Oops! Sorry!!


This site doesn't support Internet Explorer. Please use a modern browser like Chrome, Firefox or Edge.

Other Insurance

Other Insurance

Other Insurance

Other Insurance

Get help to Pay

According to the National Funeral Directors' Association, the national medium cost for a funeral with a burial and vault is close to $9,000.  The national median cost for a funeral with cremation is now over $6,000.

Final Expense Life Insurance

Final Expense is a type of life insurance that helps Seniors cover end-of-life bills, such as funeral expenses and healthcare. 

What happens if I don't have a final expense life insurance plan?

If you don't have a final expense life insurance plan in place for the one's that you care for the most, your loved ones will unfortunately be left with the responsibility of paying any remaining expenses. Funeral costs are expensive, and there are probably more costs than you were aware of. 

According to the National Funeral Directors Association, the national median cost for a funeral with a burial and vault is close to $9,000. The national median cost for a funeral with a cremation is now over $6,000. The benefit you receive from the government when you are on social security is just a small about of $255. 

These cost estimates do not include the cemetery plot of around $2,000, monument (up to $10,000) or grave marker ($1,000), or miscellaneous items like flowers ($200) or an obituary ($200). If we factor those costs in, the average cost for a funeral with a burial and vault can be more like $15,000. 

The funeral estimate obviously doesn't include other end-of-life costs, such as healthcare and legal expenses. Here is a list of items your loved ones might be responsible for immediately following death:

    • Credit card debt

    • Catering

    • End of life Healthcare

    • Funeral Home

    • Casket

    • Household expenses, such as utilities

    • Burial vault / grave liner

    • Hearse and service car

    • Removal and transfer of remains

    • Flower arrangements

    • Cemetary / burial plot

    • Letal expenses, such as probate

    • Outstanding mortgage / car loan

    • Travel and lodging for out-of-state family attending funeral

    • Grave Marker

    • Obituary

    • Cremation

    • Embalming and preparation

    What do these final expense plans cost?

    These plans are surprisingly affordable! Usually, at a minimum, you can get some type of coverage for over a dollar a day. It's important to make sure you have something in place, not for yourself, but for those you love. Feel free to call us to get a quote or book an appointment automatically by pressing clicking on one of these buttons above.

    What does Deductible mean?

    It means that you have to pay full price for the service until the deductible is met. Once the deductible is met, then you share the cost with the insurance plan with either a copay or coinsurance.

    What is a copay?

    Once you have satisfied the deductible, then you will share the cost with your insurance plan. When you share the cost using a fixed dollar amount, that is called a "copay". For instance, when you see your doctor, the receptionist will open up the glass window and ask for, say, $40. That is a fixed amount versus a percentage of your bill. 

    What is coinsurance?

    Coinsurance is a percentage of a bill you have to pay versus a fixed amount (copay).  So, for instance, for durable medical equipment like an oxygen tank, the doctor's office or supplier will ask you to pay 20% of the bill. 

    Our 3 Step Process

    Expert Consultation

    Our expertise is free of charge as we guide you through the options that suit you the best based on your circumstances.

    Discover & Strategy

    With a few simple questions, we can help determine where you are financially exposed or if the plan you have is the right fit for your situation.

    Facilitating the Process

    We pride ourselves in simplifying the process from start to finish. After enrollment into your plan, we are available to you anytime you need us.

    Our Approach

    Depending on where you live, we offer consultations by phone or in-person. We also offer video consultation if you prefer to have the best of both worlds. 

      Work With Us

      To Schedule A Call Fill This Form Our, And Our Associate Will Get In Touch With You Within 1 Business Day

    We do not offer every plan available in your area. Currently, we represent 14 organizations which offer 137 products in your area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.

    © 2020 Help You Insurance, Inc., All Rights Reserved.