Funeral/Cremation Plan

There are three types of Funeral - Final Expenses Plans:

Simplified Issue
Guaranteed Issue
Time Pay

FUNERAL/CREMATION PLAN: SIMPLIFIED ISSUE

Coast to Coast Provinces Plans are Exclusive

Our exclusive ' Simplified Issue ' plans are more comprehensive, offer more benefits and provide maximum portability.

There are no medical exams or tests of any kind, and no doctor's visits.

To learn more about Funeral/Cremation Plan receive a personal quote or purchase this plan write to kelapalm@lapalmcentre.ca or call 1-800-723-2853 to speak to one of our friendly and helpful Funeral/Cremation Representatives.

It's that simple! We are here for you!

Simplified Issue Plans include :

Immediate Benefits - guaranteed for life!
Benefits are Tax-Free
Level premiums - benefits will not end because of age
Protection amounts from $1,000 to $25,000 (depending on the Province of residence)
Double Indemnity
Your benefits can never be cancelled
Ages 40 - 85 can apply (depending on Province of residence)
Terminal Illness' Benefit - Living Benefit Advance
Archived Vital Information - important if traveling - provides necessary information for your family

PLUS - Additional Benefits include :

Accidental Death & Dismemberment
Spousal Occupational Training
Home & Vehicle Modification
Special Education
Bereavement Counseling
In-Hospital Confinement
Day Care
Family Transportation
Seat Belt
Identification Card
Critical Illness
Rehabilitation

FUNERAL/CREMATION PLAN: GUARANTEED ISSUE

Our exclusive Guaranteed Issue plans are similar to the ones "advertised on TV!"

However, we provide lower pricing , and many additional benefits.

There are no medical exams or tests of any kind, and no doctor's visits!

To learn more about Funeral/Cremation and Final Expense Plans receive a personal quote or purchase this plan write to kelapalm@lapalmcentre.ca or call 1-800-723-2853 to speak to one of our friendly and helpful Funeral/Cremation Representatives and Final Expense Representatives.

It's that simple! We are here for you!

Guaranteed Issue Plans Include :

Immediate Coverage and Graded Benefits - guaranteed for life!
Benefits are Tax-Free
Level premiums - benefits will not end because of age
Protection amounts from $1,000 to $25,000 (depending on the Province of residence)
Double Indemnity
Your benefits can never be cancelled
Ages 40 - 85 can apply (depending on Province of residence)
Terminal Illness Benefit - Living Benefit Advance
Archived Vital Information - important if traveling - provides necessary information for your family

INCLUDES - Additional Benefits such as :

Accidental Death & Dismemberment
Spousal Occupational Training
Home & Vehicle Modification
Special Education
Bereavement Counseling
In-Hospital Confinement
Day Care
Family Transportation
Seat Belt
Identification Card
Critical Illness
Rehabilitation

FUNERAL/CREMATION PLAN: TIME PAY

Coast to Coast Provinces Plans are Exclusive

Our exclusive Time Pay Life Insurance plans are becoming more and more popular every day. This type of insurance plan is a way of having the best of both worlds with a whole life policy. These plans provide complete flexibility and can be paid in 1, 3, 5,10 or 20 years. The death benefit is guaranteed to stay level or, you have the option of a growth plan. This means that the insurance benefit will increase each and every year - even if you choose to keep it until age 100.

The death benefit is paid out tax-free, and can be paid in one lump sum. With the tax-free lump sum, you can choose to receive a tax-free monthly income (recovery period) for one or more years.

Advantages

You pay for a specified number of years and never have to pay another premium. The policy will remain in force. The death benefit remains level.

There are a few medical questions and usually there are no tests and no doctor's visits!

Many of the plans have a guaranteed growth and your coverage will increase each and every year.

To learn more about Funeral and Final Expense Plans receive a personal quote or purchase this plan write to kelapalm@lapalmcentre.ca or call 1-800-723-2853 to speak to one of our friendly and helpful Time Pay Representatives.

It's that simple! We are here for you!

Policy Riders

You may add certain riders to your policy. For example, you can add the waiver of premium rider . If you should become disabled the insurance company will waive your premiums for as long as you are disabled. You must be disabled for at least six (6) months to qualify for payment with most insurance companies. If and when you return to work - the premium payments would begin again.

Time Pay Plans include:

Immediate Benefits and may have Graded Benefits - guaranteed for life.
Benefits are Tax-Free
Level premiums - Benefits will not end because of age
Protection amounts from $1,000 to $25,000 (depending on your Province of residence)
Can include Double Indemnity
Can not be cancelled
Available to Age 85 (depending on Province of residence)
Terminal Illness - Living Benefit Advance
Archived Vital Information - for your family
Cash values, which accumulate and have Loan Provisions
Many of the plans have a guaranteed growth and your coverage will increase each and every year
Some of the time pay plans can accrue dividends . Dividends are not guaranteed and depend on the performance of the life insurance company
Some time pay plans have a waiver of premium rider and an accidental death benefit rider which can be added to your Time Pay policy

INCLUDES - Additional Benefits such as:

Accidental Death & Dismemberment
Spousal Occupational Training
Home & Vehicle Modification
Special Education
Bereavement Counseling
In-Hospital Confinement
Day Care
Family Transportation
Seat Belt
Identification Card
Critical Illness
Rehabilitation

Coast to Coast Provinces Plan and our Benefit Providers
are Federally Registered and Provincially Licensed