--- title: Have your clients saved money for funeral costs? description: A female, age 65, has $10,000 saved for funeral expenses. We sell her a Non-Medical Life policy that will grow. With her $10,000, the policy starts out with an immediate death benefit of $16,372, which can grow even larger. image: https://www.newhorizonsmktg.com/images/NewsImages/funeral.jpg --- [![](https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/697926babf20ddeb2d4ff972_64c7ba8d78ae605d730bbe060cf878ba_NewHorizons-White-Tag.svg)](https://www.newhorizonsmktg.com/) - [Home Home](https://www.newhorizonsmktg.com/) - Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) - 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We sell her a Non-Medical Life policy that will grow. With her $10,000, the policy starts out with an immediate death benefit of **$16,372**, which can grow even larger. If she changes her mind, she will have the principal back at end of 5 years! ### Commission: **$1,300 - $1,450** Write 1 of these a month and pick up an extra $15,600 - $17,400 in MAD MONEY per year! ### Process: - Write the application - Complete Point of Sale phone interview - They do MIB check, then policy is issued! FAST! **Foresters “Your Legacy”** – Single Premium Participating Whole Life ### Highlights: - Single premium, participating whole life - Issue ages 0-85 - Non-medical underwriting (tobacco, non-tobacco, and juvenile) with POS Decision - Substandard underwriting (tables 5-8) - Available ages 16-80 - Minimum premiums: - ages 0-15 is $1,500 - ages 16-29 is $5,000 - ages 30-85 is $10,000 [Contact Kirk for details!](https://www.newhorizonsmktg.com/team/kirk-sarff) [Life Insurance](https://blog.newhorizonsmktg.com/tag/life-insurance), [Final Expense](https://blog.newhorizonsmktg.com/tag/final-expense) ## Comments ## Read On ### [Case of the Week: Savings but no Long Term Care](https://blog.newhorizonsmktg.com/case-of-the-week-savings-but-no-long-term-care) We recently helped an agent with his client, a 65 year-old female with mild asthma (she takes... ### [Have you offered your current clients a Life Insurance Review?](https://blog.newhorizonsmktg.com/have-you-offered-your-current-clients-a-life-insurance-review) Agent:  “Do you have Life Insurance”? ### [The JH LTC Opportunity Series - Part 1: Meaningful Statistics](https://blog.newhorizonsmktg.com/ltc-opportunity-series-part-1-meaningful-statistics) We thought it would be really helpful to provide some tools over the next few weeks to sort out the... 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