[DATE]
Turning 65 is when many people take a fresh look at their life insurance —
here’s why.
Dear [FIRST NAME],
Around age 65, life changes: work coverage often ends at retirement, older term policies near the
end of their term, and premiums for new coverage rise with every birthday. That’s why many people
use this season to decide, once, how their final expenses — funeral, burial or
cremation, and last bills — will be paid, so the cost never lands on a spouse or children.
One option many families choose is a small whole life insurance policy (often
called final expense insurance):
- Benefit amounts from [$X,XXX] to [$XX,XXX], sized to your budget
- Simplified application — no medical exam; whether a policy can be issued may depend on
your answers to the health questions in the application
- [EDIT: list only features your carrier’s policy form actually provides]
EDIT BEFORE MAILING — if your policy form pays graded or modified benefits in the
first years, disclose that limitation prominently here, per your policy form. Delete this note either way.
I’m a licensed insurance agent here in [CITY / COUNTY]. My job is to
explain your options in plain language and let you decide — free of charge, and with no obligation
to buy anything.
Sincerely,
[AGENT NAME]
Licensed Insurance Agent · License #[LICENSE #]
EDITABLE DISCLAIMER — review with your compliance contact before mailing.
This is an advertisement and a solicitation of insurance from a licensed insurance agent; it is not
affiliated with or endorsed by any government agency. Whole life insurance products are underwritten by
[INSURER NAME], policy form [POLICY FORM #]. Product
availability, benefits, and premiums vary by state, age, and underwriting.
[CONSULT COUNSEL: add all disclosures your state requires for senior-directed,
lead-generating advertising, including type-size and ad-filing rules.]