Hi, I’m the Final Expense Guy, and I’m going to help you avoid buying the wrong policy.
But first, if you DON’T have 5 minutes to read this e-book right now, DO THESE TWO THINGS NOW.
#1 – SAVE THIS WEB PAGE IN YOUR BROWSER.
#2 – SAVE MY PHONE NUMBER AND CALL ME IF YOU HAVE ANY QUESTIONS – 888-862-9456.
Now, go to Chapter 1: WARNING About Life Insurance Companies & Agents
BOOK CHAPTERS (start with chapter 1)
Chapter 1: WARNING About Life Insurance Companies & Agents
Chapter 2: What is Burial Insurance – And What Isn’t It?
Chapter 3: First-Day Coverage vs. Two-Year Traps
Chapter 4: Why $9.95 per unit or $1 a Day is a Marketing Mirage
Chapter 5: The Truth About No Medical Exam Policies
Chapter 6: The Myth of “State-Regulated Programs”
Chapter 7: The Problem with Term Life Insurance
Chapter 8: Social Security & Burial Insurance: The Exploitation
Chapter 9: The Fine Print They Hope You Don’t Read
Chapter 10: Who Really Benefits – You or the Insurance Company?
Chapter 11: The Truth About Final Expense Agents
Chapter 12: Already Covered? You Could Be Paying Too Much
Chapter 13: What Happens When You Die?
Chapter 14: A Buyer’s Guide to Protecting Your Family – Without Getting Scammed
Chapter 15: Real Stories, Real Regret – and Redemption
Chapter 16: Prepaid Funeral Plans – A Safe Bet or a Death Trap?
Chapter 17: Final Words – Freed by Truth
Chapter 1: WARNING About Life Insurance Companies & Agents
I’m sure you’ve seen insurance companies and life insurance agents make misleading claims in their Television, Social Media, and postal service advertisements.
COMMON MISLEADING CLAIMS:
- “Guaranteed Acceptance” is a MANDATORY 2-YEAR WAIT policy that is sold at outrageous rates.
- “Instant Approval” – No Questions Asked!” will have a MANDATORY 2-YEAR WAIT policy.
- “Accepts All Health Conditions” will have a MANDATORY 2-YEAR WAITING period.
- “$9.95 Per Unit” is a MANDATORY 2-YEAR WAITING period policy with low coverage.
- “Pays Out In 24 Hours” is false, as it takes longer than 24 hours to get a death certificate.
- “Send In This Postcard For Free Information” will get you non-stop phone calls for months.
- “State Regulated” or “State Approved” is FAKE! The state doesn’t approve, issue, or pay claims.
- “Enrollment Ends Soon” is a ridiculous claim, as burial insurance can be purchased year-round.
- “Limited-Time Offer” is just a scare tactic because you can buy this insurance year-round.
- “$1 a Day” (or other “teaser” rates) is a classic Bait & Switch sales tactic…don’t get fooled.
- “$1 buys $100,000″ is term insurance where pricing goes up every 5 years – $1 is for 1st month.
- “Designed For People On Social Security” is a lie, as these plans are NOT based on income.
- “Covers You For Life” only applies if they sell you whole life insurance, not term life insurance.
- “New Programs Available” doesn’t mean you qualify or they’ll sell you that “New Program.”
- “Pre-Approved Coverage” doesn’t exist, as every plan requires you to qualify in some way.
- “Guaranteed To Pay Your Funeral Costs” only if you purchase adequate protection.
- “No Medical Exam” is nothing special, as all simplified issue plans have no medical exam.
- “Family Protection Plan” actually means only one person is legally covered by the policy.
- “We work with 30+ companies” means they work with a few good ones & lots of bad ones!
- “Tax Free Cash” is exaggerated. It’s tax-free, but companies send out checks, not stacks of cash.
All these MISLEADING phrases are used to trick you into giving out your name and phone number.
Your phone number can then be placed in an “auto-dialer” phone system to call you hundreds of times in the day and night. And it’s all legal because you “opted in” to a form to get their information.
But there is a better way to get affordable final expense life insurance, so keep reading!
If you’d like help right now, call Randy the Final Expense Guy now at 888-862-9456.
Chapter 2: What is Burial Insurance – And What Isn’t It?
The first rule of Final Expense Life Insurance is to purchase the correct type of insurance policy.
Burial insurance, often called Final Expense Insurance, Cremation Insurance, or Funeral Insurance, is a small WHOLE-LIFE insurance policy marketed primarily to people aged 40-85 years old.
Burial insurance is a product offered by private companies that provide a wide range of approval options and pricing. It also builds cash value over time. It’s not an investment; it’s a valuable benefit used to cover final expenses.
The idea is that when you pass away, the policy pays out enough to cover your funeral, burial, or cremation expenses. Most policies offer coverage ranging from $5,000 to $25,000. Some companies offer higher amounts with higher premiums.
TERM LIFE insurance is NOT ideal for burial, cremation, or final expenses.
You’ve likely seen ads from AARP, New York Life, Globe Life, or TruStage promising cheap term life insurance for seniors. These term life policies are referred to as “5-year renewable term” plans. That means the rate you start with only lasts for five years before the price increases again, and then does so in another five years.
Imagine you get a policy at age 60. You might start paying $40 a month. But by 65, it jumps to $65. By 70? Maybe $100. By the time you’re 75 or 80, you could be paying over $200/month for the same small amount of coverage…if you can afford it at all.
And when you stop paying, your term life premium won’t be refunded; your policy will be canceled and terminated.
Term life plans will also automatically cancel beyond age 80, no matter how long you’ve paid into them. That means if you outlive the policy, your policy automatically cancels when your family needs it most.
IULs (INDEXED UNIVERSAL LIFE) are total garbage policies when used for final expense needs. Any life insurance agent who proposes an IUL to you should be hung up on immediately.
Contact Randy the Final Expense Guy now at 888-862-9456 to discover the ideal coverage for your specific needs.
Chapter 3: First-Day Coverage vs. Two-Year Traps
For Final Expense Life Insurance, you always want to get 1st-day coverage, which gets you the lowest pricing.
FIRST-DAY COVERAGE, also called level benefit coverage, pays the full death benefit from the very FIRST DAY. This is the type of Final Expense Life Insurance you want to purchase because you’ll get the most coverage for the least amount of money.
Whole life 1st-day coverage plans are available to people with a wide range of medical problems with NO 2-year waiting period.
TWO-YEAR WAIT PLANS (called graded or guaranteed issue policies) delay full benefits until after the first two years (or 3 years with some even worse policies).
If a death occurs within the first two years due to a health or medical reason, your beneficiary will only receive a refund of premiums plus interest, not the full payout. These only pay out in the first two years if you die in an accidental death.
Unfortunately, 2-year wait policies are often sold to people who qualify for 1st-day coverage at lower rates. Some agents push them because they’re easy to get approved for, and they cost significantly more…so the agent gets paid more.
Whatever you do, don’t let an agent talk you into buying a 2-year waiting period policy if you qualify for 1st-day coverage!
2-YEAR WAIT COMPANY EXAMPLES:
- AAA Life Insurance Company
- Colonial Penn ($9.95 program)
- Corebridge
- Gerber Life
- Lincoln Heritage Graded
- Mutual Of Omaha (United Of Omaha)
- Senior Life Graded
Call Randy the Final Expense Guy directly at 888-862-9456 to see if you can get 1st-day coverage.
Chapter 4: Why $9.95 per unit or $1 a Day is a Marketing Mirage
There are some truly bad Final Expense Life Insurance Policies. Remember, if it sounds too good to be true, it probably is.
$9.95 PER UNIT
Colonial Penn built an empire on their famous “$9.95 per unit” offer (that comes with a 2-year waiting period), which sounds affordable – but the coverage is laughably low.
They also don’t tell you up front how much coverage you get for more than one unit, as it’s minimal coverage.
You are required to buy multiple units to get even close to a meaningful amount of insurance, and each unit adds more money that you have to pay.
For a 70-year-old male, $10,000 in coverage from Colonial Penn would be $149.25/month (15 units).
The Final Expense Guy can get that same 70-year-old male $10,000 in 1st-day coverage for $66.23/month. That’s a 55% savings!
For a 70-year-old female, $10,000 in coverage from Colonial Penn would be $99.50/month (15 units).
The Final Expense Guy can get that same 70-year-old male $10,000 in 1st-day coverage for $52.03/month. That’s a 48% savings!
For most people, the real cost of Colonial Penn’s insurance quickly balloons beyond what they expected, making this one of the worst possible plans you could ever buy for your final expense needs.
$1.00 A Day Insurance
“Coverage for just $1 a day!” If you’ve seen TV or social media ads for burial insurance, you’ve probably heard this tagline. It’s catchy, it’s memorable – and it’s garbage.
The truth is that $1 a day (approximately $30 a month) only provides limited coverage for most individuals – and only if you’re in excellent health, female, and on the younger side of the burial insurance target market (think early to late 40s in age).
For everyone else, the actual cost can be double or even triple that “$1 a day” number.
Let’s break down a real-world example:
- A 45-year-old non-smoking female may receive $6,000–$8,000 of level benefit coverage for $30/month.
- A 45-year-old male smoker might receive only $2,000–$3,000 for the same $30.
These “$1 a day” ads use a “Teaser Rate” to obtain your name and phone number, allowing an insurance company or agent to contact you day and night.
Contact Randy the Final Expense Guy directly at 888-862-9456 to receive the affordable rates for which you qualify.
Chapter 5: The Truth About No Medical Exam Policies
Beware if a life insurance agent or company tries to twist a “normal” benefit into a “special” benefit.
“No medical exam required!” is one of the most common advertising hooks in burial insurance ads, and for good reason…nobody wants to get poked, prodded, or medically tested just to get final expense life insurance.
But here’s the thing: No medical exam doesn’t mean no underwriting.
Insurance companies have gotten smarter and now rely on background data rather than traditional medical exams to determine your eligibility. That means they’re checking your prescription history, reviewing your past hospital visits, and pulling your MIB (Medical Information Bureau) file.
It’s all happening behind the scenes…and most applicants don’t realize it.
This type of underwriting is known as simplified issue. It avoids lab work but still screens applicants based on their health. Although you may not need to visit a clinic, you’re still being evaluated.
The FEX Guy can often get you 1st day coverage or benefits even if you’ve been diagnosed with:
- COPD or lung issues
- Diabetes with or without insulin
- Diabetic complications
- Cancer history
- Heart Issues – AFIB, HBP, etc.
- Kidney or Liver issues
- Mood disorders – bipolar, depression, etc
- See a complete list here>>> A to Z Health Conditions Accepted
Guaranteed issue policies ask no health questions, don’t check your background, and approve everyone who qualifies – but at a cost. As discussed in the last chapter, they carry a MANDATORY 2-YEAR waiting period for non-accidental death and cost significantly more per thousand dollars of coverage.
Call Randy the Final Expense Guy directly at 888-862-9456 to get you an affordable no-exam policy.
Chapter 6: The Myth of “State-Regulated Programs”
The phrase “State Regulated Programs” — or anything that sounds like it — is your first red flag telling you to be cautious.
One of the most common deceptive marketing tactics is the claim that there’s a new “State-Regulated Burial Insurance Program” available. They say this to make you think the government or state endorses their final expense insurance policies.
They often use patriotic red, white, and blue imagery to fool you into thinking that this is a benefit associated with Social Security.
However, it’s all a lie, because this insurance is only sold by private life insurance companies.
Insurance is indeed regulated at the state level, but this means that companies must adhere to state guidelines on licensing, policy terms, and financial reserves.
Let’s be 100% clear: the government NEVER offers, endorses, or pays claims for these life insurance policies. Deceptive ads twist regulatory language to appear “official” when they are just trying to mislead you to get your name and telephone information.
When you see claims like “New benefit for residents receiving Social Security,” or “State-regulated program just released,” or “state-approved,” it’s not new, it’s not state-sponsored, and it’s not exclusive… It’s just a scam.
NEVER work with companies that advertise with this “State Regulated” or similar language that tries to deceive you.
Call Randy the Final Expense Guy directly at 888-862-9456 for legitimate and trusted life insurance coverage.
Chapter 7: The Problem with Term Life Insurance
Term Life Insurance means Terminating Life Insurance or Temporary Life Insurance, and it should be avoided for final expense life insurance.
If you’ve seen ads from AARP, New York Life, Globe Life, or TruStage promising cheap term life insurance for seniors, you’re not alone.
These companies spend millions each year advertising coverage that appears to be affordable…But almost always ends up being a terrible deal if you live long enough to need it.
That’s because it gets more expensive over time…like REAL FAST!
Most of these term life policies are referred to as “5-year renewable term” plans. That means the initial rate only lasts for five years. After that? The price goes up FAST!
Let’s say you get a policy at age 60. You might start paying $40 a month. But by 65, it jumps to $65. By 70? Maybe $100. By the time you’re 75 or 80, you could be paying over $200/month for the same small amount of coverage — if you can afford it at all.
And if you stop paying, even after years of making payments faithfully, your policy will end without warning. You don’t get a refund. You don’t get a reduced benefit. You get nothing.
The other big downside to these term life plans is that they automatically cancel after age 80 (varies by company), no matter how long you’ve paid into them. AARP (underwritten by New York Life), New York Life, Globe Life, and TruStage all automatically cancel after age 80 (varies by company), no matter how long you’ve paid into them.
That means if you outlive the policy, it expires exactly when your family may need it most.
So ask yourself: What’s the point of paying into a life insurance policy for 15 or 20 years… only for it to vanish right when you’re nearing the finish line?
Call Randy the Final Expense Guy directly at 888-862-9456 to get a whole life insurance policy tailored to your budget.
Chapter 8: Social Security & Burial Insurance: The Exploitation
Social Security has never offered any significant protection for burial, cremation, or final expenses. The U.S. Government is trillions of dollars in debt, and they are not concerned about your final expense needs.
Many burial insurance advertisements specifically target seniors who receive Social Security or disability income. They imply, or outright state, that you qualify for a special benefit tied to government programs.
But the truth is simple: there is no such thing as a government-backed burial insurance plan tied to Social Security.
Phrases like “new benefit for those on Social Security” or “created for people receiving SSI or SSDI” are designed to create a sense of urgency.
Agents may claim a policy is “pre-approved” or “exclusive” because of your Social Security status, when in reality, it’s the same policy offered to any U.S. citizen who can pay the premium.
Sadly, people end up buying overpriced, underperforming policies because they’re made to believe it’s their only option.
They might get a $7,000 policy with a 2-year waiting period for $60/month – when they could’ve qualified for $10,000 of first-day coverage for a massively lower price.
Call Randy the Final Expense Guy directly at 888-862-9456 to get a policy that truly fits your budget.
Chapter 9: The Fine Print They Hope You Don’t Read
Failing to understand key clauses can leave your family confused, frustrated, and under-protected.
One of the most common is the contestability period, typically the first two years of the policy. If you pass away during this window, the insurance company CAN investigate the claim.
If they discover that you provided incorrect or incomplete information on your application – even unintentionally – they can deny the payout.
Then there’s the suicide clause, which is standard in most life insurance policies. If the insured dies by suicide within the first two years, the insurer may not pay the death benefit; they will often only return the premiums paid so far.
Call Randy the Final Expense Guy directly at 888-862-9456 to get a policy with the guarantees you need!
Chapter 10: Who Really Benefits – You or the Insurance Company?
With the right life insurance agent, you will “win” by them getting you the most amount of whole life coverage for the least amount of money.
Here’s the sad truth: some independent agents, and almost all captive agents, won’t show you your most affordable options with the lowest-priced carrier; they’ll only show you the ones that pay them the most commission.
Now, ethical brokers (like the Final Expense Guy) will shop across the best-rated companies to find you the lowest rates offered.
But greedy agents? They’ll steer you toward overpriced companies…not because these companies are better for you…but because it’s better for the agent’s wallet.
Worse, many of those expensive policies come loaded with unnecessary fees, such as poor health penalties, excessive riders, and bloated premiums that prevent you from getting the best policy and price.
The sad part? Most consumers are unaware that they are overpaying for their life insurance.
Consumers often trust the first agent who sounds friendly, not realizing they could’ve paid up to $20–$80 less per month with a trusted, independent broker like the Final Expense Guy who puts the client first.
Call Randy the Final Expense Guy directly at 888-862-9456 to get a policy that benefits you the most… not one that benefits the insurance company the most.
Chapter 11: The Truth About Final Expense Agents
Not all insurance agents are created equal, and not all insurance agents are ethical.
Many agents are ethical, experienced professionals who educate clients, shop for the best value, and provide real long-term service (like at fexguy.com).
Others are new to the industry, poorly trained, and merely reading a script, and they care more about closing a sale than protecting your legacy.
Some agents are independent brokers, meaning they can shop from a few of the best companies to find the best rate for your health and age. This describes FEXGUY.COM, and it’s ideal for you as a consumer.
Others are captive agents, which means they can only sell ONE company’s policies…even if another company would offer you better coverage for 40-50% less money.
Then there are call center agents and lead vendors. Some of these are licensed, some are not. Many use scripts and are under extreme pressure to sell quickly.
They may be incentivized not to explain any print, waiting periods, or the real cost of your policy over time. (these are often the people behind those “state benefit” postcards and online lead forms.)
A good agent will take the time to understand your needs, verify your prescriptions and health history, and explain your options, not just one product.
A good agent will answer your questions without dodging, and they’ll tell you the truth…even if it means you don’t buy anything from them.
Call the Final Expense Guy directly at 888-862-9456 to speak with an independent agent who works on your behalf… NOT the insurance company!
Chapter 12: Already Covered? You Could Be Paying Too Much
Just because you have a policy doesn’t mean it’s the best one. There’s a high chance you’re either overpaying or under-covered – or both.
Dozens of carriers sell final expense insurance, and their prices for the exact same coverage can vary by 40% to 100% (that’s not an exaggeration).
Some companies charge $72/month for $10,000 in coverage, while others offer the same coverage for $40 or less. It all depends on age, gender, and health. If you haven’t compared prices in the last few years, there’s a good chance you could be paying more than necessary.
Many people are surprised to learn that they can keep their monthly payment the same but get thousands more in coverage by switching to a different company. Other people can reduce their monthly cost significantly – sometimes by $20 to $50 a month – while maintaining the same death benefit.
If your current policy has a two-year waiting period (a guaranteed issue plan) you should consider re-shopping. If you’ve had that policy for more than two years, you’re now likely eligible for a first-day coverage plan, especially if your health has improved or stabilized.
Here’s the catch: insurance companies don’t automatically upgrade you or adjust your rates when you qualify for something better. You have to take the initiative.
Steps to Take if You Already Have a Policy:
- Review your policy paperwork – What’s your monthly premium? What’s your benefit? Does it have 1st-day coverage or a waiting period?
- Ask yourself if your health has improved or deteriorated. If your health was poor when you applied but has since improved, you may qualify for lower-priced coverage.
- Speak to an independent agent – Request quotes from at least three to five top-rated carriers.
- Don’t cancel your current policy until your new one is approved and active. This ensures you’re never uninsured.
Beware of policies that include non-guaranteed features like “bonus riders,” “accidental death” add-ons, or “premium return clauses,” as they often come with extra cost. When shopping, strip it down to what matters: first-day coverage from a strong insurer.
The Bottom Line: If you already have a policy, don’t assume it’s the best one you can ever get. Rates vary wildly and do change over time. Be aware that if your health has improved over time, you may be eligible for a policy that is significantly better than what you have now.
Call Randy the Final Expense Guy directly at 888-862-9456 to see if you can’t qualify for lower rates, or a better insurance company.
Chapter 13: What Happens When You Die?
The moment you die, your loved ones will need to notify the insurance company and the funeral home.
If no one knows where your policy is…or which company it’s with…the benefit may go unclaimed for months or even years.
Your beneficiary (usually a spouse or child) will be asked to provide:
- A copy of the death certificate
- A claim form
- A copy of the policy or application
- Proof of identity
The insurer will then review the claim. If it’s within the contestability period (usually the first two years), they may investigate to ensure there was no fraud or misrepresentation on the application. This can sometimes delay the payment of the death benefit.
If the policy is valid and uncontested, the check usually arrives within 7 to 30 days. But delays are common if your paperwork is incomplete or the insurer has trouble contacting the beneficiary.
Source: National Funeral Directors Association (NFDA), 2023 General Price List Survey: https://nfda.org
Tips to protect your family:
- Tell your loved ones where to find your policy paperwork
- Write down your agent’s name and number (www.fexguy.com at 888-862-9456 is recommended)
- Store a copy of your policy in a fireproof safe or secure digital vault
- Include funeral preferences or instructions if you have them
A little planning now will save your family significant stress later!
Call Randy the Final Expense Guy directly at 888-862-9456 to get a free copy of our free Funeral and Estate Planning Guide.
Chapter 14: A Buyer’s Guide to Protecting Your Family – Without Getting Scammed
With the rise in misleading ads and aggressive call center agents, consumers need a checklist to separate fact from fiction.
This chapter serves as your go-to guide for making informed decisions, staying protected, and avoiding common pitfalls that can cost families money every day.
Here’s your Final Expense Protection Checklist:
- Know precisely what you need.
- Add up potential costs (dependent on where you live – burial average: $8,000–$12,000 | cremation average $2,000-$5,000)
- Consider extra funds for medical bills, unpaid debts, or family travel expenses.
- Choose the correct type of coverage.
- Ask: Is this level benefit (pays out immediately) or graded/modified (2-year waiting period)?
- Confirm it’s whole life with 1st-day coverage, not term life, unless you’re using a trust or alternative strategy.
- Ask about underwriting.
- What health questions will be asked?
- Will they check my prescription history or medical records?
- Is this a simplified issue (1st-day overage) or a guaranteed issue (2-year wait)?
- Ask the agent direct questions.
- Are you independent or captive?
- How many companies do you represent?
- Can you show me the three best options side by side?
- Get a quote in writing.
- Request a copy of the policy summary or a sample contract.
- Never provide banking info until you’ve reviewed everything.
- Avoid emotional manipulation.
- Pressure tactics are a RED FLAG for DANGER.
- “Today only,” “limited time,” or “state benefit” language is a gimmick.
- Verify the agent’s license.
- Look them up on your state’s Department of Insurance website.
- Keep everything organized.
- Store your policy, agent contact info, and funeral instructions in one secure place.
- Communicate your plan.
- Tell your family where everything is.
- Discuss your wishes so they’re not left to guess during a stressful time.
- Review your policy every year.
- Health changes? Life changes? You may qualify for better rates or more coverage.
Thoughtful planning protects your family from confusion and debt, and makes sure your final wishes are honored.
Call Randy the Final Expense Guy directly at 888-862-9456 to get a plan that works now and long-term for you.
Chapter 15: Real Stories, Real Regret – and Redemption
This chapter shares real examples from people across the country who purchased burial insurance – some who got it right, and others who paid the price for believing false hype from bad agents or insurance companies.
Case #1: The Two-Year Trap
Linda, a 67-year-old widow from Ohio, purchased a guaranteed issue policy after seeing an ad on TV. She thought her $15,000 policy would protect her daughter in the event of her passing. But no one explained the 2-year waiting period.
Linda passed away from a stroke 18 months later. Her daughter received a refund of premiums – just $700 – instead of the $15,000 she was expecting.
Lesson: Always ask if your plan has a 2-year waiting period.
Case #2: Misleading Agent
James, 73, bought a policy over the phone after receiving a mailer claiming he could get “coverage regardless of health.” The agent promised it was “full coverage, no matter what.”
But when James’s son tried to file a claim after his father’s cancer death, he learned the plan only paid out for accidental deaths in the last two years – total payout: $0.
Lesson: Never accept verbal promises. Get the policy details in writing.
Case #3: Redeemed in Time
Maria, 62, was about to sign with a company charging her $82/month for $10,000 in coverage. Her grandson urged her to speak to the Final Expense Guy at 888-862-9456.
That agent found her first-day coverage with a top-rated carrier for $52/month: the same benefits, same day-one coverage, but $30 cheaper per month.
Call Randy the Final Expense Guy directly at 888-862-9456 to get a plan you’ll never have to regret.
Chapter 16: Prepaid Funeral Plans – A Safe Bet or a Death Trap?
Prepaid funeral plans can sound appealing: lock in today’s prices, spare your family from financial stress, and make your final arrangements in advance.
But like everything in the funeral and insurance industries, the devil is in the details.
The Promise
When done correctly, prepaid plans can relieve your loved ones from having to make emotional and financial decisions during a crisis. You choose your funeral services, pay in advance (either in full or through installments), and the funeral home guarantees those services when the time comes.
The Pitfalls
Not all prepaid funeral plans are created equal. Some aren’t backed by insurance or a state-regulated trust, which means:
- If the funeral home closes or changes ownership, your money could disappear
- If you move, your plan might not transfer to another provider
- The plan may not cover everything…leaving your family with surprise costs
- Refund policies can be restrictive or nonexistent
Worse, some plans only cover specific items (like a casket or cremation), not the entire service. Prices may be “locked in,” but only for the items listed…not taxes, fees, or third-party services (which increase in price over time).
Before committing to a prepaid plan, compare pricing with burial insurance, which can offer first-day coverage and significantly lower payments.
Call Randy the Final Expense Guy directly at 888-862-9456 to get a plan you can trust for the rest of your life.
Chapter 17: Final Words – Freed by Truth
The right plan is out there – and you now know how to find it. Call now for guidance and your lowest pricing: 888-862-9456.
If this book helped you avoid a scam or make a more informed decision, please share it with a friend, a parent, or a neighbor. Because too many people are being buried in lies — and they deserve the truth.
Call me today for a free quote!
Randy VanderVaate
The Final Expense Guy
fexguy.com
888-862-9456
