But is working with a company like John Hancock for Final Expense Insurance the best route to take at 69? You’ve noticed all of the commercials on TV for John Hancock and others major companies advertising Funeral Insurance policies.
With 70 right around the corner, who may wonder how time has flown by so fast. Where did all of that time go? Most likely it went to schooling, work, career changes, big moves, fun times, difficult times, possibly some health challenges along the way… but most importantly the time spent with cherished family and loved ones. You should be proud of yourself and your life. You may be starting to worried about what happens when your life ends. Maybe you have had it on your mind for a while. You don’t want your family burdened when it happens.
69 is an amazing age. Did you know that in 1979, Mother Theresa received the Nobel Peace Prize at age 69 for her work with “Missionaries of Charity,” a world-wide organization that helped the sick, the poor, the dying, and disaster victims through a network of religious houses, schools, hospices, and charity centers in more than 120 countries.
Regardless of one’s religious beliefs. I think most can agree that Mother Theresa’s life’s work was beyond inspiring. Her charitable work to the poorest and sickest people around the world earned her well-deserved global admiration and love. Mother Theresa lived many years after earning the noble peace prize. In fact, she lived until she was age 87.
She Lived a Beautiful Life. So Have You.
People are living longer than they did in past generations. So lots of folks don’t even start thinking about getting burial insurance until they are 69. But the truth of the matter is that it’s better to be prepared. Nobody wants to leave their loved ones with crazy burial costs when they are gone. You may have seen advertisements on TV for John Hancock’s Final Expense Life Insurance for those age 60-80. Now you might be thinking, at 69, I’m just about in the middle of that age range.
Now John Hancock is a well-respected company, but when you get right down to it, they charge a premium for this coverage vs. an independent insurance agency like Insurance for Final Expense.
Let Me Give You an Example of the Difference Between John Hancock Burial Insurance and Insurance for Final Expense…
Let’s take a non-smoking female who is 69 years old and wants to get a $10,000 policy. She will pay $90.75 for that $10,000 in coverage with a John Hancock Final Expence Insurance policy. When you go with a company like Insurance for Final Expense, that same 68 year old woman will spend as $37.00 low as per month and qualify for as much as $10,000. (Note: this quote was assessed on 1/17/2020. Rates may change) Please take a moment and check it out yourself with our online quote.
From John Hancock’s Website:
From Insurance for Final Expense’s Website:
At Insurance for Final Expense, we work with multiple instant approval carriers. When picking the same day approval life insurance company, you want to make sure it is a guaranteed death benefit that will cover your funeral expense whether you are healthy or have a chronic illness.
We at Insurance for Final Expense work with all carriers, but we prefer the ones who pass the savings onto our customers. Some of our favorite trusted carriers are companies like AIG, Mutual of Omaha, Sentinel Security Life, Prosperity Life Group, Great Western, Liberty Bankers, Royal Neighbors of America, United Home Life and many more.
All of these are same day approval burial insurance carriers that require no exam and no credit score check, resulting in approval in minutes. We are also able to offer this same day full life insurance with NO 2 YEAR WAITING PERIOD.
John Hancock Final only represents one life insurance carrier… You guessed it… John Hancock Final
Sample Life Insurance Rates for 69 Year Olds when You Work with Insurance for Final Expense:
|GENDER & RATING||$5,000||$10,000||$15,000||$20,000|
|Non Tobacco User- Female||$27.00||$51.00||$75.00||$99.00|
|Tobacco User- Female||$37.00||$70.00||$104.00||$140.00|
|Non Tobacco User- Male||$36.00||$69.00||$102.00||$135.00|
|Tobacco User- Male||$50.00||$101.00||$151.00||$201.00|
Getting Low Rates For Final Expense Insurance
First of all, you have to purchase your plan from an independent agency that specializes in final expense. While buying from a company Like John Hancock, remember they are only selling their product. We have great relationships with multiple carriers, and therefore can offer you competition. You aren’t locked into ONE company and their predetermined rates.
As an independent final expense agency, we are able to represent any insurance company we want. This allows us to source the absolute best of the best. Same coverage, much better rates. While they may not run ads on TV like John Hancock and others, they then pass those savings in advertising to YOU!
Just think about how we all shop these days, especially online. Let’s say you are looking for a new car with a specific brand, model and features. Are you going to immediately go with the company with the flashiest lot and the best ads on TV? Or are you going to do your research to get the best deal possible?
Most Savvy 69 Year Olds Do Their Research. It’s the Same with Burial Insurance.
We have a huge pool of Final Expense Insurance companies to choose from. That means we deliver the best in comparison shopping. When you work with an independent final expense agency, we compare all of the prices from the different companies. Then we simply guide you towards which one offers you the best value.
But, when you work with a non independent agency, like John Hancock or Colonial Penn, they have no options. They have just one insurance company to choose from. That means that you are getting into a situation where competition. You might as well be locked inside the salesman’s office at the big fancy car dealership. Always remember, when multiple companies compete for YOUR business, you win in every way.
If you need help with final expense insurance, it would be our honor to assist you. Please call us at 1-800-400-83192926. If you would rather that we call you, just fill out the quote form on this page and a licensed agent will be in touch with you promptly.
Gary P. Cubeta
(Serving Americans In All 50 States)