No One Likes To Be Caught Off Guard
And having final expense insurance means that your loved ones are taken care of and can focus on what matters most.
Here at Spencer Life Insurance, we ensure you get the most affordable option that fits your unique needs
When a loved one passes away, the focus should be on celebrating their life and the process of grieving.
An unexpected financial burden overshadows this.
Having final expense insurance means that your loved ones are taken care of and can focus on what matters most. Why? Because final expense coverage provides a guaranteed lump-sum payment with the flexibility to cover the varying cost associated with one’s death.
We often think of funeral or cremation expenses when someone dies, but did you know there are other costs?
The medical costs associated with dying in Utah average $13,470, and funeral expenses are approximately $7,536. That’s an average of $21,005 and is forecasted to increase.
How does it work?
Book an Appointment
Schedule a meeting with one of our experts here at Spencer Life Insurance. We work for you as an independent agent, not a specific insurance carrier. That means we can search through numerous plans from several carriers to ensure you get the most affordable option that fits your unique needs.
It doesn’t take long, and all we need is some basic health information to get you the coverage you need. Again we are independent agencies so we are able to search through numerous carries to make sure you get the most affordable option
Live Your Life
After you are covered you can go back and enjoy the most important things in life, such as your family.
Who we are
I graduated from BYU-Idaho in 2012 with a bachelor’s degree in Therapeutic Recreation. While there, I learned how to serve people with extreme physical and mental health challenges to help improve their quality of life. Since joining the insurance world, I have used that knowledge and skillset to serve my clients at a higher level.
Too many good people are underserved and denied coverage as they wrestle with physical and mental challenges today. Because of this, I am passionate about finding the coverage you need to protect your family, as well as continuing to serve you long afterward.
I understand the importance of protecting one’s family because I have my own. My wife Sarah and I are the proud parents of three energetic children, with one on the way. There isn’t anything I wouldn’t do to keep them safe, and I look forward to helping you do the same.”
Why do I need final expense insurance?
Why not just call the insurance company directly instead of working with you as a broker?
Can’t my kids deal with this and bury me in the backyard?
The truth is that 90% of the time, the burden falls on one person, and that is one of your children. Life is tough enough without this being thrown into your kid’s lap, and it just makes sense to keep this off of their plate by removing the financial burden.
What if insurance companies have already denied me coverage due to poor health?
What if I have a terminal illness?
I’m super healthy and don’t need insurance!
What if I’m on a fixed income?
I often work with good people on a fixed income, so I know how to help you get coverage that counts. I’m not interested in stretching you because I know you’re on a budget.