Final Expense Coverage Hypothetical Case Study

This document is a case study that outlines the financial considerations of an individual named John, who seeks to secure affordable final expense coverage. John, a 70-year-old single man, previously purchased a whole life insurance policy with a $25,000 face value, but due to rising monthly expenses, he is looking to lower his insurance costs while maintaining the same death benefit. The case study details John's application and qualification for the PL Promise GUL product, which offers lifetime coverage at a lower annual premium compared to his existing whole life policy. It explains that John does not need an additional medical exam due to a recent health assessment and emphasizes the affordability of the PL Promise GUL product, which provides the same death benefit at a 32% lower premium. The document also includes contact information for further inquiries regarding the PL Promise products.