Final Expense

Did you know burial policies may be designed to cover one person or everyone in a family?
Under some state laws, funeral homes may be licensed to sell burial insurance, but it is mainly sold through brokers and agents of insurance companies licensed to sell life insurance like Bright Oaks Insurance.
An approach that is similar to burial life insurance (and sometimes called burial or “pre-need” insurance) is pre-payment of your funeral arrangements. Under this program, you may select the funeral home, type of service, casket (or cremation), flowers, headstone, burial plot, the cost of digging and filling the grave, and other items, and lock in the prices for them by paying in advance. This approach proves beneficial to those who can afford it. Final Expense Insurance Coverage benefits the majority of our population.

Why do you need protection for final expense?
  • Social Security pays only $255 as a benefit and only to qualified dependents. The VA expense benefit is only $300.
  • The average  funeral costs between $5,000 and $15,000, with most falling between $7,500 and $10,000.
  • Final Expenses can include medical, legal and debts left unpaid.
  • Your household Social Security income can be cut by as much as 50% with the death of a spouse.
  • Contact us today and protect your loved ones from the burden of Final Expenses.
  • Below you will find some tools to assist you in determining what your Final Expenses could be.
Plus, There May Be These Additional Expenses:

  • The cost of flowers...newspaper obituary, death certificates.
  • Cemetery Expenses such as Plot, Opening and Closing of the Grave, Marker, Engraving, etc! This could be as high as $3,000 more.
  • Hospital or Doctors bills...outstanding Debts or Obligations...any Legal or Attorney fees.
If you died tomorrow...
How would your loved ones pay these final expenses?

 Service  Average Cost
 Professional service charges
 Transfer to Funeral Home
 Casket (medium range)
 Use of Viewing Facilities
 Embalming $495.00
 Hearse, Limo, Service, Vehicle
 Burial Vault
 Use of Ceremony Facilities
The Affordable Solution:
Bright Oaks Insurance
Helps Assure You Won't Be A Burden To Your Loved Ones

  • $3,000 to $30,000 of guaranteed benefit.
  • Benefits guaranteed not to decrease.
  • Premiums are guaranteed not to increase.
  • Guaranteed cash values.
  • Coverage starts the first day your policy goes into effect.
  • Policy cannot be canceled because your age or health changes
  • No Medical Exam or Telephone Interview required...Just answer the health questions on the short application.

What this Coverage can mean for you and Your Loved Ones

  • Helps eliminate the Financial Burden associated with death.
  • Provides needed cash for costly final expenses at the time of need.
  • Helps ease hardship for your loved ones.
  • Upon your demise, the Funeral Home of your choice should accept this coverage just at it would cash.
Final Expense Needs Analysis Helps eliminate the Financial Burden associated with death

Funeral Service (embalming,viewing): $
Cemetery Charges (plot, opening/closing): $
Funeral Merchandise (vault, casket, urn): $
Flowers, Hearse (limousine, certificates): $
Hospital/Doctor Bills: $
Outstanding Debts/Obligations: $
Legal Expenses/Probate: $
Total needed for Final Expense: $