What would your family owe next month?
A funeral runs eight to twelve thousand dollars, and it is due long before an estate settles. Final expense insurance is a small whole life policy built to cover exactly that — and it pays your beneficiary directly, in cash, within days.
Licensed in Alabama, California, Michigan and North Carolina.
- Quotes from several A-rated carriers, side by side
- No medical exam or blood work on most policies
- Coverage that never expires and a rate locked for life
- Your information is never sold to other agents or lead buyers
Call or text. If Kenni is with a client, she will call you back.
Kenni Bassage.
Owner of Bassage Insurance & Financial Services and a licensed insurance producer in Alabama, California, Michigan and North Carolina. Independent, which means the recommendation follows your health and your budget instead of one company's product shelf.
You should understand every page you sign.
One conversation, real numbers from several carriers, and a plain explanation of what each policy does and does not cover. If none of them are right for you, she will say so.
Before you fill anything out.
What does final expense insurance actually cover?
It is a whole life policy, usually between $2,000 and $40,000, built to cover what your family owes after you pass: the funeral home, the cremation or burial, the headstone, the last medical bills, and whatever else lands on their kitchen table that month. The money goes straight to the person you name and they can spend it on anything.
What is indexed universal life, in plain terms?
It is permanent life insurance with a savings side. Part of your premium goes into a cash value account that earns interest based on a market index, with a floor so the account does not lose money in a down year. You can borrow against that cash value later, and the death benefit is paid to your family either way.
Can I roll over an old 401(k) into an annuity?
Usually yes, and when it is done as a direct rollover there is no tax bill on the move. An annuity turns that balance into payments you cannot outlive. Whether it is the right move depends on your age, your other income and how soon you need the money, which is exactly what the first call is for.
Do I need a medical exam?
For most of what we write, no. There is no exam and no blood work — you answer a short set of health questions and many people find out the same day whether they are approved.
Do we have to meet in person?
No. Kenni is licensed in four states and nearly everything is handled by phone, video and e-signature, usually in a single appointment. You can pick a time that suits you on her calendar or just call.