The following links will take you to our partner, Wellabe.
You usually don’t grasp how expensive and overwhelming it can be to plan a funeral until you lose a loved one. That’s when you face questions like, “What were my loved one’s wishes?” and “How am I going to pay the funeral expenses?”
We’re here to help you answer those questions, not only to minimize tough decisions for your family but also to alleviate their financial burden.
Wellabe’s Preneed plans not only help you fund a funeral, but they also help you make your final wishes known. You tell your story the way you want and leave no expenses for the ones you leave behind.
Preneed Funeral insurance funds a funeral service agreement between you and a specific funeral home. You decide every element you want included in your funeral service, which includes everything from the casket to flowers to transportation for the family. The funeral home director totals the costs, and that amount is the basis for your Preneed insurance plan.
Over time, inflation will cause funeral costs to increase. But a funeral contract combined with a Preneed insurance plan can offset inflation for the services you include in your policy — essentially “locking in” the cost at today’s rate. You can either pay the amount in one installment or through monthly premiums. Upon death, the funds are used to pay the funeral home for your funeral.
Preplanning a funeral also allows you time to understand the process and make clear choices that are right for you and your loved ones. You can decide if you want a burial or cremation, select a casket or urn, and even prearrange incidentals at the ceremony.
Best of all, advance funeral planning makes the entire process easier for your family. Your wishes are spelled out clearly, so it eliminates all the guesswork. They won’t need to wonder what kind of service you wanted or whether you desired a burial vs. cremation. Every detail will be outlined in advance, so they won’t be overwhelmed with choices while grieving.
Wellabe’s Preneed insurance plans are specifically designed to keep pace with an ever-changing funeral market. Your premiums will never be increased, and your policy will never be discontinued as long as the premiums are paid on time. Your health may dictate which plan you qualify for, but you won’t be denied a policy based upon poor health.
The Voyage plan is designed so you’ll never pay more in premiums than what gets returned in the death benefit. It can be paid in a single payment, one-year plan,1 or through multi-year payment plans based on age. Two simple health questions qualify you for first-day coverage; otherwise, a graded death benefit is available. (Please scroll down to the FAQ section for a definition of graded death benefit.)
The Course plan is designed to provide a favorable growth rate on the dollar amount of the policy. Its premiums are slightly lower than the Voyage product. It also can be paid in a single payment, one-year plan,2 or through multi-year payment plans based on age. Two simple health questions qualify you for first-day or immediate full coverage; otherwise, a graded death benefit is available.
The Destination plan is a single-payment annuity designed for a funeral service that is only weeks or months away. Health questions are not required. The death benefit is whichever is greater — the premium paid or the cash value.
40K+
Insured people
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Answer each question with as much detail and accuracy as possible. And be sure to have the following information handy:
If you’re asked to answer any follow-up questions, be sure to take care of these requests as soon as possible. The policy underwriting process will be delayed until these steps get completed.
Please note that all prices quoted are subject to change, including due to underwriting. Products and their features may not be available in all states. To help avoid requiring a medical exam, applications ask certain health and lifestyle questions.
