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Life Insurance & Retirement Planning Decisions

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Final expense insurance is designed to cover the bills that your loved ones will face after your death. These costs can include medical bills and funeral expenses.  Even bare-bones funerals can cost thousands of dollars. The Final Expense policy rates shown here are generally for people of average health that don't have any pressing health issues or a near term history of health issues. These are fully underwritten low cost permanent life policies designed to provide you with the best rates available. It takes a little longer to get these policies issued but you can save a great deal of money by taking the time to get the best rates. If you have health issues that you believe may be a hindrance to getting life insurance it would be best to give me a call to see if we can still help. 


Rates based on Age Nearest Birthday:

Sample Standard Rates for a permanent Guaranteed Premium & Guaranteed Death benefit policy From an A+ Rated company for ages 60 to 65 using your age, based on your closest birthday. If you are less than 6 months away from your next birth then your insurance age is your age based on your next birthday.  Policy is available for ages 0 (newborn) to 85. The minimum amount of coverage required for this policy is $25,000 which is illustrated. Policy rates are fairly directly proportional. If you wanted twice as much coverage the premiums would be about double the numbers illustrated. Click on your age to view the illustration.

MALE 60   FEMALE 60  

MALE 61   FEMALE 61 

MALE 62   FEMALE 62 

MALE 63   FEMALE 63 

MALE 64   FEMALE 64 

MALE 65   FEMALE 65 

Contact Louis G. LaBash at 1-855-537-7477 or complete & submit the form below

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The Application Process

  1. Initial Telephone Conversation with your agent, Louis G. LaBash to determine the amount of coverage you require and to answer any questions you may have.
  2. A Telephone appointment is set up to take your application over the telephone.
  3. No payment is required to apply.
  4. An MVR (motor vehicle records report) is run by the insurance company.
  5. A Paramed examination will be scheduled to come to your home or office to get a Blood Sample, Urine Sample,  measurements of your height and weight and also complete a medical information history form. There is no charge to you for the examination or the tests that are run. (you can request the results to share with your Doctor) 
  6. Depending on the information gathered during the paramed exam and the test results, an APS (attending physician's statement) may be requested from your Doctor or Doctors.
  7. About 3 to 4 days after all of the information is gathered and submitted to the Underwriter an underwriting decision or offer will be made. 
  8. Generally the whole process takes about 30 days from beginning to end.
  9. The Time it takes to receive the information from your Doctors is usually the main time constraint that we run into. 
  10. After the offer is made and you accept it, the policy will be mailed to you for along with a request for your signature on delivery document that wil need to be returned along the first payment.
  11. You can pay for your policy on a monthly, quarterly, semiannual, or annual basis. The monthly payment is required to be done via an EFT (electronic funds transfer) from your checking or savings account) all of the other payment option can be done through EFT or Direct Bill.