When Rhonda turned 67, she marked the milestone not with a party but with a sigh of relief. After years of juggling her work and personal life—including raising two children—she retired. Her time was finally her own, and she was ready to start a brand-new chapter in life.
Rhonda’s days began to take on a different rhythm, with no alarm clocks or deadlines. Sunny mornings were for coffee on the back porch, attending Mass, catching up with friends, and researching piano lessons (something she had always wanted to do). She was planning a road trip to visit her son in Illinois and was counting down the days until her daughter and three grandchildren came from Virginia for a visit.
But even with all the freedom and joy retirement brought, a quiet worry lingered in the back of her mind. How can I ease the financial burden for my family when I die?
When Rhonda was working full-time, life insurance wasn’t something she gave much thought to. Her employer provided a policy as part of her benefits, and when her children were younger, she’d taken out a term life policy “just in case.” But that term policy was close to expiring, and with her work coverage gone, she found herself wondering: Now what?
Rhonda knew she didn’t need the same amount of coverage she did back then, but she also knew she didn’t want to leave her children with the stress or financial burden of planning and paying for her funeral. She remembered how difficult it had been to manage those details when her mother passed away, and she was determined not to put her family through that stress and chaos.
Still, the thought of applying for new life insurance was intimidating. She was older, she had some ongoing health issues, and the idea of a medical exam and lengthy paperwork was overwhelming. “Maybe it’s too late,” she thought. “I really should have done this sooner.”
Rhonda decided she couldn’t put off finding a solution any longer.
She mentioned her concern to a friend who was a member with Catholic United Financial and decided to contact the same Advisor.
During a friendly conversation, the Advisor told Rhonda about Final Expense Life Insurance. She couldn’t believe that people aged 50 to 80 are guaranteed a policy. It wasn’t about big coverage or complicated benefits; it was about planning ahead with love and care.
Her Member Advisor explained how easy it was to get started with just three simple steps:
1. Choose the amount of coverage that felt right: $10,000, $15,000, $20,000, or $25,000.
2. Complete a straightforward application with no medical questions.
3. Submit the application with the first premium payment.
With guaranteed acceptance, no medical exam was necessary, and she had coverage the same day she applied. The simplicity of it all was such a relief.
Rhonda chose a Final Expense Life Insurance policy with a coverage amount of $15,000. The premium fit comfortably into her monthly budget, and with the rate locked in for life, she wouldn’t have to worry about unexpected increases down the road. More importantly, she felt a deep sense of comfort knowing her children wouldn’t need to scramble for money to pay for her funeral or any other expense during an already emotional time.
“I’m not doing this because I’m afraid of dying,” Rhonda shared with her friends over coffee the next morning. “I’m doing this because I want to make things easier for the people I love. That’s what I’ve always done, and this is just one more way I can take care of them.”
Rhonda’s lingering worry has been dealt with, and now her calendar is filled with things that bring her joy—those beginner piano classes, standing video calls with her grandkids, and this fall, that long-awaited road trip around the Great Lakes and time with her son.
She may be retired, but Rhonda is still planning for the future, and thanks to her Final Expense Life Insurance policy, she’s doing it with a renewed peace of mind. For Rhonda, it’s not just about getting the most from the years she lives—it’s about the enduring love for those she will leave behind.
Important Advisories: Graded Benefit Whole Life Insurance (Final Expense Life Insurance) may be a Modified Endowment Contract (MEC). As such, any distributions, including loans, may be taxable if there is a taxable gain in the contract, and must be reported as taxable income. In addition, distributions that occur prior to age 59½ may be subject to a 10% tax penalty. Therefore, it is important that Graded Benefit Whole Life Insurance is purchased with assets that you are reasonably confident will not be needed in the future. Like all life insurance policies, this policy has exclusions, limitations, reduction of benefits, and terms under which the contract may be continued in force or discontinued. For costs and complete details of coverage, contact your Member Advisor. Graded Benefit Whole Life Insurance ICC16 GBWL; ICC16 GBWL SPN; GBWL 2020 FL and GBWL 2020 FL SPN.
