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BECOME A MEMBER.

ONLY $39.00 (PER YEAR)

FLOOD

PROTECTOR

90% of Home and Business insurance policies exclude flood protection. Flood policies have to be purchased separately. 99% of Home and Business policies exclude flood caused by natural disasters, such as hurricanes and rain storms.

Our Flood Protector covers:

- Water extraction

- Furniture removal

- Trash removal

- Sheet rock removal

- Mold solution

- Property preservation

- Mold remediation

The flood protector plan cost an annual fee of $39.00, and it is a $100.00 deductible per occurrence. The services are provided by licensed and insured contractors and or restoration companies contracted with first advance benefits of America. Mold remediation is only provided for mold that has occurred as a result of the current claim submitted. We will not remedy pre-existing mold issues.

$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.

$9.83 PER MONTH

FUNERAL

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.

Where is this money suppose to come from?

Our funeral protector covers the casket, obituaries, prayer cards, and flowers for our members. The products are forwarded directly to the funeral home of choice. The products can only be sent to a funeral home, or cemetery.

Information provided is directly from the social security website SSA.GOV and FOXBUSINESSNEWS.COM ..... The funeral protector 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), 100 programs (obituaries), 100 prayer cards. If the member opts to be cremated; the funeral protector covers a direct cremation, death certificate, urn, 100 obituaries and 100 prayer cards. The total cost of this plan is $1,180.00. Members ages 0-60 must live one year from the date that the total cost is paid in full to receive the full benefit. Members ages 61 and above must live two years from the date that the total cost has been paid in full 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 or financial institution 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.

$19.00 PER MONTH

FUNERAL

PROTECTOR II

The funeral protector II covers the cost of the members casket, flowers, obituaries, prayer cards, cemetery plot and a flat grave marker. 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), 100 programs (obituaries), 100 prayer cards, one single cemetery plot and a flat granite grave marker. 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.

$9.83 PER MONTH

BUSINESS

PROTECTOR

Our business protector covers the things that your general liability insurance excludes. Our plan covers:

- Equipment repair/replacement

- Window repair/replacement

- Locksmith

- Flood restoration

- Fire restoration

- Pest control

- Snow removal

- Trash removal

- Employee screening

- Air condition installation

- Cleaning service

- Document preparation

- Document shredding

- Property preservation -

- Identity theft restoration

- Succession plans

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