How will your family pay for your funeral?
In 2018, the average cost for a funeral was $8,508. That cost does not include headstones, monument, or marker costs or charges such as floral arrangements and placing an obituary. And the costs continue to rise...
What happens if your family can't afford a funeral?
There is no charity or government organization that will pay off any debt you’ve accrued if you arrange a funeral that’s beyond your means.
Funeral homes are not required to let you pay for funeral costs in installments — and an increasing number are asking for payment in full up front.
When families do not have the money for a funeral, they simply cannot claim the loved one's body.
Is life insurance the answer.Life insurance can guarantee that your loved ones are provided with the money they need to give you a proper and dignified burial. Unlike savings accounts, which are so often stretched thin during hard times, life insurance provides a dedicated pot of money that your loved ones can use during this difficult time for anything they need. It's not limited to funeral arrangements.
Term insurance is the most affordable life insurance option. It provides a fixed death benefit for a fixed premium payment, over a fixed period of time. Your premium payments are guaranteed and remain level for the term you select: 5, 10, 15 20, 25 or 30 years.Level term life insurance can have a number of points written into them that are worth noting. First, some offer the option of converting the policy into a whole life or universal life insurance policy, which is a good option to have as you get older and might like to guarantee that your life insurance. Other policies guarantee you will be able to renew your level term insurance. Either way, it's also a good idea to check whether or not your policy has a cut-off age.
An accidental death occurs every four minutes ? it can happen anywhere, at anytime, to anyone. No matter what your age or circumstances, you could be a victim.In the US, the leading cause of death for people under age 44 is accidents.More than 1,500 people died from traffic related crashes last year ranking Georgia as the 4th highest for road deaths in the country.Troopers said they all involve some sort of factor from speeding to drunk driving and even distracted driving.You can receive up for $2,000 of Accidental Death insurance at no cost, just for listening to a brief presentation for Life Insurance by phone or online . To receive $2,000 of AD&D coverage at no cost or obligation, all you need to do is claim it!
What Is Cancer Insurance
Cancer can strike anyone at any time regardless of lifestyle, yet too many people lack the cancer insurance coverage they need to help pay the costs associated with the treatment it may require. If there is good news, the good news is that it's no longer an automatic death sentence.
But while you're likely to live, you're also likely to be broke without Cancer Insurance. Medical insurance helps reduce the hefty treatment costs, but most plans don't cover all the expenses related to treatment nor drugs. Based on the American Association for Critical Illness Insurance (AACII), every day roughly 4,000 American men and women are told they have cancer, And according to a Harvard University study published in The American Journal of Medicine in 2009, costly illnesses trigger about half of all personal bankruptcies.
Most of those who go bankrupt because of medical problems have health insurance. many people are surprised to learn that their existing medical insurance doesn't cover the full financial costs associated with cancer. Cancer survival rates have dramatically increased. Not because of new drugs and modern medical discoveries, but because people are smoking less, Divine intervention and people are being more educated on early detection.
That's the good news. The bad news is: all of the good news, all of the hope, is about to be thrown out of the window with the projected high rates of cancer-based upon the rates of obesity in the USA. In addition to the financial burden of heart disease, cancer from obesity will have to be factored in also.
The high incidence of cancer means that you or someone in your family may develop cancer at some point. And while your health insurance policy may cover a portion of physician, hospital, cancer therapy or prescription drug bills, it probably doesn’t cover them in full.
And your insurance isn’t likely to touch the other major costs of cancer, including loss of income, transportation, childcare, housekeeping and home nursing expenses. If you or another family member is unable to fulfill his or her usual responsibilities while ill, your family and your family’s finances could suffer greatly.
A cancer diagnosis can change your life. But with Cancer Insurance
you can concentrate on your treatment and healing. Benefit payments are paid directly to you to help with out-of-pocket expenses such as co-pays, mortgage and car payments, meals, lodging and travel expenses.
• Benefit payments are made directly to you.
• Optional Hospital Intensive Care Riders.
• Individual, individual and spouse, individual and children, and family coverage available.
Johnson and Associates Financial Services Is a locally owned independent insurance agency that serves the Augusta, Ga. And Hephzibah area. We have provided quality insurance services since 1986.We are a family service insurance agency that offers, Life Insurance, Mortgage and Final Expense Insurance. We have expanded our services to include: Legal services and Identity theft coverage.
We offer top-tier employee benefits plans and packages to attract & retain valuable talent within your workforce. Our employee benefits services include Identity Theft services, Legal services plans, Life Insurance, Accidental death insurance, as well as Cancer Insurance Dental and Vision.
.According to the 2019 Identity Fraud Study from Javelin Strategy & Research, the number of consumers who were victims of identity fraud fell to 14.4 million in 2018, down from a record high of 16.7 million in 2017. The odds of losing your car in an accident is 1 in 160. For another perspective, the chances of dying prematurely are just 1 in 117, yet most adults own a life insurance policy. What you may not know is that the likelihood of being a victim of Identity Theft is far greater than losing your car in an accident.
You buy all forms of insurance to transfer risks that you could not otherwise undertake financially on your own. If you don’t have the money to replace your car, auto insurance will replace it. High medical expenses can be much more than you can afford, so your health insurance will keep you whole. In the case of identity theft, the odds are against you. You are more likely to fall victim to identity theft than your house is to catch fire. Why take the risk? You can have the same peace of mind with your identity protection by allowing Identity Theft and Restoration Center, USA to take care of you. We are affiliated with an organization that has actively studied the Identity Theft epidemic for over 14 years. We specialize in protecting Doctors, Nurses, and other health professionals.
If you are a victim of ID theft, you will be in charge of all the phone calls and paperwork, notarized affidavits, correspondence, etc. This is what the FTC means when it talks about up to 600 hours to correct the problem at the cost of $1400 per incident.
Restoration should be the “Heart” of any identity theft plan. Our plan offers restoration; a service that assigns an agent to do the majority of the contact and investigative work for you. Restoration will require you to sign a limited power of attorney because you are giving an agent the right to act on your behalf.
Full-Service Restoration with Licensed Private Investigators Only our plan gives you direct access to Licensed Private Investigators to help resolve identity theft and related issues. Unlimited Service Guarantee If identity theft happens, we’ll do whatever it takes, for as long as it takes to restore your identity. $1 Million Identity Fraud Protection (3 Bureau Only) This covers certain costs incurred as a result of a covered identity theft event – such as lost wages, travel expenses, child and eldercare
If customers can’t find it, it doesn’t exist. Clearly list and describe the services you offer. Also, be sure to showcase a premium service.
Running a holiday sale or weekly special? Definitely promote it here to get customers excited about getting a sweet deal.