by Alan Benedict
I had the pleasure of obtaining a final expense plan several years ago for Petelo Alailetaleula, a Samoan immigrant who had an interesting story about his culture.
Petelo was a charming, gentle giant, standing 6�1� and weighing 379 pounds, and he preferred people call him Peter. When I knocked on his door (final expense sales are most effective when you visit people instead of calling them on the phone), he was 62 years old, with high blood pressure and type 2 diabetes. He was concerned about his health and whether he could buy a simple, inexpensive life insurance plan. I assured him that with liberal underwriting, no medical exam and no home office specimen, he would get approved for a small final expense policy ranging from $3,000 to $25,000.
With his limited budget, we agreed that $10,000 would be sufficient. He had life insurance for funeral costs from his trade union, but his wish was, as is with many foreign nationals, to return to the country where he was born for his final resting place. Peter knew from previous Samoan passings in his Los Angeles community that shipping the body is extremely expensive, and he didn�t want to burden his family, friends and church members with these expenses.
Charges for transporting human remains (or HR in airline terms) are based on destination, the number of transfers required and different airlines needed, as well as the combined weight of the casket, body and air tray. It�s not uncommon to see international charges from the airlines ringing up at about $6,000.
Final expense policies can often solve the problems posed by these transport charges, and not just for Samoans.
My client and my friend, Peter died just three years after I placed his protection plan, but I�m glad to share that he�s back in Samoa, his homeland. His wishes were honored. Thanks to final expense, he had his final flight.
Are you an immigrant in the U.S and is thinking of Final Expense Insurance?
Call us for a free quote 813-964-7100 or fill the quote: http://www.mintcofinancial.com/quotes/final-expense-life-insurance-quote/
We will be glad to assist you.
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