What is the difference between life insurance and pre-need?

Life insurance is for the living. Life insurance seeks to give a degree of coverage and peace of mind for survivors of the insured. Life insurance is perpetual, which means as long as you are alive you will continue to pay.

Pre-need truly addresses the need to be laid to rest. You can set and lock in your desires on how you would like your life to be celebrated. Pre-need includes the choice of cremation or burial, casket, flowers, hearse, mortuary, embalming and more. The purpose of pre-need is to create peace knowing that all of your wishes are accounted for. Most importantly, pre-need can be paid off.

What happens to my policy if I decide to move out of state?

Pre-need is completely transferrable, it goes where ever you go. NO additional cost. The process is simple, all you would need to do is contact your agent for a change of location.

What if I am on a fixed income?

FEP Consultants is a company - Where No Detail Is Too Small. We can construct a policy that will not adversely affect you. You dictate to us what you want, we work for you.

What happens if I pass away before my policy is paid off?

If you pass away due to natural causes or an accident the company pays off the balance as if you paid it off full term.

Is there a penalty for paying my pre-need policy off early?

Great news! There is NO penalty for paying your pre-need off early. Once it is paid off you will not have to worry about making another payment.