STATE APPROVED, WHOLE LIFE INSURANCE PROGRAMS FOR SENIORS YOUR 2021 GUIDE TO... A helpful guide on replacing uncertainty with certainty by protecting your family...when they need it the most. Report Created by Sandringham Financial Group LLC Sandringham Financial Group Page 02 WHO WE ARE: Over 20 Years Experience Helping Families Just Like Yours... MARYLAND AUTHORIZED INSURANCE LICENSE #3001167620 Sandringham Financial Group is an independent Senior Benefits Group founded by father & son team Mitchell & Greg Pfeffer. We DO NOT work for any specific insurance company. We are a team of state licensed agents and field underwriters that are authorized by the state to assist families in qualifying for benefits with the highest rated, lowest priced and most preferred insurance providers to best serve you, and your family. SOME OF THE STATE AUTHORIZED CARRIERS WE REPRESENT... Sandringham Financial Group Page 03 Sandringham Financial Group Page 04 WHAT COSTS DO FAMILIES NEED TO CONSIDER WHEN THINKING ABOUT LIFE INSURANCE? WHY PEOPLE REACH OUT TO US TO HELP THEM QUALIFY... Four Primary Reasons Recent Health Scare or Loss of Loved One, (Especially with COVID- 19) No Current Coverage or Financial Savings Not Enough Current Coverage Concerns About Loss of Household Income Funeral or Cremation Fees Medical Bills Utility Bills Mortgage/Rent Payments Credit Cards/Loans Car Payments Outstanding Debts Death Certificate Obituary Notices Probate Costs Legal/Attorney Fees Forwarding and or Receiving the Deceased List Goes On & On...... Sandringham Financial Group Page 05 WHY YOU NEED "WHOLE LIFE" FINAL EXPENSE INSURANCE DID YOU KNOW?..... Social Security pays only $255 as a lump sum death benefit and only to qualified dependents. The Veteran’s Administration final expense benefits, if you qualify, is only $300. Your household Social Security income can be cut by as much as 50% with the death of a spouse. Funerals are one of the most expensive purchases you will ever make. The average funeral costs between $10,000 and $15,000 with most falling on average of $12,000 (including cemetery costs). This, of course, doesn’t include final medical or legal expenses, or other debts left unpaid. Even if you had a current life insurance, through your job or bought independently..if it's a "Term Insurance" product, that policy WILL NOT pay out once you reach the age of 75. Sandringham Financial Group Page 06 HOW WOULD YOUR LOVED ONES PAY FOR THESE FINAL EXPENSES? Why You Need Coverage.... Example Funeral Cost Breakdown: Basic service fee of funeral director and staff..........$1,595 Transfer of remains.....................................................$275 Embalming and sanitation.........................................$775 Dressing, cosmetology, and casketing......................$350 Use of facilities at funeral home................................$520 Visitation and viewing................................................$445 Hearse...........................................................................$275 Service car/van............................................................$125 Acknowledgment cards..............................................$125 Flowers..........................................................................$600 Casket(steel: velvet interior)......................................$2,295 Cemetery property-plot or mausoleum.........$500-$2,100 Grave opening and closing..............................$225-$1,000 Marker(Bronze)................................................$450+ Monument(Stone)............................................$1,800 Vault...................................................................$400-$10k Total Burial Cost: Between $10,000-$15,000+ Sandringham Financial Group Page 07 THE ADVANTAGE IN STATE-APPROVED WHOLE LIFE POLICIES The Benefits of Working with Us.... We have discovered that the majority of the clients we serve currently have the wrong type of insurance or are paying entirely too much for their coverage. The plans we help folks qualify for all feature... PERMANENT COVERAGE that protects you your whole life - unlike Term Insurance that only covers you up until 75 years old Your monthly premium will NEVER increase, what you pay today is what you will pay when you are 100+ years old. Your benefits will NEVER decrease - your family will be paid out 100% of your policy amount, no matter if you pass away after 1 day of owning the policy, or if you live until 110 years old - your family still gets to keep the entirety of your policy's face value. You're PROTECTED FROM DAY 1 - You are covered for your full policy amount from the very first day your policy is in effect. The policy NEVER EXPIRES or cancels because of age or health changes (as long as premiums are paid). BUILDS CASH VALUE OVER TIME NO PHYSICAL EXAM REQUIRED - Just answer a few health questions. Benefits pay out within a few business days of claim approval. 1. 2. 3. 4. 5. 6. 7. 8. Sandringham Financial Group Page 08 HOW DO I GET STARTED & SEE WHAT I CAN QUALIFY FOR? We can get you & your family taken care of all within 1 business day... The Final Expense Insurance Qualification Process: Speak to an authorized representative who will ask you a few health & background questions and schedule a time for you to speak to your assigned Field Underwriter. Before your phone appointment, the licensed Field Underwriter will review your questionnaire and research which policies and carriers would offer your family the most amount of coverage for the least amount possible. During your phone appointment, the Field Underwriter will review your options for coverage, and if you qualify, provide you with a quote as to how much your monthly premium would be, if you were approved for coverage. If you'd like to apply for coverage, your Field Underwriter would be able to apply for you during your appointment, so that by the end of your call you will know which programs, if any, you have been approved for. After you've been approved for coverage, all necessary policy documents will be mailed to you within 2-3 business days, and SFG will be your primary contact if you ever need to make changes to your policy, add coverage etc. 1. 2. 3. 4. 5. Sandringham Financial Group Page 08 Finally, it's time to have peace of mind knowing your family is taken care of. Thank you for your time, and we look forward to introducing our family to yours. Best, Mitchell & Greg Pfeffer