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Final Expense Life Insurance – Widows Age 50-85

Losing a spouse often means losing part of the household income, yet funeral bills still come fast, and widows are impacted by the lack of preparation by the one who didn’t prepare for their final expenses. The National Funeral Directors Association reports that the average funeral, including viewing and burial, now costs $8,755 (source: NFDA.org).…

Diabetic Nephropathy Final Expense Life Insurance

Diabetic nephropathy is kidney damage caused by long-term high blood sugar. Over time, diabetes can weaken the small blood vessels in the kidneys that filter waste, causing them to leak protein into the urine. Insurers see diabetic nephropathy as a red flag because it signals that diabetes is no longer controlled at the surface level.…

How To Pay For A Funeral Without Life Insurance

Losing someone you love is hard enough. Figuring out how to pay for their funeral without life insurance can turn heartbreak into a financial emergency. Funeral homes don’t wait to get paid, and most require full payment before the first service is even scheduled. That’s why families without coverage often find themselves swiping credit cards,…

IUL for Truckers - Indexed Universal Life Insurance

IULs For Truckers: Why You Should Drive On Past This Insurance Coverage

If you’re a trucker who’s been told by a life insurance agent that an “IUL” is the smartest way to protect your family and build retirement savings, don’t fall for this deception! Indexed Universal Life insurance sounds good on paper. Life insurance agents pitch it like a miracle policy that grows tax-free, protects your family,…

How Much Does A Cremation Cost?

Every state regulates cremation differently. Licensing, permits, and handling procedures fall under the state’s Department of Health or Board of Funeral Directors, and that determines how much a cremation will cost. The cremation itself is a method of final disposition that uses high heat to reduce the body to ashes. It’s not a single act…

Lincoln Heritage Funeral Advantage Review – Worst Insurance EVER

You’ve probably seen Lincoln Heritage ads promising to be the “number one final expense company in America.” They talk about quick approvals, simple coverage, and even toss in a Funeral Consumer Guardian Society membership to make it sound like a complete package. Here’s the problem. Lincoln Heritage charges some of the highest premiums in the…

Mortgage Protection Life Insurance

Mortgage protection life insurance is a type of coverage designed to pay off your mortgage if you die before the loan is repaid. On the surface, that sounds like a smart move. The problem is how these plans are sometimes structured and sold. These plans are marketed heavily through mailers, banks, and call centers that…

2025 State Regulated Life Insurance Program – BIG HOAX?

If you are age 50 or older, you have probably gotten a “state-regulated life insurance program” postcard or letter in the mail. It resembles an official government notice, giving it an official appearance. Maybe you saw a TV commercial that said “New State Regulated Life Insurance Program,” and in big letters it boasted of being…

VALife Insurance: A Costly Mistake For Veterans

Veterans Affairs Life Insurance, better known as VALife, is a government-run whole life insurance program offered through the U.S. Department of Veterans Affairs that all veterans should avoid if at all possible. It was launched to replace the older Service-Disabled Veterans Insurance (S-DVI) program, which stopped accepting new applications in December 2022. VALife was designed…