Ricran Senior Financial Services

A private practice in Naples, FL protecting your assets and family since 2007, we explain what is available by law allowing you to make a choice.

Simple protection for your family -  Final Expense and Term life offer affordable monthly premiums.

For a $100,000 term life policy at age 50, expect to pay roughly $14-$21 per month for females and $21-$52+ per month for males, depending heavily on health, gender, and the specific term length (e.g., 10, 20, 30 years), with rates rising significantly with age and health risks, though some sources show lower costs like $13/month for a female or $22/month for a male for a 10-year term .

For a $10k final expense policy at age 50, expect average monthly premiums to range roughly from $24-$39 for females and $31-$46 for males, with exact costs varying by insurer, health, and tobacco use, but generally falling within the $25-$50 range.

Burial     Estate Planning     Term     Whole Life     Medicare

I know what you're thinking, that all sounds complicated... Call us and we make it simple: tell us what you want, what are your goals? We explain what is available to you and you make a choice. Life insurance is not complicated. You can't teach experience...

Building Generational Wealth and Estate Planning - Beyond living benefits, life insurance is a powerful tool for transferring wealth to heirs efficiently: Tax-Free Death Benefit: The death benefit is generally paid out to beneficiaries income tax-free. Estate Tax Planning: For high-net-worth individuals, properly structured life insurance can provide liquidity to pay estate taxes, preventing the forced sale of other assets (like a family business or real estate). Irrevocable Life Insurance Trust (ILIT): Placing the policy within an ILIT removes it from your taxable estate, allowing the death benefit to pass to heirs without being subject to estate taxes. All without attorneys.

Licensed by the Florida Department of Financial Services

if you read this far, why haven't you called this guy? ⤵️