1. Final Expense
Peace of Mind

2. Demonstrate what the real costs are today associated with final expense planning.
Relieve your loved ones of emotional and financial burdens.
Provide you with peace of mind.
Determine the most logical, reasonable and cost effective solution for your situation.
Implement the solution you have chosen.
Today’s Objective
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3. This is a hard question, but… if you had passed away yesterday, what would your loved ones be doing today?
Consider This…
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4. Your loved ones would be faced with some of the most difficult decisions of their lives.
They would also be faced with the harsh reality of just how expensive it is to take care of funeral and other final arrangements.
Consider This…
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5. Perhaps the greatest gift we can give to our loved ones is to save them the grief, anxiety, and expense of our final arrangements.
Consider This…
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6. What are the Options?
It comes as a surprise to many Americans that Social Security provides a lump sum benefit of only $255, and only to those who qualify.
Setting aside money in savings to pay for final expenses does not guarantee protection for your family because a nursing home stay could wipe-out your savings.

7. Current Costs
According to the National Funeral Directors Association the average cost for funeral merchandise and services is over $7,100.
Related burial costs such as a cemetery lot, burial vault, headstone, grave opening and closing are all additional expenses.
These additional expenses can easily put the total cost at over $11,000 and the cost in the future will be even more.

8. The funeral expenses, there are often additional costs.
I will read these to you, and when I am finished, you let me know which of these concern you the most, okay?
In addition to…

9. Which of these concern you the most?
Medical bills, medications, and home health care not covered by insurance.
Transportation costs and lost wages for children to attend services.
Income continuance due to social security and pension reductions.
Legal/Probate fees. Attorney, filing and court fees.
Unpaid household bills. Mortgage, utility, department store charge accounts and credit card balances.
Frozen checking account.
Forwarding remains to another funeral home.
Unpaid federal, state, and local income taxes and estate taxes.
Which of these concern you the most?
How come?
Additional Costs

10. Experts agree, when planning for final expenses, life insurance is the very best way to make sure your loved ones will not have to worry about how to pay for your funeral and burial expenses in their time of grief. Depending upon your decision, your family’s final remembrance of you will either be remorseful or resentful. Many Americans have found that pre-funding final expenses with life insurance is a simple and affordable solution.
What are the options?

11. However, before we go any further, there is something I need to let you know. Even if you wanted to get a policy today, you can’t get one. All we can do today is the following…
What are the options?

12. Pre-funding Process | Today
Why not take this backburner issue
and move it to the front burner?
Application
Check
Lock in Age
Lock in Health
This gives you 3 to 4 weeks to think about it.
That sounds like a pretty fair process, doesn’t it?
Call Underwriting NO
YES
Look for a different carrier
3 to 4
weeks
We will return your premium
I bring your policy to you OK
Change NO
20 Day
Free Look
Period

13. Health History Let’s see if I can find a company that will cover you.
Do you use any tobacco products?
How tall are you?
About how much do you weigh?
What prescription medications do you take?
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14. Coverage Options There are two ways to calculate this.
Some people tell me that they have a certain amount of insurance coverage they are interested in, like $15,000 or $20,000.
Other people tell me they have a certain budget amount they can spend each month, like $40 or $50 per month.
Which situation are you in? A budget amount or an insurance coverage amount?
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15. Wrap it up.
QUESTIONS