There is one topic that most people are too scared to discuss. Unfortunately or fortunately, depends on how you look at it, death is an unavoidable fact of life. What that means is that everyone eventually will die and therefore it is never too late to start planning for funeral arrangements. That is where Lincoln Heritage comes very handy.
Dulce Guerrero is a licensed consultant with Lincoln Heritage. But she is not just any consultant, she is the one who understands perfectly how hard and difficult it can be for those who are left behind after the death of the loved one. Ms. Guerrero, originally from Durango, Durango, Mexico first heard of Lincoln Heritage herself a few months after her stepfather’s brother passed away. At that time she lived with her family in Chicago and she saw that her uncle’s family did not have anything saved for the final arrangements. It was a difficult time for the whole family. Since there was not enough money to cover all the expenses her uncle’s children had to resort to asking for donations from neighbors, friends, relatives and church members. Ms. Guerrero explained that she tried to help as well, unfortunately it was too late. After watching people close to her go through such a difficult time and when she first heard of Lincoln Heritage, she realized that this is a good way to plan for the unavoidable.
“I thought it was a very good program because I do not want to be worried about my parents later, so we bought it for them,” Ms. Guerrero explained. “I know they are healthy and they try to exercise everyday and maintain good diet, but anything can happen to even to the healthiest people.”
The sad experience Ms. Guerrero had, influenced her decision to work with Lincoln Heritage. She understands well her community and her ability to speak Spanish fluently is a huge plus when dealing with Latinos.
“I thought this program will help Hispanic community to understand that we save and spend a lot of money on Quinceañeras, weddings, baptisms and presentations, but, why are we scared to save for something that will give us peace and will allow us to be prepared for the last wishes of our loved ones,” she explained.
According to Ms. Guerrero, Lincoln Heritage offers something called The Funeral Advantage Program with two important benefits. One of the benefits is The Cash Insurance Benefit. To qualify for this, one has to fill out the required paperwork, this, conveniently, consists of only one page. There is no need for medical exam, but the company will ask basic questions about medical condition of the applicant (for example if the applicant has high blood pressure or diabetes). Anybody between 0 to 85 years old can qualify and once the claim is approved the cash benefits will be paid within 24 hours. If premiums are paid, rate and benefits for this benefit are locked in for life of the policy.
Another benefit The Funeral Advantage Program, according to Ms. Guerrero, is the fact that Lincoln Heritage works closely with Funeral Consumer Guardian Society (FCGS) and with the help of this organization Lincoln Heritage offers something called Family Support Services to their policy holders. This means that in the event of the death of the Funeral Advantage member FCGS starts working with the surviving family. They help with arrangements, look for the best prices by comparing prices among three different funeral homes, and they let policyholders decide on the style of funeral they wish.
Not many people can openly and easily talk about their death. This topic is very difficult to even bring up for discussion, but no human being can escape death. Since many people do not wish to burden their family after they pass away, Funeral Advantage Program form Lincoln Heritage is a wonderful way to get things organized, so the family members left behind can grieve peacefully and without worries of how everything is going to get paid.
For more information please, call Dulce Guerrero a licensed consultant from Lincoln Heritage at (309) 371-3670 or send her an e-mail to [email protected]
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