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About BFF Enterprises
BFF Enterprises was founded on the principle of family protection. Providing the precious gift of Burial Insurance to loved ones is one of the most important financial decisions anyone can make. And we're here to make sure it gets done the right way.
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Free Burial Life Insurance Guide - Everything You Need To Know About Burial Life Insurance
Purchasing Life Insurance is one of the most important financial decisions we will ever make. It is the gift we give our loved ones even after we pass, to make sure they are taken care of.
Essentially, what Life Insurance can do is provide family and loved ones with 3 very important things:
1. Enough finances to cover the costs of the memorial service, whether it be a funeral or cremation service.
2. Provide a detailed plan of final wishes of the deceased to avoid confusion.
3. Assist with arrangements and negotiations (restricted to certain Life Insurance Providers)
Let's talk about each individually.
1. Providing The Finances
While honoring loved ones who have passed is a beautiful thing, it can also be very expensive.
The average funeral in America can cost between $8,000-$15,000 or higher.
The average cremation can range between $1,500 all the way up to $6,500.
Unfortunately, many Americans do not have a plan in place to cover these costs when they pass, leaving an enormous financial burden on the family.
This makes an already very unpleasant situation, that much more difficult.
The loss of a loved one causes an immense amount of grief and emotional distress. Placing a large financial burden on top of all that makes things even more unpleasant.
And while some will say that they don't want anything done when they pass, there are still a good number of expenses involved when somebody passes.
Plus, oftentimes the grieving family wants to honor their passed loved one, regardless of any requests not to.
Life Insurance solves this problem by providing the Beneficiary (the person you choose to receive the insurance proceeds) with the necessary funds to fulfill any final wishes and cover the costs of honoring your passing.
2. The Final Wishes
Having your Final Wishes written out in the form of a Will can play a very big role in avoiding any confusion, or worse, potential arguments between grieving loved ones about how to honor the passing.
Many times, people are very unsure about how to proceed and what should be done when a loved one passes.
Should we have a funeral or cremation? What kind of casket should we get? What kind of music should we play? Etc.
These types of questions all result from not having written instructions (via your Will) about what you would like done at your memorial.
This is also how costs can get out of control when making arrangements because everyone is unsure about what to do, so more money is spent than is necessary trying to make everyone happy.
This can all be easily avoided by simply having your Final Wishes written out.
3. Protecting Your Family From Funeral Homes
This final piece of Life Insurance ties into the previous piece about writing out your Final Wishes, but is also only available when your insurance is purchased through a certain provider (details later).
It's called the Funeral Consumer Guardian Society,
which you can learn more about here.
It's sole purpose is to assist family and loved ones with the memorial arrangements from start to finish AND to make sure the family does not get taken advantage of financially.
What I mean by that, is that while most funeral homes operate with integrity, they are also For-Profit businesses and seek to generate the highest amount of revenue possible from every customer.
Unfortunately, that can sometimes mean using the highly emotional state of loved ones to get them to spend FAR more money than is necessary.
The Funeral Consumer Guardian Society protects your family by actually negotiating with multiple funeral homes to ensure the best pricing for everything.
They also make sure the funeral home is not overcharging for items, which has been known to happen quite often.
So in essence, the Funeral Consumer Guardian Society takes the daunting task of arranging a memorial service off the hands of loved ones so they can focus on grieving and support, while also ensuring that the family is not taken advantage of financially.
What's even better is that this service is provided to policyholders at no additional cost! That's right, it's included with your policy.
If you are interested in learning more about this amazing service, click the button below to get a free quote for your Burial Insurance and more information about the FCGS will also be provided.
How Much Does Life Insurance Cost?
The costs for Life Insurance vary depending on a few factors:
1. Age
2. Gender
3. Smoker or Non-Smoker
4. Health and Medications
5. Amount of Insurance
All of these factors will play a role in determining the cost for your Life Insurance.
However, the average we typically see is between $35-$150 per month, depending on how much life insurance you purchase.
With that said, you could also start with the bare minimum to at least lock in rates at your current age and health.
For example, let's say you're currently 55 years old. You know you need Life Insurance but you can't afford $75 per month for it right now but you will in the future.
You could get as much insurance as possible for $15 per month (required minimum) and then increase the amount of insurance later on when you're able to afford it.
Let's say you increase the amount 2 years later when you're 57 and you've also started taking medications for blood pressure or cholesterol.
Because you already locked in your rates and were approved at 55, the additional 2 years of age and the added medications will have ZERO impact on your rates!
Obviously you will pay more for the added amount of insurance. However, the rate for the increased amount of insurance is still based on when you qualified at 55, not 57 and the medications!
This is a great way to begin setting up your Life Insurance plan without breaking the bank if you're on a budget.
Either way though, at the end of the day, it's tough to put a price on the peace of mind knowing that your family is taken care of should anything happen.
Click the button below to request your very own Custom Burial Life Insurance Plan to start protecting your loved ones!
