All Posts By Matthew Ketter

Life Insurance for Seniors with Diabetes: What You Need to Know

If you’re a senior living with diabetes, finding the right life insurance can feel like a challenge. Final expense life insurance is a special type of coverage designed to help your family pay for funeral costs and other end-of-life expenses, typically ranging from $5,000 to $50,000. It’s different from traditional life insurance because it focuses…
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The Hidden Costs of Dying Without Life Insurance

The median cost of a funeral with viewing and burial ranges from $8,000 to $10,000, while cremation services average around $6,000.[1] These substantial expenses often arrive at the worst possible moment for grieving families. However, funeral costs are just the beginning of the financial burden that can accompany the death of a loved one without…
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Myth Series: Cancer and Life Insurance: What You Need to Know

Cancer is one of the most misunderstood medical conditions when it comes to final expense life insurance. Many people assume that a cancer diagnosis automatically disqualifies them from obtaining coverage, but that’s far from the truth. While a history of cancer may influence the type of final expense policy you qualify for, there are still…
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Myth Series: You Can’t Get Life Insurance If You Have a Chronic Illness

Many people believe that having a chronic illness automatically disqualifies them from obtaining life insurance. This common misconception can make the search for coverage feel overwhelming or even futile. However, the truth is that having a chronic illness doesn’t mean you have to forgo the financial security your loved ones deserve. Let’s explore why this…
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Enhancing Your Final Expense Life Insurance with Living Benefit Riders

Final expense life insurance is primarily designed to cover end-of-life costs such as funeral expenses, medical bills, and outstanding debts. But did you know you can expand its benefits to support you while you’re still alive? By adding living benefit riders to your policy, you can access your coverage when facing major life challenges, providing…
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Securing Your Child’s Financial Future: Understanding Life Insurance for Children

Every parent dreams of providing their children with the best possible start in life. While traditional gifts and savings accounts play important roles in financial planning, there’s another powerful tool that many families overlook: child life insurance. This unique financial product offers both immediate protection and long-term benefits that can provide lasting value throughout your…
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Term vs. Permanent Life Insurance: Understanding Your Options

Term vs. Permanent Life Insurance: Understanding Your Options When it comes to securing your family’s financial future, life insurance is a critical component of a comprehensive financial plan. Whether you’re just starting a family, buying a home, or planning for retirement, choosing the right life insurance policy can provide peace of mind and financial stability…
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Myth Series: Only Burial Costs Are Covered

More Than Just Burial Costs: The Truth About Final Expense Insurance When it comes to final expense life insurance, it’s easy to get confused by myths and misunderstandings. One of the biggest misconceptions is that it only covers burial costs. While the name might make you think it’s all about funerals, the reality is that…
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Myth Series: Final Expense Life Insurance is Only for People in Poor Health

Myth: Final Expense Life Insurance is Only for People in Poor Health If you’re a senior considering your life insurance options, you might have come across “final expense life insurance.” It’s a policy that’s designed to help cover end-of-life costs, like funeral expenses, medical bills, or other final expenses. However, there’s a common misconception that…
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Why You Should Factor Inflation into Your Life Insurance Coverage

When determining how much life insurance coverage you need, most people focus on current expenses like mortgages, education costs, or income replacement. However, one crucial factor often overlooked is inflation. The Impact of Inflation Inflation causes the cost of living to rise over time, which can dramatically affect your family’s future financial needs. While $100,000…
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