAMLESS!

This is the best way to go. Period!

Every question you have about this material and the Pre-Planning process is important to me.
Feel free to contact me for a free, no obligation appointment.

Call or text

Patrick Martin – (909) 367-8018

Email - ROAHOW@aol.com

California Department of Insurance License #0G55742
All information on this site is based on personal experience and not to be associated with any person, product, company or business entity.
Every Mortuary and Cemetery is operated independently. Therefore, individual locations retain the right to operate as they see fit within the boundaries of Local, State and Federal laws and Company Guidelines.

Terms and Conditions apply to all statements made on this site. This site is intended for informational purposes only. No sale of products or services are to be made from or based on statements made from this site until an in-person appointment is made and performed.

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Welcome to Regardless of Age, Health or Wealth Final Arrangement Planning