PLAN WITH JENISE™

Final Expense Plans

My goal is to help you select the plan that fits your needs, your health, and your budget — while protecting your family from rising funeral and burial costs.

Full Benefit Plan

  • Covers ages 0–85
  • No medical exam required
  • Benefits available immediately (no waiting period)
  • Available from $1,000 up to $35,000
  • Rates never increase. Benefits never decrease.
  • Most health conditions accepted

Modified Benefit Plan

  • For applicants with certain health conditions
  • No medical exam required
  • Benefits phased in over the first two years

Age 0–49:

  • Year 1: Return of premium (ROP) + 10%
  • Year 2: 50% of full benefit
  • Year 3+: 100% full benefit

Age 50–85:

  • Year 1: ROP + 10%
  • Year 2: ROP + 20%
  • Year 3+: 100% full benefit

Additional Benefits

Accidental Death & Dismemberment (AD&D)

Provides an additional benefit if the insured passes away due to a qualifying accident.

Child Rider

Affordable protection available for dependent children, with coverage lasting into adulthood.

Terminal Illness Rider

Allows you to access a portion of your benefit if diagnosed with a terminal illness.

Family Support Services

Your loved ones receive full funeral planning assistance through the Funeral Consumer Guardian Society (FCGS). They advocate for your family, help compare prices, and ensure your wishes are followed.