All Posts By Ron Adelstein
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How Insurance Companies Determine The Cost Of Final Expense Life Insurance

Final expense life insurance is a type of life insurance policy that covers the cost of funeral expenses and other end-of-life expenses. It’s designed to provide peace of mind to seniors who want to ensure that their families aren’t burdened with the high costs of a funeral. However, the cost of final expense life insurance…
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old man insurance

Easy Approval Insurance

We all love a good laugh, and what’s better than laughing about something that can actually save you from a lot of stress? That’s right, we’re talking about easy approval insurance! This type of insurance is designed for people who are looking for coverage but may have had trouble getting approved for a traditional insurance…
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Grand parents with kids

Buying Life Insurance For Grandchildren

As a grandparent, your grandchildren are probably some of the most important people in your life. You want to make sure that they are taken care of even after you are gone. That’s where life insurance comes in. By purchasing life insurance for your grandchildren, you can provide them with financial security and ensure that…
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Funeral

How To Plan Your Own Funeral

Planning your own funeral is not an easy task, but it is one that is essential to ensure that your final wishes are respected and that your loved ones are not burdened with the responsibility of making all the arrangements during a time of grief. In this article, we will guide you through the steps…
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Why Consumers Should Only Hire Independent Insurance Agents

When it comes to buying life insurance, there are two main types of agents you can work with – captive agents and independent agents. While both types of agents can help you find the right life insurance policy for your needs, there are many benefits to working with an independent insurance agent that make them…
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happy family with grandparents

Finding The Right Life Insurance Policy For Your Parents

Finding the right life insurance policy for your parent can be a daunting task, but with a clear understanding of your needs and goals, the process can become much simpler. There are a variety of life insurance products available, each with its own unique features and benefits. The key is to determine what your primary…
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Pros and Cons of Burial Insurance Programs

When it comes to planning for the future, it’s important to consider all aspects of your life, including what will happen when you’re no longer here. Funeral expenses can be a significant financial burden on your loved ones, which is why many people choose to invest in a burial insurance policy. But what exactly is…
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Planning Ahead

Understanding Common Pre-Qualification Questions For Funeral Insurance

As you plan for your future, it’s important to consider the financial impact of your passing on your loved ones. Funeral insurance, also known as burial insurance, is a type of insurance policy that provides a lump sum of money to help cover the cost of your funeral expenses. But before you can purchase a…
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white rose on Funeral

What Does A Burial Insurance Policy Cover?

A burial insurance policy, also known as funeral insurance or final expense insurance, is a type of insurance policy designed to cover the costs associated with a funeral and other end-of-life expenses. These policies are typically marketed to seniors, as the cost of a funeral can be quite expensive and can put a financial strain…
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Old black lady

Can Blood Pressure Medications Effect Burial Insurance Premiums?

Blood pressure medications, also known as antihypertensives, are used to treat high blood pressure and reduce the risk of heart disease, stroke, and other serious health conditions. However, the use of these medications can also impact the cost of burial insurance premiums. In this article, we will take a closer look at the specific medications…
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Old hands

When To Move A Parent Into A Senior Care Facility

Making the decision to move a parent into a senior care facility can be a difficult and emotional one. It’s a process that requires careful consideration, as well as a deep understanding of what your parent needs and what is best for their overall well-being. However, there are certain signs that may indicate it is…
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old lady smiling

Types Of Senior Care Facilities

When it comes to choosing a senior care facility for a loved one, it’s important to understand the different types of facilities available. Each type of facility offers unique advantages and disadvantages, so it’s important to consider your loved one’s needs and preferences to determine which type of facility is best for them. In this…
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old lady sitting with young lady

How To Choose The Right Senior Care Facility For A Parent

Choosing a senior care facility for a parent can be an emotional and overwhelming experience. It can feel like you’re making a difficult decision, and it can be tough to know where to start. However, taking the time to research and consider the different options can help ensure that your parent receives the best care…
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Happy black family

How To Buy Final Expense Insurance For Your Parents

As a child, you likely want to do everything in your power to take care of your parents and ensure their comfort and happiness in their later years. One way to do this is by purchasing final expense insurance for your parents, which can help cover the costs associated with end-of-life expenses and provide financial…
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Old man smoking

How to Get Burial Insurance For Seniors Who Smoke

Burial insurance is an important topic that many seniors face, especially those who smoke. While the thought of planning for one’s funeral may not be the most uplifting, it is a necessary consideration for those who wish to ensure that their loved ones are not burdened with the cost of their funeral. Many people believe…
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How seniors can reduce cancer risk

Burial Insurance For Seniors With Cancer

Burial insurance for seniors with cancer: A decision that requires both heart and mind Cancer is one of the most devastating diseases that anyone can face, especially for seniors. It is a physical and emotional burden that can greatly affect not only the person who is suffering from it, but also their loved ones. Along…
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American flag

Burial Insurance For Veterans

Burial insurance, also known as final expense insurance, is an important type of insurance coverage for many individuals, including veterans. As a veteran, you have dedicated your life to serving your country and protecting the freedoms we hold dear. It is important to ensure that your final expenses are taken care of, so that your…
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cardiac arrest old man

Burial Insurance For Stroke Victims

Stroke is a serious health condition that can have a significant impact on seniors, both physically and emotionally. Having a stroke can also impact life insurance coverage. Life insurance companies use various factors to determine the risk of insuring an individual, including their medical history and health status. If an individual has suffered a stroke,…
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old lady at hospital

Burial Insurance For Seniors With Pre-Existing Conditions

As people age, planning for end-of-life expenses becomes increasingly important. One common way to address these costs is through burial insurance. However, for seniors with pre-existing health conditions, finding an affordable policy can be a challenge. In this post, we’ll look at what burial insurance is, how it works for seniors with pre-existing conditions, and…
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diabetic old lady

Burial Insurance For Seniors With Diabetes

Burial insurance is an important consideration for seniors with diabetes. This type of insurance is specifically designed to cover the costs associated with a funeral and burial, helping to relieve the financial burden that can be placed on loved ones during a difficult time. For seniors with diabetes, having burial insurance in place can provide…
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old man at hospital

Burial Insurance For Seniors With COPD.

Burial insurance, also known as final expense insurance, is a type of life insurance policy designed specifically to cover end-of-life expenses such as funeral costs, burial or cremation costs, and other final expenses. This type of insurance is particularly important for seniors, especially those with chronic illnesses such as Chronic Obstructive Pulmonary Disease (COPD). COPD…
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Happy old couple

Is Burial Insurance Affordable?

Burial Insurance: It’s Not as Scary (or Expensive) as You Think! When it comes to planning for the future, many people tend to shy away from thinking about the inevitable: death. But, it’s important to remember that death is a natural part of life, and that’s where burial insurance comes in! This type of insurance…
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what a preneed insurance

Pre-Need Funeral Insurance: Embracing The Future With Confidence

Death is a natural part of life and one that we will all eventually face. But, that doesn’t mean that we have to leave our loved ones with the burden of paying for our final expenses. That’s where pre-need funeral insurance comes in! It’s time to put your mind at ease and start planning for…
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Happy Senior Couple

The Cost of Burial Insurance: A Laughing Matter?

It’s no joke that the cost of a funeral can add up quickly. With the average funeral costing upwards of $7,000, it’s no wonder more and more people are turning to burial insurance to ease the financial burden on their loved ones. But what exactly is burial insurance and how much does it cost? First…
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insurance policy

Funeral Planning Made Easy: Getting Funeral Insurance Quotes Has Never Been Simpler!

Gone are the days of endless phone calls, appointments, and complicated forms. With just a few clicks of a button, you can now get funeral insurance quotes from the comfort of your own home. It’s like a breath of fresh air in the world of funeral planning! Say goodbye to the hassle and stress of…
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senior life insurance

Goodbye, Physical Exams: Hello, No Medical Exam Burial Insurance

Gone are the days of awkward and uncomfortable physical exams. No more lying about your medical history or fearing the results of a routine check-up. With no medical exam burial insurance, you can finally rest easy knowing that you’ve taken care of your final expenses without having to strip down to your skivvies in front…
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critical illness insurance

The Importance Of Critical Illness Insurance

Critical illness insurance is a type of insurance that provides financial protection in the event that you are diagnosed with a serious, life-threatening illness such as cancer, heart attack, or stroke. This type of insurance is designed to help you cope with the financial burden that comes with a critical illness by providing a lump…
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happy old couple

What Burial Insurance Means For You And Your Family

The future of burial insurance is filled with exciting possibilities and advancements that will benefit you and your family. Here’s a sneak peek at what the future holds: The future of burial insurance is looking bright, and it’s all about making sure you and your family have peace of mind when it comes to end-of-life…
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burial insurance featured

The Advantages of Buying Burial Insurance Over Other Forms of Insurance

When it comes to securing financial protection for end-of-life expenses, many people often overlook the importance of burial insurance. But, as it turns out, burial insurance can offer several unique advantages over other forms of insurance. Let’s take a closer look at why buying burial insurance might be the right choice for you. While burial…
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file a claim

Understanding The Claims Process For Burial Insurance

The claims process for burial insurance is an essential aspect of this type of insurance coverage. This process is designed to provide financial support to policyholders during a difficult time, and to ensure that their final expenses are taken care of. To start the claims process, the beneficiary or representative of the deceased person will…
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How is Corona impacting the insurance industry

The Impact Of COVID-19 On The Burial Insurance Industry

The COVID-19 pandemic has affected nearly every aspect of our lives, and the burial insurance industry is no exception. But, instead of getting bogged down by the negatives, let’s take a lighthearted look at the impact of COVID-19 on the burial insurance industry and see how it’s shaping the future of this important form of…
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2023 Guide To Guaranteed Issue Life Insurance: Everything You Need To Know

2023 Guide To Guaranteed Issue Life Insurance: Everything You Need To Know

Life insurance is a critical component of financial planning, offering peace of mind and protection for your loved ones in the event of your unexpected death. However, not everyone is able to qualify for traditional life insurance policies, due to health conditions or age. If you’re in this situation, guaranteed issue life insurance may be…
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red flowers at funeral

The Average Cost Of A Funeral: A Comprehensive Guide

A funeral is a way to honor the memory of a loved one who has passed away. However, the cost of a funeral can be substantial, and it’s important to understand what to expect. In this article, we’ll take a closer look at the average cost of a funeral and what factors contribute to the…
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Tax Benefits Of Final Expense Insurance

Tax Benefits Of Final Expense Insurance

Final expense insurance is a type of life insurance that can provide a lump sum of money to help cover the costs of a funeral and other end-of-life expenses. But did you know it also has some pretty sweet tax benefits? Let’s take a look! Final expense insurance has a lot of benefits, but these…
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new jersey

Finding The Best Burial Insurance In New Jersey

Are you a proud resident of the Garden State and looking to plan for the inevitable? Well, have no fear because getting the best burial insurance in New Jersey is as easy as a slice of pizza from Tony’s or a bagel from the local deli. First things first, let’s talk about what burial insurance…
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calculator and tablet

Is Final Expense Insurance Taxable?

The question of whether final expense insurance is taxable is a complex one, as it depends on a number of factors, including the specific policy and the individual’s financial situation. In general, life insurance death benefits are not taxable as income to the beneficiaries, but there are some exceptions. One exception is if the death…
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Pros And Cons Of Purchasing Burial Insurance When You Have Pre-Existing Conditions

Pros And Cons Of Purchasing Burial Insurance When You Have Pre-Existing Conditions

For individuals with pre-existing conditions, there are certain pros and cons to consider when deciding whether or not to purchase a burial insurance policy. Pros of getting burial insurance with pre-existing conditions: Cons of getting burial insurance with pre-existing conditions: Read Also: What’s The Difference Between Whole Life And Term Insurance? In conclusion, burial insurance…
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happy old couple

How To Find The Best Funeral Insurance

Funeral insurance is a type of life insurance that is specifically designed to cover the costs associated with a person’s funeral and burial. It is an important type of coverage for many individuals, as the expenses related to a funeral and burial can be significant and can put a financial burden on loved ones at…
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What’s The Difference Between Whole Life And Term Insurance?

Life insurance is an important coverage that can provide financial protection for individuals and their loved ones in the event of the policyholder’s death. There are two main types of life insurance: whole life and term insurance. Both types have their own unique features and benefits, and it is important to understand the differences between…
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old man with daughter

Who Needs Burial Insurance?

Burial insurance, also known as final expense insurance, is a type of life insurance that is specifically designed to cover the costs associated with a person’s burial and funeral. It is an important type of coverage for many individuals, as the expenses related to a funeral and burial can be significant and can put a…
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Old hands

What Does Burial Insurance Cover?

Burial insurance, also known as final expense insurance, is a type of insurance designed to cover the costs associated with a person’s funeral and burial. These costs can include things like the cost of the casket, the burial plot, the headstone, the funeral service, and other related expenses. One of the main benefits of burial…
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Why Are Funeral Costs Going Up?

Funeral costs have been steadily increasing in recent years, with many factors contributing to the rise in price. According to the National Funeral Directors Association (NFDA), the median cost of a funeral in 2019 was $7,640, which is a significant increase from $7,181 in 2015. One of the main reasons for the increase in funeral…
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two old ladies

Can I Purchase Final Expense Insurance If Diagnosed With Dementia Or Alzheimers?

Final expense insurance, also known as burial insurance, is a type of life insurance that is designed to cover the costs associated with end-of-life expenses such as funeral costs, medical bills, and outstanding debts. These policies typically have smaller death benefits, usually in the range of $5,000 to $50,000, and are often easier to qualify…
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Insurance policy

What Factors Determine Premiums Of Final Expense Insurance?

Burial insurance, also known as final expense insurance, is a type of insurance that can help cover the costs of a funeral and other end-of-life expenses. The cost of burial insurance, or the premium, can vary depending on several factors. In this article, we will discuss how premiums are determined with burial insurance. Recommended Read:…
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How much does it cost

How Much Does A Traditional Burial Cost in 2023?

The cost of a traditional burial can vary depending on several factors, such as location, type of casket, and type of service. However, in general, traditional burials can be quite expensive, with costs averaging between $7,000 and $12,000 in the United States in 2023. It’s worth noting that the costs of a traditional burial can…
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old couple working in office

Why Seniors Should Purchase Final Expense Insurance

As seniors approach the end of their lives, it’s important to start thinking about their end-of-life expenses and how they will be covered. Burial insurance, also known as final expense insurance, is a type of insurance that can help cover the costs of a funeral and other end-of-life expenses. It’s a type of coverage that…
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