• According to a recent survey, 36 percent of Americans say they don’t contribute anything at all to retirement savings. (Source: CNBC: More Upper-Income Workers Living Paycheck to Paycheck. Published on Sep 16, 2009)
  • 35% of Americans over the age of 65 rely almost entirely on Social Security payments. (Source:, The Retirement Nightmare, July 15, 2010)
  • According to the Congressional Budget Office, the Social Security system paid out more in benefits than it received in payroll taxes in 2010. Sadly, these “Social Security” deficits are scheduled to become absolutely horrific as hordes of Baby Boomers start to retire. (Source: Congressional Budget Office,
  • In 1950, each retiree’s Social Security benefit was paid for by 16 U.S. workers. In 2010, each retiree’s Social Security benefit is paid for by approximately 3.3 U.S. workers. By 2025, it is projected that there will be approximately 2 U.S. workers for each retiree. (Source: A Message From the Secretary of the Treasury)
  • According to a recent U.S. government report, soaring interest costs on the U.S. national debt, plus rapidly escalating spending on entitlement programs, including Social Security and Medicare, will absorb approximately 92 cents of every single dollar of federal revenue by the year 2019, and that is before a single dollar is spent on anything else. (Source: A Message From The Secretary of the Treasury)
  • According to a recent AARP survey of Baby Boomers, 40% of them plan to work “until they drop”. (Source: AARP Study as reported in Time Magazine)
  • 43% of American workers have less than $10,000 in retirement savings. (Source: Employee Benefit Research Institute)
  • 31% of workers have saved NOTHING for retirement. (Source: Employee Benefit Research Institute and Matthew Greenwald & Associates, Inc. 2010 Retirement Confidence Surveys)
  • 30% of adult children contribute financially to their parents and that number is expected to grow. (Source: New York Times: Taking Care of Parents Also Means Taking Care of Finances, Sept 18, 2009)
  • A record 51% doubt they can pay for medical expenses in retirement. (Source: Employee Benefit Research Institute and Mathew Greenwald & Associates, Inc. 2010 Retirement Confidence Survey)
  • One out of every six elderly Americans is already living below the federal poverty line. (Source: U.S. Census Bureau as reported on

Funeral and Burial Insurance Facts:

  • Usually have face amounts of below $40,000
 Designed for seniors ages 50 – 85.
  • Most everyone can qualify for some level of benefits.
  • Benefits come in 3 different categories: Level, Modified, Graded.
  • 85% of those we help qualify for level benefits!
Modified Benefits are available that will give you back 110% of your premiums back for deaths that occur within the first 2 to 3 yrs
 (depending on the insurance carrier), then full face amount if
 the insured lives past the modified period.
  • Graded Benefits are available that will give you back 30% of the face 
amounts purchased if the insured dies in the first year, and 70% 
 if the insured dies between years 1 and 2 of coverage.
  • Full benefits after the graded period ends. (usually 2 yrs)