Namun rasa cemburu harus bisa dikendalikan alias tidak berlebihan. Sebab jika tidak, maka hasilnya akan berakibat fatal bagi orang lain seperti yang dialami wanita ini.
Kejadian mengenaskan akibat rasa cemburu yang berlebihan dialami oleh Kristy Adjei. Kehidupannya sontak berubah setelah ia berkunjung di acara pesta kebun sahabatnya, Susan Robson.
Dilansir oleh Daily Mail, ketika itu Kristy sedang berjalan pulang bersama suami dari sahabatnya tersebut. Namun sang sahabat, Susan, mendadak curiga dengan kedekatan keduanya.
Wanita berusia 37 tahun itu akhirnya membuntuti sang suami yang sedang berjalan bersama Kristy. Ia pun lantas memergoki keduanya saling cium pipi (cipika-cipiki).
Saat dipergoki oleh Susan, Kristy mengaku salah dan mengatakan kepada sahabatnya itu bahwa ia hanya memberi kecupan di pipi saja, tidak lebih dari itu.
Namun Susan yang sudah terlanjur emosi dan cemburu lantas memukul dan menendang Kristy hingga lehernya patah.
Lincoln Heritage’s Funeral Advantage program is a great option for final expense insurance if you’re healthy and able to qualify for their immediate coverage. They have good prices and a strong focus on customer service. We would also recommend the Funeral Advantage program for seniors that really want coverage but are unable to qualify elsewhere, as they accept applicants with a wide set of conditions.
Just note that Lincoln Heritage agents have a reputation for being aggressive, particularly for in-person consultations, so it’s important to be prepared for a strong pitch before setting up a meeting.
Final Expense Insurance
Coverage
Cost
Add-ons & Riders
Restrictions
Consumer Reviews & Complaints
Funeral Advantage Payments
Final Expense Insurance
The Lincoln Heritage Life Insurance Company only offers one life insurance product, which is their Funeral Advantage program. Funeral Advantage is essentially a whole life insurance policy designed to cover a limited set of costs associated with your passing, and is also referred to as final expense insurance.
Funeral Advantage Life Insurance Coverage
Funeral Advantage whole life insurance policies offer up to $20,000 in coverage and have a cash value that grows over time. This cash value can be borrowed against for emergency expenses or to cover premiums, but is not part of the death benefit. As with most whole life insurance policies, the death benefit and premiums are level for the length of the policy.
Lincoln Heritage’s application process is relatively simple and doesn’t require a medical exam, you just need to complete a set of questions related to your health. Keep in mind that, if any of the answers are inaccurate, your beneficiary might be denied a payout, so it’s important to be honest.
Based upon your health responses, you will either qualify for immediate coverage or Lincoln Heritage’s “modified plan”, which has a 3 year waiting period (only 2 years if you’re under 50). The waiting period begins as soon as your purchase a policy and, if you pass during that time, your beneficiary will receive a limited payout (return of premiums plus 10-30% interest). Waiting periods are common for final expense insurance, particularly when there’s limited underwriting, because insurers want to avoid having particularly ill patients sign up for large amounts of coverage but pay only a couple months of premiums before passing.
You would qualify for the modified plan, not immediate coverage, if you were diagnosed with or treated for any of the following in the past 2 years:
Heart disease
Coronary artery disease
Cancer
Lung, liver, or kidney disease
Alzheimer's disease, dementia, or ALS
Complications (such as amputation or blindness) related to diabetes
While it’s not a component of Lincoln Heritage’s life insurance coverage, each policy does come with a Funeral Consumer Guardian Society membership. This organization collects your funeral preferences and offers assistance to your family when you pass, getting quotes from funeral homes and assisting with any questions. It’s very helpful for family and friends that are going through an emotional time, but most of the benefit can be obtained if you communicate your final wishes clearly and check out local funeral homes yourself.
Cost of Funeral Advantage Life Insurance
The average premium for a final expense insurance policy was $719 in 2015, according to an industry survey. If you’re middle-aged or haven’t had any health issues, Lincoln Heritage’s rates are pretty close to those of their peers. However, if you only qualify for the modified plan, their prices are significantly higher than competitors.