This helps people with most health conditions still be able to qualify for coverage, giving them peace of mind knowing that there won’t be any expenses left to their family. This company consistently provides some of the best term and whole life insurance protection for seniors of age 70 and up. The only time that you will not be expected to pay is after you have died. What’s next? All Rights Reserved. At Senior Choice Plans, we work with some of the biggest national insurance companies in the industry. Even though you may be able to qualify for coverage while having health conditions, there can be a wide range of the monthly premiums depending on each insurance company. The best way that we can show our appreciation is by providing the best financial service available for them, and an agency they can trust. Our licensed experts study the industry to bring you the most up-to-date information and insurance quotes! The 7 Best Life Insurance Companies for Seniors for 2020 Mutual of Omaha: Best Overall AIG: Best Final Expense Insurance Banner: Best Term Life Insurance MassMutual: Best Whole Life Policy Gerber: Best for Grandchildren Transamerica: Best for Seniors Over 80 Prudential: Best Living Benefits Insurance rates are based on age,sex, and location. It goes to show that when you provide caring and talented professionals with our outstanding training, exclusive programs and the best operating systems and support in the industry, good things are bound to happen. OPTerm Life Insurance. 5600 S 48th Street, Suite 114A, Lincoln, NE 68516, US. In the 1990’s, GTL was the first to offer life insurance to Americans with HIV. Choice Senior Life is changing the way people select final expense insurance. Guardian’s online tools and resources make it a good option for seniors who are shopping for life insurance for the first time. While the experience and history of our partners are important, it isn’t as important when choosing the people who work with our clients. The cost of senior life insurance mostly depends on how much coverage you want and your age. Lorem Ipsum as their default model text, and a search for ‘lorem ipsum’ will uncover many web sites still in their infancy. Various versions have evolved over the years, sometimes by accident, sometimes on purpose. Understanding Senior Life Insurance And How To Make A Good Choice. Cheap life insurance for seniors may seem appealing, but sometimes these policies end up costing you or your beneficiary more in the long run. Knowing your final expenses are not left as a burden to your loved ones is what Senior Choice is all about. No matter your health or your age, we have a plan for you! Independent & Unbiased. If you have an email address, you will receive an email from the insurance company where you can sign the application by clicking a few places (we will walk you through this). Most people have a problem determining … Your personal licensed agent will help you fill out the application and submit it to the insurance company for you. If you move or want to change funeral homes, the Death Benefit will be paid to the funeral home providing your services. We all need help with our final expenses with the average cost of a burial in 2019 around $10,000, it can leave surviving family members with a headache and a hurt pocket book trying to plan these events after your death. Since we are specialists in burial insurance / final expense / funeral insurance policies, we are able to help you find the best company for you usually with immediate coverage while saving you money. We set this up for you and the insurance company will ask you the application questions over the phone. (402) 890-9999. From an affordable healthcare standpoint, you want someone who has plenty of options to cover your budget needs, as well as your health needs. The Wise Choice Difference. See reviews, photos, directions, phone numbers and more for Senior Choice Insurance locations in Gastonia, NC. Applying for a burial/final expense insurance plan is straight forward, simple, and only takes a few minutes. Here are some examples for $250,000 of coverage: Is Senior Life Insurance Worth the Cost? There are many reasons people buy burial type insurance policies, but the main reason is they care about their family and don’t want to leave a burden of funeral cost and other final expenses. We were one of the first to create supplemental health plans to help Americans offset the rising costs of out-of-pocket medical expenses. Life insurance for senior citizens can be expensive, so if you have a limited budget for a policy, you're not alone. Do you know that many seniors still could use life insurance policies? Senior Choice at Home is affiliated with Volunteers of America, a faith-based organization founded in 1896. No exams are required, serious health issues will not prevent acceptance, and coverage typically ranges from $2,000-$40,000 with most companies. Learn about our cutting-edge Cancer, Heart Attack and Stroke Insurance plan featuring Ask Mayo Clinic. Contact Us. Find 5 listings related to Senior Choice Insurance in Gastonia on YP.com. Or you may want to leave extra money as a gift to children, grandchildren, to a church or charity. Banner provides the option to renew their term life to age 95. February 8, 2018 by Mary Fernandez. Transamerica remains the senior term life insurance firm of choice for many. WHAT EXACTLY IS A BURIAL INSURANCE POLICY / FINAL EXPENSE INSURANCE POLICY? Your Death Benefit Is Paid Out Tax-Free To The Beneficiary Of Your Choice. Life Insurance – How to Choose . Using this method of applying for coverage, there isn’t any paperwork involved at all. Lorem Ipsum is that it as to using. Integrity, authenticity, and … If you’re not sure what that means, or what type of coverage is best for you, you can check out Guardian’s website to learn more. Banner provides a renewable and convertible term life insurance. Find the Right Plan for You Contact us today to discuss the different options available. I understand that my wireless carrier’s message and data rates may apply. Read our insurance articles and guides online. Five decades of their hard work is what has given our generation the opportunities that we have today. Copyright © 2019 Senior Choice Plans. What’s important to us are the things that can’t be taught. This way will also give us an immediate decision from the insurance company regarding your application. And for the few members who’ve needed care outside the home, it’s been covered under their membership! The range tends to start at the low end of less than $10/month for younger folks who only want $25,000 worth of coverage. We offer Life Insurance, Retirement Planning, Income Protection and Senior Benefit Programs from the top 30 carriers. Senior Life Insurance Facts Depending on if you are looking for coverage for yourself or an older member of your family, it is important to learn a little bit about different options in order to make the right choice. When looking at life insurance options, the choices available can seem bewildering and hard to understand. This type of policy can be a blessing for those who have serious health issues, but can be costly if you don’t know which companies have better rates for this type of policy. If an older person does a search for final expense life insurance, the typical policy that someone in their 60’s or 70’s might want, you could easily be led to believe that the only thing available is guaranteed issue or no exam life insurance (simplified issue). Copyright 2019 Choice Senior Insurance, All Right Reserved, Burial, Funeral, Final Expense – Ultimate Guide. We can also help you apply over the phone and your voice will be your signature. It can also ensure important goals are met, such as paying for your children's school fees or tertiary education. Home care agencies associated with The Senior's Choice are among the top performers in their respective markets when it comes to overall client satisfaction. Guardian offers three types of life insurance — term, whole and universal. The death benefit will then be provided to your beneficiary after death. Big names like … Pre-need Life Insurance is a little different than traditional life insurance, and our team is here to help explain it to you. While the experience and history of our partners are important, it isn’t as important when choosing the people who work with our clients. But you should know that the cheapest life insurance isn't always the best choice. What’s important to us are the things that can’t be taught. Banner offers you the choice of either term life insurance or universal life insurance coverage. We understand guaranteed issue policies are necessary for certain serious health conditions, but most of the time we are able to find our clients. In fact, here are a few examples of. We only work with A rated insurance companies and can help you compare multiple plans at once. Premiums may vary based upon these factors. In total contrast to some of its reputable competitors, this life insurance firm proves to work with elderly citizens, and not against them. Whole Life Insurance. Life insurance can pay off your mortgage, debts and other costs (such as funeral) and provide your family with a lump sum. No matter your health or your age, we have a plan for you! Founded in 1982 and formed by social workers, HSPN/Senior Life Choices is an affiliation of over four hundred local, regional & national organizations, including senior service providers, cultural and faith-based groups, hospitals, long-term care, memory care and assisted-living facilities, elder law and many other senior client based businesses — all with one goal — to provide programs, services, and opportunities for seniors… Burial Insurance is also referred to as Simplified Life Insurance because the underwriting is simple which makes it easier for seniors to get approved for coverage. There isn’t any type of exam required, you just answer a few health questions to see which companies will give you the best rates. By clicking the button, I agree to receiving autodialed and/or pre-recorded telemarketing calls, emails, and text messages from or on behalf of Senior Choice Plans and its business partner insurance carriers at the telephone number and email address provided above. We all need help with our final expenses with the average cost of a burial in 2019 around $10,000, it can leave surviving family members with a headache and a hurt pocket book trying to plan these events after your death. When it comes to senior life insurance, the insurance company covers you as long as you are able to pay the premium. Medicare is what we know best. We are a truly independent and unbiased agency. Come to a place where you can shop all the plans in JUST ONE PHONE CALL! View now! By submitting the application this way, we will usually get a decision on your application immediately from the insurance company. There are also policies for people who have too many serious health conditions and do not qualify for an immediate coverage final expense insurance policy – these policies are called Guaranteed Issue Policies. The Guaranteed Issue Policies do not have any health questions or medical underwriting at all – they are guaranteed to be approved, but usually have a 2 year waiting period. A term life insurance policy, universal life insurance policy or a whole life insurance plan might be available for you, so it’s time to start looking into your options. I understand that my consent is not a condition of purchase and that I may revoke this consent at any time by contacting (800) 830-7574 to be placed on the do-not-call list. That’s why we work with a diverse group of companies and partners from within the insurance industry. If you do need a medical exam, the life insurance company will pay for it. You have probably seen advertisements for senior life insurance that you can buy without a medical exam. This is where our expertise can really help you find the burial / final expense insurance policy that will give the best rates. The Insurance Company Can’t Cancel Your Policy Due To Your Health Or Age. After you determine how much coverage you want and which company you would like to go with, there are two ways to apply for coverage, and we are here to help you every step of the way. Life Insurance. We work on behalf of our clients to get them qualified for coverage that best suits their specific needs. Seniors Choice, Inc. - Medicare, Medicare Advantage, Health Insurance. Home / General / Understanding Senior Life Insurance And How To Make A Good Choice. We are here to help:   ‪(478) 334-2076. Banner offers some of the lowest rates and most competitive life insurance policies for seniors. At Senior Choice Financial, our primary mission is to provide professional insight and service to our senior community. That is our mission, and it’s truly a joy to be able to help others in this way. Most companies only offer their policies … FINAL EXPENSE WHOLE LIFE INSURANCE 3085(7/17)CN14-012 Senior Choice. Find out how much you can save on insurance with CHOICE's expert tips, comparisons and more. Choice Senior Life is changing the way people select final expense insurance. Begin … Additionally, we have found that 97% of our members have been able to live independently in their own homes! Most of the time, these life insurance medical exams are quick and non-invasive. Burial insurance, also known as final expense or funeral insurance is generally a small whole life insurance policy with affordable premiums designed to pay all final expenses. Losing a loved one can mean more than an emotional burden…it can also create a financial burden. Whatever your reason is, we are here to help you find the best policy for your specific situation. Or if you have a mortgage payment, you want to make sure there is money to pay the mortgage until the house can be sold (usually 6 months to a year). (402) 890-9999. Burial Insurance and Final Expense Insurance are phrases used to describe a Permanent Whole Life Insurance Policy that usually starts around, Burial Insurance is also referred to as Simplified Life Insurance because the underwriting is simple which makes it easier for seniors to get approved for coverage. How much life insurance for seniors will cost can be a deciding factor, and term life insurance for a man over 60 starts around $20 a month. That’s why we work with a diverse group of companies and partners from within the insurance industry. Insurance companies have their own rules that will affect your eligibility and your rates. Final Expense and Burial Insurance at the Best PricesGET QUOTES NOW, Speak with one of our agents. Everything is done over the phone during a 3-way call with you, your licensed agent, and the insurance company. Learn more about various types of policies that can benefit older people. Some plans do require you to pass underwriting. Understanding the difference allows you to make the right choice when purchasing any type of insurance policy for yourself. We assist individuals and businesses in shopping around for the company that will offer the most amount of coverage for the least cost for their needs and budget. Integrity, authenticity, and … You may have even seen life insurance companies that will guarantee acceptance without having to answer any health questions at all. Life Insurance For Seniors Senior life insurance can help if you have loved ones who would suffer financially should you pass away. 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