Past Events from April 11, 2023 – March 6, 2023 › Ancillary Product Training › – Western Asset Protection
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  • Master the Art of Short-Term Care Conversations: Engage and Better Protect Seniors

    Register Here >   Join us for a dynamic webinar designed to equip you with practical strategies to spark meaningful conversations about Short-Term Care (STC)—a critical solution for seniors, with 70% needing it yet less than 30% having discussed it. Whether you’re new to the senior market or sharpening your skills, this session focuses on

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4550 E. Bell Road
Building 4, Suite 136
Phoenix, AZ 85032
Office hours: 9:00 AM - 4:30 PM, M - F

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We do not offer every plan available in your area. Currently, we represent 37 organizations that offer 1,855 products nationally.  Please contact Medicare.gov, 1‐800‐ MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Final expense life insurance can be used by the beneficiary designated as needed rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

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