For the ones who held us together

Big Mama
deserved better.

She fed everybody. Prayed for everybody. Showed up for everybody. When it's our turn to show up for her, love shouldn't have to turn into a fundraiser.

Explore Life Insurance Options

A conversation about planning ahead. No obligation to purchase.

Several generations of a family sitting together and smiling

Because the ones who love us deserve a plan, too.

Rooted in love. Built around family. Focused on preparation.

More than a saying

We all know a Big Mama.
And we all know what she means.

She might be your grandmother, auntie, mother, or the woman who became family to everybody on the block. She was the Sunday dinner, the extra plate, the ride home, the phone call when life got hard. She gave so much. The least we can do is have a conversation about what happens when she's no longer here.

♡

Honor her love.

Remember the sacrifices, traditions, and everyday ways she cared for us.

✦

Protect the family.

Think ahead about the expenses and decisions loved ones may face.

⌂

Carry her legacy.

Make preparation another act of love passed from one generation to the next.

The conversation nobody wants to have

The hardest day shouldn't become the hardest bill.

When a loved one passes without a financial plan, relatives may have to make important decisions while grieving—and quickly figure out how to cover the costs.

We've seen the familiar response: calls to cousins, crowdfunding pages, fish plate sales, and everyone giving what they can. That generosity is real. So is the strain it can put on a family.

Start Planning Ahead ↗

01 / The phone calls

“How much can everybody put in?”

One person makes the arrangements. Another tries to collect contributions. Everybody is doing their best.

02 / The fundraiser

“We selling plates Saturday.”

The community steps in—but now a family is trying to raise money at the same time it's trying to grieve.

03 / The aftermath

“We'll figure it out somehow.”

Even after the service, unexpected expenses or borrowed money may linger. Planning ahead can help reduce uncertainty.

“We can love Big Mama enough to celebrate her life and prepare for the cost of saying goodbye.”

That's what this conversation is about.

A better way forward

You don't need all the answers.
You just need a place to start.

Life insurance may be one tool for helping loved ones handle eligible expenses after a death. The right choice depends on your family, needs, budget, and the coverage available to you.

01.

Talk about your needs.

Think through who may depend on you, what final expenses might involve, and what financial responsibilities you want to plan for.

02.

Review your options.

Speak with a licensed insurance representative about available policies, potential costs, eligibility, exclusions, and waiting periods.

03.

Choose what fits.

If coverage is right for you, review the policy details and decide what works with your budget and long-term priorities.

Not sure where to begin? You can ask questions before deciding whether to apply for coverage.

Request a Coverage Conversation ↗

Older woman surrounded by loved ones in a family portrait

What preparation can look like

Leave memories.
Not unanswered questions.

We can't remove the grief of losing someone we love. But we can talk openly about financial responsibilities before that day comes.

Understand the difference between planning for funeral expenses and broader life insurance needs.
Review the people and responsibilities you want to protect.
Ask what a policy covers, what it doesn't, and when benefits may be payable.
Take a next step based on facts—not pressure.

See What Options May Fit ↗

Community and preparation

Fish plates are love.
But they shouldn't have to be the plan.

There's nothing wrong with family coming together. The goal isn't to replace the way we show up for each other. It's to give that love a little more breathing room.

Without a plan

Everyone is figuring it out.

Relatives may need to coordinate arrangements, collect money, and make fast financial decisions at an emotional time.

Fundraisers and personal contributions can help—but they aren't guaranteed to meet every expense.

With thoughtful preparation

Real questions.
Straight answers.

You don't have to know insurance language to have a useful conversation. Start with the questions that matter to your family.

Is this life insurance or funeral insurance?

This page is about exploring life insurance for family protection and potential final expenses. Different policies have different purposes, coverage amounts, restrictions, and terms. A licensed representative can explain which products, if any, are available to you.

Can life insurance help with funeral expenses?

When a covered claim is payable, beneficiaries can generally use life insurance proceeds for many needs, potentially including funeral expenses. Payment is subject to policy terms, exclusions, contestability rules, and any applicable waiting period.

Do I have to get a medical exam?

That depends on the specific product and your application. Some products may ask health questions or require underwriting. Don't assume acceptance or a no-exam option until the representative confirms the actual terms.

How much coverage should I consider?

Start with your goals, any funeral arrangements you want to fund, debts, other financial responsibilities, savings, and a premium you could reasonably maintain. The representative can help you review possible amounts and prices.

What if I already have a policy?

It's still helpful to review the insurer, coverage amount, beneficiaries, premiums, exclusions, and whether the policy still matches your needs. Don't cancel or replace an existing policy without carefully comparing the consequences.

Will submitting this form mean I'm insured?

No. A conversation or information request does not create coverage. Any application, approval, effective date, premium, and benefits depend on the policy and insurer's requirements.

The next step is simple