WELCOME TO THE HOME OF
AFFORDABLE LIFE INSURANCE!
Lifeguard Insurance Services has been serving seniors since 1994.
We are nationally recognized brokers who make carriers compete for your business.
Let’s Talk!
About Us
Security National Life is a market leader in end of life insurance products and services, We are a publicly traded company with over 1 billion dollars in assets. We are in the business of helping funeral homes and the families they serve since 1955.
The average funeral costs between,.. $8,OOO to $1O,OOO
Are you prepared? Final expense insurance provides you and your family with a cash burial program of permanent life insurance.
What We Do
Since 2009, we have serviced seniors on fixed budgets who and seek an affordable way to pay for final expenses and avoid being a family burden. As independent brokers, we scour nationwide carriers and get the lowest prices for pre-need and life insurance protection up to $50K. No pressure or hassles, just great savings and caring service.
Why Lifeguard Insurance Services is Your Agent For Life!
At Lifeguard Insurance Services we believe communication is key to providing the best protection for your family and your lifestyle. We make it a point to meet one-on-one with clients to establish trust and a connection that lasts a lifetime. Since clients have a lot on their plate these days, and no time for language they don’t understand, we speak in clear, simple terms. As a result, clients are better equipped to make smart decisions about their goals and discover proven solutions to help get them there.
ABOUT KAL REECE
Kal Reece is the owner of Lifeguard Insurance Services, an independent
agency which has worked with seniors and nationally known, A-rated
insurance carriers for more than two decades.
Having witnessed his share of sickness and death, and the expenses that
come with it, he came to realize many little-known ways to handle
expenses, save money and alleviate grief for both loved ones and clients.
Along the way, Kal has made life-long relationships with senior facilities,
attorneys, health-service advocates, and major insurance carriers. He has
been interviewed by major networks and received the ‘America’s Top
Planner’ designation in 2015.
Kal considers himself, and has been referred to, as a “natural problem-
solver.” His diverse senior clientele relies on him for advice on insurance,
retirement income planning and Medicare planning.
Kal grew up in New York City in the early 1960s. He moved to LA in 1984
and has worked with some of the biggest names in public and private
industries. His father served in Europe during World War 2 and left him
with many lessons he likes to share with family, friends and clients alike.
He thanks his mentors and a higher spirit for nurturing his talent while
helping others prepare for the unexpected.
In his spare time, Kal enjoys traveling, cooking, family, football, old movies
and art collecting.
Frequently Asked Questions
What is Final Expense insurance?
Final Expense insurance is a certain type of permanent life insurance which can cover cremation or burial costs, last-minute hospital co-pays, and other bills.
What are the different types of Final Expense insurance?
The most desirable Final Expense policies are permanent Whole Life policies which have fixed premiums and are designed to last till death.
What are the benefits of owning Final Expense insurance?
People buy Final Expense to save their families from the shock and financial burden of a death.
There are many benefits to owning a policy:
- Premiums are designed for seniors up to age 85, and on fixed incomes
- Your premiums never increase
- Your coverage will never decrease
- Your coverage is permanent (not Term)
- Your plan builds cash-value
- Riders can be included to help pay for certain disabilities while you’re alive
- There is no medical exam
- You cannot be cancelled due to age or sickness
- Your family receives a tax-free benefit, usually 48 hours after your death
- You can get a personal agent to assist with family decisions after you’re gone
Are there any drawbacks to owning a Final Expense policy?
Mainly, you can be cancelled if premiums are not paid. Also, if you don’t research carriers you may end up spending too much for the same amount of coverage.
How much does a policy cost?
Policies can be as low as $15/mo. The premium is based on age, health and coverage amount. There are many carriers, and some are more expensive for the same amount of coverage. It pays to use an experienced broker.
Could I do this myself?
Yes. However, if you’re not aware of all of the carriers out there, and how their policies work, you can spend lots of time and lots of extra money. Best to use an experienced broker.
How do you get paid?
We are brokers who spend time asking the right questions and finding our clients the lowest national premiums from several carriers. The carriers pay us a fee, but the service is of no cost to clients.
How do I know which company to buy my policy from?
You’ll want to work with only highly-rated carriers.
Carriers must have an established rating, with an A-rating being best in terms of assets and claims-paying ability.
A lower-rated carrier may have a more attractive cost, but may not be there or make excuses when it comes time to pay a death benefit.
How much coverage should I get?
We recommend getting enough coverage to pay for your local cremation or burial costs, and factor in an amount of money you’d like to leave a family member.
I’ve had some health issues. Will I qualify for coverage?
Yes. Different carriers will allow for certain illnesses when others will not. We specialize in getting you coverage from carriers who will accept your condition while still offering you affordable coverage.
I have a low, fixed budget.
No problem. We understand. Most Final Expense policies are designed for seniors on fixed incomes. No matter the budget, we can find coverage for you.
What happens if I die without coverage?
Think about this carefully. Most families will go through two phases upon your death: The Shock/Denial Phase is when they first get the news and it hits hard, making it difficult to make decisions if they were not pre-planned. The Spending Phase is when they may get unpaid medical bills, other bills and of course the unexpected cost of immediate transportation, mortuary, body processing and cremation or funeral/burial costs as they’re trying to process what just happened and what to do next. This is when they overspend due to anxiety, inexperience and guilt.
Remember, the principal reason people own an affordable Final Expense plan, is to avoid being an unnecessary burden to their families. This is where we can help!
Call Kal Now!
Get affordable peace of mind and no BS!