SERVICES

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 I understand by submitting this form a North Star Insurance Advisor employee will be contacting me to solicit the sale of life insurance. Your information will never be shared with any third party.


Our Policy Benefits:

  • Never cancelled or dropped because of changing health condition
  • Same day approval
  • Payments will never increase
  • Benefits will never decrease
  • Day one coverage
  • Borrow against cash value
  • ​Policy is mobile across state lines
  • Transfer ownership at anytime
  • Accepted at any funeral home
  • Death claims paid as quickly as 48 hours
  • Nursing home waiver of premium
  • Terminal illness death benefit
  • Accidental death benefit
  • Automatic premium loan
  • Cover children and grandchildren on your policy
  • All changes are preformed quickly over the telephone with your assigned advisor

Guiding you through the most important decision

Being confident that your family is always taken care of is the most important decision you can make. Sadly, many individuals are under insured, or may have the misunderstanding that they may not qualify for final expense life insurance.  Latest government estimates show that the average funeral in America is running over $10,000,  and navigating the process can be extremely difficult and confusing.  North Star Insurance Advisors will guide you through this process and help you make the right decision for your family.

PART I: SERVICES
“What type of funeral do I want?

Complete, traditional funeral with viewing & visitation the day

prior……………………………..$4690.00
Traditional funeral with viewing & visitation one hour prior to service only…………………….4315.00
Funeral with visitation the day prior, with no viewing (closed casket)……………………………….4100.00
Funeral with visitation one hour prior, with no viewing (closed casket)…………………………….3725.00
Immediate cremation with memorial service and visitation the day prior………………………..3700.00
Immediate cremation with memorial service and visitation one hour prior……………………..3325.00
Immediate burial with graveside service……………………………………………………………………………..2995.00
Immediate burial with no attendant rites or ceremonies…………………………………………………..2800.00
Immediate cremation with no attendant rites or ceremonies……………………………………………2800.00

PART II: MERCHANDISE
“Do I need a casket?” 

“Do I need a casket?”

CASKET                                PRICE
Solid Oak  –                                $3065.00
Solid Oak w/Veneer –                2410.00
Solid Pine-                                  2150.00
Solid Ash w/Veneer –                 2105.00
Solid Poplar –                             2000.00, 2310.00, 2620.00
Solid Tulipwood –                       1775.00, 1810.00
18 Gauge Steel  –                        1765.00, 1870.00, 1905.00, 2045.00, 2235.00,
2320.00, 2415.00, 2515.00
Solid Poplar w/Veneer –             1610.00
Engineered Wood –                    1560.00
20 Gauge Steel  –                       1090.00, 1395.00, 1420.00, 1615.00, 1765.00,
1820.00, 1895.00, 1955.00
Cloth Covered Particle Board –   895.00

“Do I need a vault?”

GRAVE LINER

Concrete Two-Piece Maintenance Shell…………………………………………………………..$ 915.00
SINGLE REINFORCED BURIAL VAULTS
Concrete Construction, Plastic Liner, Sealed…………………………………………………….$ 1190.00
– Painted with Nameplate & Emblem
Heavy Concrete Construction in Base & Cover, Plastic Liner, Sealed………….$ 1420.00
– Two-Tone paint with Nameplate & Emblem
Heavy Concrete Construction in Base & Cover, ABS Liner, Sealed……………….$ 1750.00
– Two-Tone paint with Nameplate, Cover Design & ABS Cover
DOUBLE REINFORCED BURIAL VAULTS
Extra Heavy Concrete Construction in Base & Cover, ABS Inner Liner………..$ 2330.00
– Metal liner of Stainless Steel over ABS, Choice of Cover Design
Extra Heavy Concrete Construction in Base & Cover, ABS Inner Liner………..$ 2690.00
– Metal liner of Copper over ABS, Choice of Cover Design
Extra Heavy Concrete Construction in Base & Cover, ABS Inner Liner………..$ 2970.00
– Metal liner of Bronze over ABS, Choice of Cover Design

 

PART III: CASH ADVANCE ITEMS
“What are cash advance items?”

Cash advance items are goods and services that are purchased from sources other than the funeral home.

Certified copies of a death certificate – Purchased from the state and are needed for insurance, title transfers and other financial transactions.  Typically around $20 for each certificate.

Cemetery charges – Costs vary among cemeteries.  Grave costs will vary in price, depending on the cemetery and location.  Interment fees (the charge by the cemetery to open and close the grave) generally range from $900.00 to $1600.00, and interment of cremated remains ranges from $800.00 to $1300.00.

Clergy Honorarium – It is customary to offer the clergy or church that is conducting the funeral service an honorarium. This is typically about $200.00.

Music Honorarium – If there are musicians involved in the service, their fees are typically $125.00 – $150.00 each.

Obituary Notices – Obituary notices are billed directly to the family by the newspaper.  The funeral director will write the notice with you and place it into whichever newspapers you wish. The average cost for an obituary is $11.20 per line per day. Photographs cost around $115.

Flowers – Floral costs vary among florists. Family bouquets usually cost $75.00 to $200.00 per arrangement.

Motorcycle escort – If a funeral procession is planned, at least one escort is necessary to control traffic. Additional escorts may be necessary depending on size of procession and distance to be travelled. The average charge is $205.00 plus sales tax, per escort.

County Medical Examiner Cremation Approval Fee – If cremation is desired as the type of final disposition, the cremation MUST be approved by the medical examiner that has jurisdiction in the county in which the death occurred. Many medical examiners charge for this approval and the fees range from $25.00 to $100.00.

National Average for a Funeral: $10,000