• St. Louis Area Life Insurance for Senior Citizens

    Nobody wants to think about life insurance – it implies that, at some point, you’ll no longer be with your family. It’s unfortunate, but you’ll be glad that you took the time to find life insurance options that benefit your family. At Bi-State Insurance Solutions, we provide life insurance that can serve a variety of purposes. Whether you’re interested in leaving a death benefit for your family, earning an income throughout your retirement or something else, we have various products to help you achieve your goals.

    Available Life Insurance Products:

    • Term Insurance
    • Whole Life Insurance
    • Guaranteed-Premium Insurance
    • Transitional Insurance
    • Final Expense Insurance
  • While death is never pleasant, the rising costs of funeral services can add to the mounting grief that family members that friends go through when they lose a loved one. Why not give your loved ones some help when it comes to your end-of-life preparations. At Bi-State Insurance Solutions, we provide final expense insurance to help your family overcome the financial burden of out-of-control funeral and burial costs. The costs associated with funerals can sometimes cause financial ruin for years after the death, contact our staff to help your family avoid this.

  • State-Regulated Final Expense Plan

    Fortunately, you have options when it comes to planning for these things. You can opt to do nothing and leave your family with the burden, but we know you don’t want to do that. You also have the option to purchase a pre-paid funeral with a lump sum, using your savings. However many may not have the funds to provide this money up front. That’s where a state-regulated final expense plan comes in. These plans help provide the funds needed for the dignified funeral services that you deserve. Benefits of these plans include:

    • Benefits are guaranteed. They can never be canceled.
    • Premium payments stay the same for the entire life of the policy.
    • Benefit amounts are guaranteed never to decrease.
    • Your family receives a guaranteed, tax-free death benefit as long as premiums are paid.
    • This policy builds a cash value for guaranteed flexibility when it comes to funeral options.