Burial Insurance, Explained Over Coffee
Walter sits at your kitchen table anywhere around Montgomery and lays out your choices in plain words. You decide, not him.
A Neighbor, Not a Call Center
I grew up in Cloverdale. When someone passes, I have seen what it does to a family when there is no money for the funeral. My job is to make sure yours is not scrambling that week.
Walter PeavyOwner and licensed agent
What Would a Plan Cost Me?
Answer four questions. You will see about how much coverage makes sense and a sample monthly price for someone your age.
Coverage that fits
$12,000 to $17,000
Based on a sample Montgomery area cost of $9,000 to $14,000 for a traditional burial, plus your bills.
Sample monthly premium
$43 to $105 a month
Level benefit planPays the full amount from the first day.
Samples only. Premiums shown are for whole life coverage, paid monthly for life, for a non smoker. This is an estimate, not a quote or an offer of coverage. Coverage, price and approval depend on your age, your health and the insurance company.
Level or Graded? Here Is the Difference
Level benefit
For folks in fair health. The full amount is paid from the first day the policy starts.
It costs less each month, and it asks a few more health questions.
Graded benefit
For folks with serious health problems. Most have a two year waiting period.
If you pass from an illness in those two years, your family usually gets back what you paid plus some interest. After that, the full amount.
Where We Sit Down Together
Most visits happen at home. Some happen after church. A few happen at our little office on Pecan Row.
What Families Say
Walter came back three times because I had more questions. He never once acted like I was a bother.
Dorothy W. Prattville
When Mama passed, the check came in nine days. We did not have to pass a plate for her funeral.
Marcus J. Montgomery
He told me the graded plan was the right one for my heart, and why. Straight talk.
Earl T. Wetumpka
Sample reviews written for this demo. Your site shows your real Google reviews, word for word.
Home visits in Montgomery, Prattville, Millbrook, Wetumpka, Pike Road, Tallassee, Hope Hull and Union Springs.
Questions Folks Ask at the Table
What is final expense insurance?
It is a small whole life policy, often $5,000 to $25,000, made to pay for a funeral and the last bills. The price stays the same for life, and the coverage does not run out as long as you pay.
Do I need a medical exam?
Usually not. Most plans ask a few health questions instead. Your answers decide which plans you can get and what they cost. Coverage, price and approval depend on your age, your health and the insurance company.
What is a waiting period?
Graded plans often have a two year waiting period. If you pass away from an illness in those two years, the family usually gets back what you paid plus some interest instead of the full amount. Accidents are often covered in full from day one. Always check the policy.
Can my daughter be the one who handles it?
Yes. You can name her as the beneficiary, and she can sit in when we meet. Many families like having a grown child at the table so everyone hears the same thing.
Will you pressure me to sign that day?
No. Walter leaves the numbers with you and you call when you are ready. Some folks sign that day. Some call back a month later. Both are fine.
Pick a Day for Coffee
Walter answers his own phone from 8 in the morning to 7 at night, Monday to Saturday. Leave your first name and number and he calls you back the same day.
Licensed in Alabama as a life insurance producer. License number shown here on the live site. We work with several insurance companies. Coverage, price and approval depend on your age, your health and the insurer. Graded plans usually have a waiting period of two years.