Why Should You Buy American Continental Final Expense Insurance

American Continental Insurance Company (ACI) was launched in 2005. It is located in Brentwood, TN, and has assets of approximately $21bn, besides capital of $1.5bn and total surplus of $8.5bn. The president of the company is Christopher Milton Olson, the secretary is Steven Louis Hendrich and the treasurer is Gary Thomas Prizzia.
 

American Continental Life Insurance Company and Brentwood-based Continental Life Insurance Company are both associates of the Aetna family of firms. Continental Life Insurance Company has been serving its customers for almost thirty years and has been involved in providing the best life insurance and health products. You can expect the same type of commitment from ACI.

The Importance of American Continental Final Expense Insurance

Basic burial and funeral costs can easily exceed $10,000. This can create a lot of tension and frustration for your loved ones, should you reach the end of your life. However, with some careful planning you can easily ensure that your loved ones are able to pay for your burial expenses without the requirement to borrow money from others or seek assistance elsewhere.

American Continental Final Expense Insurance has three kinds of products in this category. They are the Final Benefit Plan, Graded Benefit Plan and Modified Benefit Plan. The minimum and maximum death benefit for each of these plans rangesfrom $3000 and can go up to $25,000. The issue ages for the plans are from 45 to 75 years.

Some features of American Continental Final Expense Insurance include the following:

• ·         No requirement of medical exam
• ·         Consumer valued
• ·         Competitively priced
• ·         Personalized and friendly customer service which will exceed your expectations
• ·         Results in peace of mind
• ·         Affordable coverage
• ·         Provides funds when you require it the most
• ·         Rates never increase
• ·         Can expedite policy issuance
• ·         Cuts down declined applications
• ·         Covers out-of-pocket medical expenses such as skilled or hospice care
• ·         Covers funeral costs and other debts
•       The applications for coverage can be rejected on the following grounds
• ·         If any other individual other than the applicant fills the form and signs.
• ·         If the applicant is unaware that they applied for the policy.
• ·         The applicant refuses to undergo a telephone interview.
• ·         If the initial premium, applicable forms and the faxed application are incomplete and received in a period of 30 days after the pre-approval date.
• ·         If the applicant is not a legal resident of the US.

With American Continental Final Expense Insurance your family will be relieved from the ordeal of having to arrange money for funeral expenses. This is a great advantage which can keep you composed in your last days, free of the burden of your financial obligations..

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Why Buy 5 Star Final Expense Insurance?

5 Star Life Insurance Company is a subsidiary of the 5 Star Financial Services Company and has been given a rating of “A” (Excellent) by AM Best for operating performance and financial strength. It is a connected enterprise of The 5 Star Association AFBA (Armed Forces Benefit Association) which in the past has sold life insurance to federal civilians and military personnel as well as their dependents for close to 50 years. The 5 Star Association has total of $35 billion currently in force and provides coverage to more than 500,000 people.

5 Star Final Expense Insurance

If an unexpected tragedy takes place, the last thing you’d want is to burden your loved ones with final expenses such as legal fees, medical bills and funeral costs. Average funeral costs can easily exceed $8000 with average final expenses standing at $10,000. We are unsure when death will catch up with us, however, we can always take the necessary steps to ensure that our funeral and final expenses are covered when the time arrives.

The 5 Star Life Insurance Company brings you an excellent Final Expense policy which is suitable for military veterans. People in the age group of 60 to 70 are normally the target for 5 Star Final Expense Insurance since these have comparatively smaller face amounts which are appropriate for funeral and burial costs. The program has the most flexible underwriting without any script check. The policies are issued within 48 hours after the application process is completed. The agent can opt for PH1 (immediate decision) or traditional underwriting. Around 50% of death benefit is paid to the beneficiaries within 24 hours following their request.

The advantages of the 5 Star Insurance Company

Another advantage of 5 Star Final Expense Insurance is that they never ask for prescriptions which is a big plus. Individuals who are taking medication and fail to pass underwriting for various companies can always come to 5 Star Final Expense. You’d never like to use some carriers as your basic insurance firm since they are quite difficult to work with. In case you require changing the information, such as your bank account or address, you may find it tough to get this job done over the phone. In addition, their smoking rates are pretty high. Their website may not be user-friendly. However, such is not the case with 5 Star Insurance Company as they are always there to answer your calls. Your emails are always replied promptly and there is someone in the customer support department to answer your phone calls.

Your loved ones would like to give you a proper funeral to pay their last respects. Insufficient funds could result in having to downgrade the final service. A good way to save your family from this upset is to opt for a 5 Star Final Expense Insurance plan.

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Why Buy Assurity Final Expense Insurance?

The Assurity Life Insurance Company is located in Lincoln, Nebraska, and is a mutual insurance firm. It has approximately 400 home office associates and operates in 49 states and the District of Columbia.

The company was formed as a result of a tie-up of three insurance companies based in Lincoln, Nebraska. These were Lincoln Direct Life, Security Financial Life and Woodmen Accident and Life. This merger ended in 2007. The oldest of these three companies was Woodmen Accident and Life which was launched in 1890 and was referred to as Modern Woodmen Accident Association. Security Mutual Life or Security Financial Life started in 1895 while Lincoln Direct started in 1896 and was known as The Royal Highlanders.

The total assets of Assurity Life Insurance touch approximately $2 billion and the company has a reputation for providing great customer service. With respect to financial management, the organization follows a grooved approach. Assurity Final Expense Insurance offers policies for everyone including those with serious health conditions and even with minor health issues.

Assurity Final Expense Insurance

The Assurity Final Expense Insurance policy is divided into three different categories, which includes the Lifescape plan. This is a simplified plan created to assist individuals in the management of their final expenses in event of their death. The National Funeral Directors’ Association states that the total costs of final expenses $7000-$8000 and can exceed this amount, especially if the policy holder has special requirements at the end of his life. These policies include level premiums along with a “free look” for 30 days, which can give you sufficient time to plan out your final expenses. You may also decide to terminate the plan if during this period you find it to be implausible.

Tips to get the best rates:

• Shop around

If you want to buy the best final expense insurance, the best thing is to shop around. The internet is the best tool for shopping as you can have access to many company quotes from the comforts of your home.

• Look for the appropriate payment plan

A majority of Final Expense policies are made every month. However, you can choose to pay them on a yearly basis. By doing this, you can avail of a tiny discount such as that given by Assurity Final Expense Insurance.

• Read company reviews

These days you can find reviews on almost every company you choose. Reading such reviews can help you to choose a firm with reputation and experience.

• Plan your funeral

This is a great tip for cutting down on funeral and burial expenses. Our loved ones would like to honor us in the best possible way even if they don’t have the affording capabilities to do so.

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