Friday, June 24, 2011

It's Your Funeral....

There is a 100% guarantee that each of us will die one day.  Who is going to pay for your funeral and where will they get the money?

One of the greatest gifts you can give to your family is to prepay and prearrange your funeral.  There are different ways to do this:  (1)  Meet with one of the local funeral homes at their location or in your home to decide on the details of your funeral from the cost of burial or cremation, flowers, obituary and other features you want.  (2)  Decide how much you want to spend and purchase an Irrevocable Funeral Trust to cover the cost.  This fund then can be used by a funeral home you select now or have your family make that election in the future.

We have added two new services for our clients.

The first one I want to introduce is the NGL Funeral Trust.  It is a packaged plan where a guaranteed-issue National Guardian Life Insurance Company (NGL) insurance policy, with growth, is assigned to a NGL Funeral Trust.  This plan is specifically designed to help pay for final expenses, and relieve this burden from your family.

What are the benefits of a NGL Funeral Trust?

• Peace of mind for you and your family
• Guaranteed issue - up to age 99
• Growth for inflation protection
• Income tax free death benefits
• Claims paid the next business day without a death certificate
• Portable to any funeral home in the country
• May help protect funds from all creditors, nursing homes, probate and Medicaid

If this is something you want to explore for you and your family, give us a call.

The second new service is FREE for our clients.  We believe it is important to leave a legacy.  Part of that legacy is to be remembered long after we are gone.  The membership program is called "Legacy Safeguard" and offered through National Guardian Life Insurance Company (NGL).  I'll describe this program in the next blog.