Final Expense Whole Life Insurance - Assurance

It can be uncomfortable to think about the expenses that are left behind when we die. Failure to plan ahead for an expense that is as certain as life itself will leave your family owing thousands of dollars. Oxford Life's Assurance final expense whole life insurance policy is an economical way to help cover funeral costs and other expenses left behind. More information regarding the policy features and the available coverage can be found below.

Assurance Policy Features

Available to individuals between the ages of 50 - 85
Available coverage from $5,000 to $30,000
Affordable rates that will never increase
Coverage will never decrease as long as premiums are paid
Policy cannot be cancelled as long as premiums are paid
Death benefits paid directly to the beneficiary of your choice federal income-tax free1
Your policy will develop cash values
No medical exams required, only a medical questionnaire
Immediate approval decision made during the point-of-sale interview
Rates based upon your current age at the time the policy is issued
Premiums can be paid monthly, quarterly, semi-annually or annually

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Average Funeral Expenses

The expense of regular adult funeral includes the following basic items. In addition to these basic final expenses, there are additional charges for flowers, headstone, burial plot, and death certificates. The final expense for funeral can easily reach $10,000.

Item	Price^*
Non-declinable basic service fee	$1,817
Removal/transfer of remains to funeral home	$250
Embalming	$628
Other preparation of the body	$200
Use of facilities/staff for viewing	$395
Use of facilities/staff for funeral ceremony	$450
Use of a hearse	$275
Use of a service car/van	$125
Basic memorial printed package	$125
Metal Casket	$2,295
AVERAGE FUNERAL EXPENSES	$6,560

Adult Funeral Expenses: 1960 - Present^*

Year	Cost of an Adult Funeral
1960	$708
1965	$790
1971	$983
1975	$1,285
1980	$1,809
1985	$2,737
1991	$3,742
1995	$4,626
2000	$5,180
2006	$6,195
2010	$6,560

^*Source
2010 National Funeral Directors Association General Price List Survey.

1 Benefits for death from suicide during the first two policy years (one year in North Dakota and excluding Missouri) are limited to the total amount of premiums paid. Exclusions and limitations may vary by state.

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Final Expense Whole Life Insurance - Assurance

Assurance Policy Features

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