USA Life Insurance Services

If you or a loved one were to pass away unexpectedly, would your family be equipped to cover the funeral costs? No one likes to think about their own death or the death of someone they love. It’s a reality that comes for all of us eventually, and no one is ever truly prepared. That’s precisely why having  funeral cover is so important. When the time comes, you don’t want your family to be burdened with managing funeral costs on top of everything else. Getting insured now can grant you peace of mind to last a lifetime. But what should you have in mind when you compare funeral cover plans? In this article, we’ll tell you exactly what to consider when choosing final expense insurance. Keep reading for all you need to know. 1. Should You Get Final Expense Insurance or Pre-Need Insurance? One of the first questions you’ll need to answer is whether you should get final expense insurance or a pre-need plan. A pre-need plan is an insurance plan provided by a fun...

Far too many Americans are putting off end-of-life planning. In fact, roughly 2 out of 3 Americans do not have an estate plan. These individuals do not have a living will to guide loved ones on their last wishes. Naturally, it is uncomfortable for people to discuss and plan for their own death. Burial insurance is another end-of-life topic that is often overlooked. Due to high inflation, funeral costs are rising faster than usual. The average cost of a funeral is nearing $8,000 . AARP burial insurance is the best way to pay for this unexpected expense. Read on to learn what burial expenses are covered. Explore topics such as final expense insurance and whether it will be enough coverage for you. What Is Burial Insurance? Burial insurance is another term used for final expense insurance. It provides coverage for end-of-life expenses, including a funeral, burial plot, coffin, and even medical debt. There are many benefits to burial insurance. For starters, you do not need to take...

A study done in 2015 showed that 82% of adults over 40 say a funeral service helps pay tribute to their deceased loved ones. Death isn’t something pleasant to think about, but there’s the very real reality of losing your family members and friends. So before they pass away, you should be prepared to plan a wonderful funeral service for them. That way, their memory will live on in everyone’s hearts.  Keep reading to see how you can plan a sentimental and heartfelt funeral service for your loved one. Outline the Service When planning a funeral service, knowing how the day will go will be a big help to everyone involved. If possible, appoint someone as the master of ceremonies so the burden isn’t all on your shoulders. It’s really up to you how you want to remember your loved one, but some people like to open the funeral service with a poem or reading. Then, they name the family members and their relation to the deceased. You can then show a remembrance video and have close fam...

As of 2022, over 100 million adults in the United States have no life insurance to help their next of kin in the case the worst happens. Although, for some, it can be very hard to get this because of their circumstances. If you are one of these people, how can you have the assurance of receiving life insurance without the scrutiny they would otherwise receive? This is where guaranteed issue life insurance comes in handy. By picking it up, you can get around many of the barriers that would otherwise appear in your struggles. So, read on for more information. What is Guaranteed Life Insurance? “Guaranteed” life insurance is a whole life insurance policy. This means it will remain for the insured individual’s entire life. This is, of course, dependent on the payments for the policy continuing to the end of their life. Although, as other insurances might turn you down later, this is a weight off for many people. The Insurer Cannot Turn You Down Another unique thing about guaranteed...

The average funeral in the United States costs over $7,800 . One of the best ways to deal with the cost of a burial is to have funeral insurance. Funeral insurance can help cover all, or some, of the costs associated with funerals. It is a type of life insurance, often for less than $20,000. Here are 4 of the benefits that come with funeral insurance: 1. Unexpected Expense Not all deaths happen when you expect. Some come from accidents or other unplanned reasons. This can put substantial financial pressure on a family. In a time of rising costs, the price of funerals will only go up. This means that if you start to plan for your funeral, you can expect it will cost more than you expect. No one wants to burden their family, but funeral expenses can be a heavy burden. Not every family can have thousands of dollars set aside. In some cases, unforeseen circumstances might make the situation financially ruinous. 2. Peace of Mind Knowing the funeral cost won’t be a problem can bring ...

In the United States, funerals are a $20 billion business .  Like everything else, the cost of funerals continues to increase. This may leave you wondering how much a funeral will cost you. The average funeral cost is determined by several factors, including the burial options.  Here is what you need to know about the average funeral cost today.  Average Cost  The average funeral costs vary from state to state. The median price sits between $7,000 and $10,000 . This price is for an average funeral with burial, including a coffin and viewing.  Several items go into a funeral and burial, such as: Coffin or urn Viewing length Flowers  Musicians  Gravesite preparation Grave liners  Headstones Each one of these items will cost money, and most of them cost over a thousand dollars.  Cremation vs. Burial You may hear that cremation is a cheaper option, as opposed to burial. In some states, that is true, but in others, it is not. In m...