We help you lock in an
affordable funeral expense policy.
The average funeral is $9,135*
Can your loved ones afford that?
When your family member passes away, the last thing you should be worrying about is how to pay for their funeral. We provide you and your loved ones with final expense policies that you can actually afford.**Up to $50,000 in coverage available. Lock in your plan today.
*This national average is taken from the National Funeral Directors Association
**This life insurance does not specifically cover funeral goods or services, and may not cover the entire cost of your funeral at the time of your death. The beneficiary of this life insurance may use the proceeds for any purpose, unless otherwise directed.
We help families across America.
Let us help yours, too.
| What is final expense? |
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| Final expense coverage is the last gift that you will be able to give your loved ones. This coverage helps your family cover your end-of-life costs. This includes casket & funeral services, cemetery expenses, monuments or markers, vault fees, any medical bills you may leave behind, and more. |
| Do I really need final expense coverage? |
|---|
| YES! Even if you already have traditional life insurance, at the time of your passing, your family will no longer receive your income or benefits. By having this additional coverage in place, your family won’t have to use your existing savings in order to afford your final expenses. |
| I’m afraid I won’t qualify… |
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| As long as you’re between the ages of 0-85, we have the perfect plan for you. Even if your health is worsening or you’re getting a little older, we can help. There are no medical exams, and nobody needs to come to your house to do any bloodwork. Once you’ve locked in your plan, your rates will always remain the same, regardless of your age. |
| *Issuance of insurance is based on answers to health questions on the application. |
Client Resources
WHAT IS FINAL EXPENSE?
It costs money when you die.
Final expense policies protect your family from debt.
Final expenses are the costs associated with death.
Are you going to leave your family with this burden?
At the time of your death, your policy will protect your family from debt.
Once the necessary paperwork has been filed, your benefit will be paid out to your family. This is the last gift that you will be able to offer for your loved ones. As long as you’re between the ages of 0-85, we can find the perfect plan for you, regardless of health condition. Your payments are locked in for life, there aren’t any medical exams or bloodwork, and we have a reputation of paying our claims within 24 hours.
*Issuance of insurance is based on answers to health questions on the application
We offer whole life policies for anyone ages 0-85.
Whole life insurance is good for people that want lifelong coverage that builds cash value over time. As long as premiums are paid, this type of coverage will not expire.
Term life insurance covers the person being insured for a certain period of time in their lives. Our term policies last 20 years.
ULTIMATE PREFERRED
Whole Life Coverage
Minimum Face Amount: $10,000
Maximum Face Amount: $30,000
Issue Ages: 0 – 85
No History Of Tobacco/Nicotine Use (Within Past 10 Years)
For Those Free Of Health Issues
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SUPER PREFERRED
Whole Life Coverage
Minimum Face Amount: $5,000
Maximum Face Amount: $30,000
Issue Ages: 0 – 85
No History of Tobacco/Nicotine Use (Within Past 5 Years)
For Those Free Of Health Issues
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PREFERRED
Whole Life Coverage
Minimum Face Amount: $1,000
Maximum Face Amount: $20,000
Issue Ages: 0 – 85
No History of Tobacco/Nicotine Use (Within Past 12 Months)
For Those With Minor Health Issues
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PLATINUM PROTECTION
Whole Life Coverage
Minimum Face Amount: $5,000
Maximum Face Amount: $30,000
Issue Age: 55 – 85
No Restrictions For Tobacco/Nicotine Use
For Those With Minor Health Issues
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STANDARD
Whole Life Coverage
Minimum Face Amount: $1,000
Maximum Face Amount: $20,000
Issue Ages: 0 – 85
No Restrictions For Tobacco/Nicotine Use
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20 PAY STANDARD
Whole Life Coverage
Minimum Face Amount: $1,000
Maximum Face Amount: $20,000
Issue Ages: 0 – 60
No Restrictions For Tobacco/Nicotine Us
MODIFIED
Whole Life Coverage
Minimum Face Amount: $10,000
Maximum Face Amount: $30,000
Issue Ages: 0 – 85
No History Of Tobacco/Nicotine Use (Within Past 10 Years)
For Those Free Of Health Issues
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EASY ISSUE
Whole Life Coverage
Minimum Face Amount: $1,000
Maximum Face Amount: $10,000
Issue Ages: 0 – 85
No Restrictions For Tobacco/Nicotine Use
Benefit: Years 1-3 110% Of Premiums Paid; Year 4+ Full Face Amount
For Those With Significant Health Conditions
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GUARANTEED ISSUE
Whole Life Coverage
Minimum Face Amount: $1,000
Maximum Face Amount: $10,000
Issue Ages: 0 – 85
No Restrictions For Tobacco/Nicotine Use
Benefit: Years 1-3 110% Of Premiums Paid; Year 4+ Full Face Amount
Guaranteed To Anyone 0 – 85, Regardless Of Health Conditions
Only need 20 years of coverage? This is available with our term life insurance plans.
20 YEAR TERM
Term Life Coverage
Minimum Face Amount: $10,000
Maximum Face Amount: $50,000
Issue Ages: 20 – 65
No Restrictions For Tobacco/Nicotine Use
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20 YEAR TERM: RETURN OF PREMIUM
Term Life Coverage
Face Amounts: $10,000, $20,000, $30,000, $40,000, And $50,000 Only
Issue Ages (Non-Tobacco Users): 20 – 60
Issue Ages (Tobacco Users Within Past 12 Months): 20 – 45
100% Premiums Paid Back At The End Of The 20 Year Term
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TERM TO AGE 90
Term Life Coverage
Face Amounts: $10,000, $20,000, $30,000, $40,000, and $50,000
Issue Ages: 18 – 80
No Restrictions For Tobacco/Nicotine Use
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TERM TO AGE 100
Term Life Coverage
Minimum Face Amount: $5,000
Maximum Face Amount: $50,000
Issue Ages: 50 – 75
No History of Tobacco/Nicotine Use (Within Past 12 Months)
Are you ready to protect your family?
Privacy Policy
ShieldPolicy, LLC (Senior Memorial) values its users' privacy. This Privacy Policy will help you understand how we collect and use personal information from those who visit our website or make use of our online facilities and services, and what we will and will not do with the information we collect. Our Policy has been designed and created to ensure those affiliated with ShieldPolicy, LLC of our commitment and realization of our obligation not only to meet, but to exceed, most existing privacy standards.We reserve the right to make changes to this Policy at any given time. If you want to make sure that you are up to date with the latest changes, we advise you to frequently visit this page. If at any point in time ShieldPolicy, LLC decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner.This Policy applies to ShieldPolicy, LLC, and it governs any and all data collection and usage by us. Through the use of https://memorialplans.com/, you are therefore consenting to the data collection procedures expressed in this Policy.Please note that this Policy does not govern the collection and use of information by companies that ShieldPolicy, LLC does not control, nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information. It is highly recommended and suggested that you review the privacy policies and statements of any website you choose to use or frequent to better understand the way in which websites garner, make use of and share the information collected.ShieldPolicy, LLC (doing business as Senior Memorial) is an affiliated insurance agency with (and life insurance policies underwritten by) Senior Life Insurance Company of Thomasville, GA.Below is information collected by ShieldPolicy, LLC or Senior Life Insurance Company:
Your Information
Why do we collect information?
Financial companies choose how they share your personal information. Federal and state law give consumers the right to limit some but not all sharing. Federal and state law also require us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
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What information do we collect?
The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security Number, medical information, and information provided on your application; Policy coverage, premium, payment history, and other information about your transactions with us. When you are no longer our customer, we continue to share your information as described in this notice.
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How do we collect information?
All financial companies need to share their customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Senior Life Insurance Company & ShieldPolicy chooses to share; and whether you can limit this sharing.
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If you have requested a quote:
Upon clicking “Submit”, you expressly consented by electronic signature to receive marketing communication, including via calls using an automatic telephone dialing system and artificial or pre-recorded messages, emails, and text messages (SMS), from ShieldPolicy, LLC (Senior Memorial) and Senior Life Insurance Company or their agents, representatives, affiliates and partner companies to the phone number provided (including any wireless numbers). You understand that your consent to receive communications in this manner is not required as a condition of purchasing any goods or services, your telephone company may impose charges for these contacts, and you can revoke your consent at any time. By clicking “Submit”, you have further agreed to receive SMS notifications from ShieldPolicy, LLC (Senior Memorial) and Senior Life Insurance Company, its agents, affiliates, or partner companies. Message and data rates may apply. Message frequency varies. You may receive alerts until you choose to opt out of this service by texting “Stop” or replying “Stop” to any of our messages.
Reasons We Can Share Personal Information
Who is providing this notice?
ShieldPolicy, LLC (dba Senior Memorial), 6 Cardinal Way #900, Saint Louis, MO 63102
Senior Life Insurance Company, 1 Senior Life Lane, Thomasville, GA 3179
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How do we protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with state and federal law. These measures include computer safeguards and secured files and buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information, and we restrict access to those employees and agents for whom access is appropriate.
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How do we collect my personal information?
We collect your personal information, for example, when you: Apply for insurance and pay premiums; File an insurance claim
We also collect your personal information from other companies.
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Why can’t I limit all sharing? Federal law gives you the right to limit only:
Sharing for affiliates’ everyday business purposes – information about your creditworthiness
Affiliates from using your information to market to you
Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. ShieldPolicy, LLC (Senior Memorial) and Senior Life Insurance Company does not share your information.
Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. ShieldPolicy, LLC (Senior Memorial) and Senior Life Insurance Company does not share with nonaffiliates so they can market to you.
Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ShieldPolicy, LLC (Senior Memorial) and Senior Life Insurance Company does not market jointly with these companies.
We offer whole life policies for anyone ages 0-85.