Our Services

Discover solutions designed to protect your health, financial security, and long-term peace of mind. Whether you're planning for retirement, securing final expense coverage, or choosing the right Medicare plan, we offer clear guidance and trusted options tailored to your needs. Because safeguarding your future shouldn’t be confusing—it should be empowering.

Navigating Final

Expense Planning

What Are Final Expenses?

Understand Final Expenses

Final expenses are the costs that come after someone passes away, like:

Funeral or cremation services
Burial or urn costs
Memorial arrangements
Unpaid medical bills or small debts

These costs can quickly add up to $7,000–$15,000 or more.

√ Step 1 Summary: Final expenses are real and often unexpected. Planning ahead takes the burden off your family.

Know What’s Not Covered

Many people believe that Social Security or Medicare will cover funeral costs, but this is not the case.

Social Security offers only a one-time $255 death benefit if eligible
Medicare does not cover burial or funeral expenses
Family members are often left to cover the costs out of pocket

√ Step 2 Summary: Government programs provide minimal assistance. That’s why planning matters.

Explore Your Planning Options

There are simple ways to plan:

Final Expense Plans – set aside money specifically for funeral or medical costs
Prepaid Funeral Arrangements – work directly with a funeral home·
Savings or Trusts – not always protected or easy to access quickly

Final expense solutions are typically easy to qualify for, even with pre-existing health issues, and can cost as little as $20–$50 per month.

√ Step 3 Summary: You have affordable planning options available. Pick what fits your needs and family situation.

Talk With Loved Ones

Discussing these things isn’t easy, but it makes a big difference later. Let your family know:

What your wishes are (burial, cremation, etc.)
If you’ve made arrangements
Where documents or policies are kept

√ Step 4 Summary: Talking about it now saves your family stress and confusion later.

Take Action and Get Peace of Mind

Now that you understand your options:

Review your current coverage (if any)
Speak with a licensed advisor (like Maya or Martina)
Choose a simple plan to protect your family
Keep records in a safe, easy-to-access place

√ Step 5 Summary: Taking action now means your family won’t be left with difficult decisions or unexpected bills.