Preneed Products

One of the most thoughtful, final gifts you can give the people you love is a chance to celebrate you and the life you lived. Remembering the difference a loved one made in our lives can be an important step in the journey toward healing. By pre-arranging, you have the opportunity to make careful choices, relieve your family of financial burdens and have peace of mind that your wishes will be carried out exactly the way you would like.

With products and payment plans suitable for any family, more and more families are choosing American Benefit Life Insurance Company.

How to Pre-Arrange Your Funeral

Pre-Arrangement is a convenient, thoughtful process. A caring professional will be able to guide you through the process. You determine the kind of service that is best. Do you prefer burial or cremation? Church service or memorial tribute? Traditional or contemporary? You also decide the content, location, vehicles, role of family and clergy and musical program. Then you select a casket or urn, burial vault, flowers and other merchandise complementing the choice of service you have made.

As part of this process, the service details and other vital information is recorded and provided to both you and the funeral home. Please be sure to place this information in a safe place and let someone else know so it can be retrieved whenever needed.

Once you have completed the planning process then you can easily apply for an affordable payment plan funded by an American Benefit Life insurance policy or dollar for dollar plans. Don’t worry – we have payment plans to meet every need.

And…the cost of your services is frozen – you are protected against future inflation or increased pricing.

That’s it. In a matter of a few minutes you can have peace of mind knowing you have made the right decision for yourself and your family.

The following coverages are based upon health questions answered by the applicant and are applicable once a policy is issued and delivered.

Full Benefit Life Insurance – Covers 100% of the cost of the pre-arranged funeral. For applicants in good to excellent health.

Graded Benefit Life Insurance – In the first 12 months covers 40% of the full amount of the cost of the funeral. In months 12 to 24, covers 75% of the cost of the funeral. After 24 months, covers 100% of the cost of the funeral. For applicants in average to below-average health.

Monthly Increasing Benefit Life Insurance- Health Questions – Increases in coverage with each payment made until the payment plan is completed. For applicants in average to below-average health that want a lower cost payment plan.

Monthly Increasing Benefit Life Insurance- NO Health Questions – Increases in coverage with each payment made until the payment plan is completed. There are no health questions with this product – everyone qualifies.

Individual Flexible Premium Deferred Annuity – This product is a dollar for dollar product and does not lapse for lack of payment. There are no health questions with this product – everyone qualifies.