Coffee With Coletta

 What Happens When The Cost of Funerals Increases? Funeral services, like everything else in life, continue to rise in cost over time. Will your life insurwnce plan be enough?  Inflation affects groceries, utility bills, and yes, even funeral expenses. This means that the plan you set up years ago might not cover as much as you initially thought. Being prepared now can save your loved ones both stress and financial burden later. Why Planning Ahead Matters Even a small life insurance or final expense plan can make a huge difference. If you didn’t have anything in place, the responsibility for covering funeral costs would fall entirely on your family. They might have to dip into: Savings Retirement funds Other accounts that weren’t meant for this purpose By having some coverage, you lighten that load and give your family peace of mind. Options When Funeral Costs Rise The good news is you have options to adjust your plan as needed. 1. Increase Your Coverage If your budget allows,...

Attention, Georgia Seniors Looking For An Affordable Final Expense Life Insurance Plan If you are a resident of Georgia, age 50 and up, you may be here because you are looking for an affordable final expense life insurance plan.  If you answer "YES" to any of the following questions, you are in the right place at the right time.  Are you age 50 and over, a Georgia resident, and do not know where to turn for affordable final expense life insurance? Do you have little to no savings but want to make sure that your burial arrangements are taken care of?  Do you want to make sure that if you have a heart attack, stroke, or the doctor says you have a terminal illness, you can have the funds available to handle the care for it? If you said YES to any of the above questions, you are reading this for a reason. It is your sign to make a change and set a plan so that you can set it and forget it.  Remember, planning for the future does not mean that you are ready for that day t...

  How Much Does a Funeral Really Cost? Why Final Expense Insurance Matters for Seniors Many seniors are shocked when they learn how much funerals really cost today. Even a simple service can create thousands of dollars in expenses for loved ones. This is one of the main reasons final expense insurance has become so important for seniors who want to plan ahead and protect their families. What Does a Funeral Really Cost Today? The average funeral can cost $7,000 to $12,000 or more , depending on the services chosen. You can choose to keep it simple ir add all of the pump and circumstances to make it fancy, it's up to you and we'll, or your loved ones. Common funeral expenses include: Funeral home services Casket or urn Burial or cremation Transportation(especially with out of state or out of the country expenses) Flowers and printed programs These costs often come unexpectedly, creating stress during an already emotional time. Why Seniors Choose Final Expense...

  Why Final Expense Insurance Is Different From Work Coverage Many people believe their job’s life insurance policy will handle everything. In reality, that policy on your job often ends when employment ends, and it may not be enough to cover final expenses. Final expense insurance is different because: It stays with you for life(which is what you want) It’s not tied to your job; you own it.(You never know what will happen with the job market these days) It’s designed specifically for funeral and burial costs That means no gaps in coverage and no surprises for your family. If your only life insurance is through your job, and you’re no longer working, it may be time to look at other options, because after all, with everything going on in this world, you never know. 👉 Fill out the short form below to see if final expense coverage may be a good fit for you. REQUEST YOUR FREE QUOTE

  What Is Final Expense Insurance and Why So Many Seniors Are Choosing It? If you’ve ever worried about how your family would cover funeral costs or outstanding bills after you’re gone, you’re not alone. Many seniors want a simple way to plan ahead — and that’s where final expense insurance comes in. Let’s sit down over a cup of coffee and talk about what it is, who it’s for, and why so many seniors are choosing it. What Is Final Expense Insurance? If you're unsure what a final expense is, I'll explain it in detail.  Final expense insurance is a type of life insurance designed to cover funeral, burial, and other end-of-life costs . It’s simpler than traditional life insurance and often easier for seniors to qualify for. Typical coverage includes: Funeral or memorial services Burial or cremation costs Medical bills or small debts Giving your family financial peace of mind Most policies are whole life insurance , which means: Coverage lasts your entire life P...

WHAT IS GUARANTEED LIFE INSURANCE? What exactly is guaranteed life insurance? It's a term that's popping up all over the place, but what does it really entail? You might be surprised, or perhaps you're already in the know. Regardless, I'm here to break it down for you. Check out the video and don’t forget to explore the description box for details on how to begin your journey.   Guaranteed life insurance is a type of final expense policy many seniors choose when traditional life insurance is hard to qualify for. It typically doesn’t require a medical exam, and many people find it easier to qualify for, even with health challenges. This type of coverage is designed to help cover funeral and burial costs, outstanding debts, and give your loved ones financial peace of mind. Many people choose this option because it’s simple and often more affordable than larger permanent life policies.  Want help finding the right plan for your situation? REQUEST YOUR FREE QUOTE

Life Insurance Isn’t Just for Death: How Final Expense Can Help While You’re Living When people hear final expense insurance , they usually think it’s only for funeral costs after they’re gone. And yes — it does help cover burial and funeral expenses. But what many people don’t realize is that final expense insurance can still provide value while you’re alive , especially during retirement years when income is fixed, and unexpected costs can cause stress. Let’s talk about how it really works.   The Real Problem Many Families Face For many adults over 50, the concern isn’t just passing away — it’s not wanting to be a burden . Fixed income Rising medical costs No savings set aside for final expenses Adult children are already struggling financially Final expense insurance was designed to solve this exact problem:  affordable coverage with simple approval , meant to bring peace of mind now, not worry later. How Final Expense Insurance Helps While You’re Alive ...