Golden Memorial is a licensed Illinois insurance agency working with families on final expense and burial insurance — from the first question to the claim being paid.
Final expense insurance is a small whole life policy, commonly written between $5,000 and $35,000, meant to cover the costs that land on your family after a death: funeral home services, burial or cremation, cemetery costs, final medical bills and small debts. It is different from term life insurance — it does not expire after a set number of years, and the death benefit does not decrease as long as premiums are paid.
We help you work out how much coverage actually makes sense for your situation, then explain how the plan works in plain language before anything is signed.
A no-cost, no-obligation review of the coverage you have now — or of what's available to you if you have none. We look at face amount, premium, waiting period and beneficiary setup, and tell you plainly where the gaps are.
Golden Memorial is an agency representing Lincoln Heritage Life Insurance Company. We walk through how the Funeral Advantage plans work — protection levels, no-medical-exam underwriting, guaranteed level premiums, and what the Funeral Consumer Guardian Society membership does.
If you're weighing more than one option — a Funeral Advantage plan against another carrier's burial policy, or a graded plan against a level plan — we put them side by side on the things that matter: cost, waiting period, benefit amount and what happens at claim time.
Who you name as beneficiary, and how you name them, decides how smoothly the claim is paid. We help you set it up correctly — spouse, children, a trust or a funeral home directly — and explain how to change it later.
We help with the one-page application and the health questions, and we stay reachable after the policy is issued. When the time comes, we help your family with the paperwork the carrier needs.
You can own and pay for a policy on someone else's life with their consent. This is one of the most common ways adult children protect a parent — we'll structure it so there's no confusion at claim time.
| Level | Typical face amount | Who it tends to suit |
|---|---|---|
| Good | $15,000 | Cremation or a simple service, with room for a small buffer. |
| Better | $18,000 | A full traditional funeral with a small allowance for final bills. |
| Best | $20,000 | Funeral, cemetery costs and a small legacy gift to family. |
A custom face amount between roughly $5,000 and $50,000 may also be available. Face amounts shown are illustrative levels, not a quote; the carrier confirms what you're eligible for. Coverage is subject to state availability, eligibility and carrier approval.
Martin Eichhorn is licensed in Illinois and seven additional states:
Plan availability varies by carrier, county and time of year. We confirm what's offered in your area before you apply.
We don't promise approval, and we don't promise savings. Eligibility and the final rate are decided by the insurance carrier's underwriting, based on your answers on the application and your state's rules. Any premium figure we discuss is an illustration for a specific age, health profile and coverage amount — not a guaranteed fact until the carrier issues the policy. If a plan isn't right for you, we'll say so.
Call (224) 578-2989 or request a time on our callback page. No-cost consultations are educational and create no obligation.