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Andre Blakely and Associates Insurance Services and Retirement income Specialist

We are dedicated to serving our clients and providing insurance and retirement income solutions for your future!
Insurance services that will keep your family secure and plan for your retirement, we can help you look at new options for your current coverage and also for your golden years with insurance services that meet all of your  retirement income needs
Call our office for more information.  For all new clients we are offering a special offer for United American as a bonus.

 Funeral Trust and Final Expense Insurance 

Most of us don't like to contemplate the need to prepare for our funeral and burial, but covering these services is an important part of personal estate planning. Final expense insurance gives your loved ones the resources they need to acknowledge your role in their lives. Along with writing a will and preparing an advance directive, you must decide how your final expenses will be paid for. Final expense insurance offers an affordable way to provide for these costs, so that family and friends can celebrate your life without financial obligations.

While a traditional senior life insurance policy can provide funeral and burial coverage, final expense insurance policies have a lower face value than standard life insurance plans. You can purchase a final expense insurance policy with a coverage limit of several thousand dollars, enough to pay for a basic funeral service, casket, burial and cemetery plot. Term or whole life coverage generally begins at $10,000, an amount that may exceed your needs. Final expense insurance gives you just the right amount of coverage to arrange the funeral that you want.

Estimating Final Costs

Planning your last expenses requires a careful consideration of all your final needs. Consider how you want to be remembered, where your final resting place should be, whether you wish to be buried or cremated and what type of casket or urn you prefer. Talk with a licensed, reliable funeral director in your community about the cost of the services you require. A funeral director will give you a list of the services and products that it provides. The value of your insurance policy should cover the expense of the package you choose, plus any additional costs.

The most basic, economical option is generally an immediate burial plan. An immediate plan may a modest service at the graveside and a simple casket. The expense of a viewing is not included in most immediate burial policies. The costs of the plot, a headstone and flowers must be paid for separately and should be included in the estimate you give your insurance provider. An immediate plan may be purchased with either burial or cremation.

A traditional full service option, including a viewing, a hearse, a formal ceremony and entombment and cremation is more costly than an immediate or direct package. When you consider the costs of a package, you must take every extra expense into account in order to arrive at an accurate estimate of your financial needs. Your final expense insurance benefits can include the costs of preparatory tasks like washing, dressing and embalming. A procession, limousines, flowers and a wake can also be included.

Although most mortuaries offer packages with a pre-determined set of services and products, you have the alternative to choose only the options that you want. The overall expense of the ceremony, casket, entombment, plot and other options will represent the value of your final expense insurance policy. When you're buying insurance, it's important to have an accurate estimate of the amount of coverage you need to avoid leaving your loved ones with these financial responsibilities.

Selecting a Plan

Final expense insurance is similar to life insurance, in that a policy may be issued on a term or whole life basis. Term life policies provide financial protection for a set period of time, often up to the age of 80. At that time, if no claim has been filed and the policyholder is still alive, the policy will expire. Whole life policies cover you for your entire lifetime once you've signed your contract, no matter when your death occurs. Age limits for purchasing a final expense policy may vary. Some insurers sell policies to qualified applicants up until the age of 80.

Securing final expense coverage is relatively easy. You can apply for a simplified issue plan, which requires that you complete a basic medical questionnaire and meet specific qualifications, or for a guaranteed issue plan, which requires no questionnaire or medical exam and guarantees acceptance of your application. If you have a serious health condition, you may be required to purchase a policy with a graded death benefit, which provides coverage after the first few years of your participation.

Medicare Supplements

All Medicare Supplements  in California have been standardized by the federal government since 1992.

Insurance companies can only sell you a “standardized” Medigap policy. Each type of Medigap policy offers the same basic benefits, no matter which insurance company sells it. Usually the only difference between Medigap policies sold by different insurance companies is the cost.

The most popular Medicare Supplement is Plan F. Every Plan F is identical but the premium will vary depending on company. Some companies will offer up to a $20 discount for people turning 65. The lowest priced plan in Los Angeles may be one of the higher priced elsewhere.

Don’t just settle for Plan F. Other plans may be more cost effective. We specializes in Medicare to show you all the options.

It’s also important to note that every year beginning with your birthday and ending 30 days later, if you are a Californian with a Medicare Supplement you can change your plan on a guaranteed basis with any other carrier offering a standard plan. You can save a great deal of money by taking advantage of this benefit!


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