BECOME A MEMBER
$9.83 PER MONTH
CREMATION
PROTECTOR
Cremation services have tripled over the last five years due to the exuberant cost of traditional burials. A cremation allows you to honor your loved one in the most cost effective manner.
Our cremation protector covers:
- Transportation of the deceased members remains
- Direct cremation of the deceased member
- 2 death certificates
- 1 Urn
Our cremation protector is governed by section 453 of the NYS GBL. Our cremations are handled and performed by licensed funeral service providers. Members must live one year from the date of the original application date.
$19.66 PER MONTH
INCOME
PROTECTOR
Social security only pays a lump-sum death benefit of $255.00 when someone dies if they qualify.
According to a report done by Fox business news; the average cost of a traditional funeral including embalming and a metal casket cost $6,600.
Our income protector is a $10,000 line of credit guaranteed to our members at a 1% interest rate.
Information provided is directly from the social security website SSA.GOV and FOXBUSINESSNEWS.COM The income protector is a $10,000 line of credit guaranteed to our members at a 1% interest rate. The funds are available through a third-party financial institution. The total origination fees for this plan is $1,180.00. The origination fees can be paid in a single payment or paid over 60 months at $19.66. Members must live 90 days from the date that the total cost is paid in full to receive the full line of credit. If the member dies before the origination fees are paid in full or the waiting period has expired; they would receive a full refund of the money paid to date. The benefits recipient has the option of applying for a line of credit if the origination fees were not paid before the passing of a member. They would have to meet the standard requirements outlined in the providers agreement.
The $10,000 line of credit is paid out at $1,000 per month for 10 consecutive months. The income protector is designed to replace the deceased members income while the family transitions back to normal. The full $10,000 line of credit can only be paid out to a funeral home, cemetery or crematory. The benefits recipient is responsible for the repayment of the line of credit.
$19.00 PER MONTH
FUNERAL
PROTECTOR II
The funeral protector II covers the the members casket, flowers, obituaries, prayer cards and cemetery plot. The days of worrying about burying a loved one in the most affordable way possible are over.
Funds and merchandise for the funeral protector II are provided by a third party company and guaranteed to our members. The funeral protector II is a pre-need plan governed by section 453 of the NYS GBL. The plan includes a 20 gauge casket ( any color), flowers (standing spray), 50 programs (obituaries), 50 prayer cards and one single depth cemetery plot. Members ages 0-60 must live one year from the date of the original application to receive the full benefit. Members ages 61 and above must live two years from the date of the original application to receive the full benefit. If the member dies before the waiting period has expired; they would receive a full refund of the money paid plus 10%. If the members beneficiary decides to not use our merchandise, financial institution or cemetery upon the passing of the member; the benefits recipient would receive a refund of the money paid by the original member and they would forfeit the services covered under the plan.
$29.00 PER MONTH
FAMILY
PROTECTOR
A family should never have to deal with the burden of not having enough money to cover funeral cost while dealing with the burden of losing a loved one.
Unlike a traditional plan that covers a single person; our family protector allows you to pay one price, but the plan can be used for any of the four family members named on the plan. Any person named can use this pre-need plan that includes the members casket, flowers, obituaries, prayer cards, cemetery plot and a grave marker. Our family protector is accepted at all funeral homes.
The family protector is a pre-need plan governed by section 453 of the NYS GBL. The plan includes a 20 gauge casket(any color), flowers(one standing spray or one casket spray), obituaries(100 programs), prayer cards(100 cards), one depth cemetery plot and one flat granite grave marker. The benefits cannot be substituted. Members between the ages of 0-60 must live one year from the date of the original application to receive the full benefit. Members between the ages of 61+ must live two years from the date of the original application. If the member(s) dies before the waiting period expires, they would receive a full refund of all funds paid to First advance benefits of America or the provider.
