The high cost of settling an estate, which can include hospital and doctor bills, outstanding credit, and funeral and cemetery expenses, continues to increase. According to the Funeral Directors of America, the average cost of an adult funeral is more than $7,300 while the average cost of cremation can easily exceed $3,000. Social Security may pay $255, to those who qualify, for funeral and other expenses, but most families are responsible for the unpaid balance.

As a result, many Americans find themselves without adequate financial resources at a time when it is needed most. Your have worked hard to provide your family with all of life's necessities. Shouldn't you also have protection that will provide peace of mind for your loved ones when it comes to final expenses?

UCT's Final Expense Plan is specially designed for this purpose. The plan offers a level death benefit with fixed premiums and uses a simplified application process that does not normally require any medical examination. Health questions are required, however, and issuance of the policy may depend upon evidence of insurability. Issue ages are 18-80 years old with a minimum issue amount of $3,000 and a maximum of $15,000.

The plan offers you coverage that combines comfort and convenience with benefits that can never be reduced or cancelled as long as premiums are paid on time, guaranteed cash values, policy loans, and the ability to change the beneficiary at any time.

UCT's Final Expense Plan has been approved in the following states: Arizona, Arkansas, Connecticut, District of Columbia, Iowa, Kansas, Michigan, Missouri, Mississippi, North Carolina, North Dakota, Nebraska, New Hampshire, Nevada, Ohio, Oklahoma, Rhode Island, South Dakota, Tennessee, Vermont, West Virginia, and Wyoming.

In Georgia this product is approved as a Whole Life policy only.

Policy: WL-92