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An Agent You Can Count On!



SUPPLEMENT YOUR GOVERNMENT BENEFIT OF $255



According to the National Funeral Director's Association, the average cost of an adult funeral is $7,045. This can be a heavy burden on families. This figure does not include other related expenses such as unpaid medical bills, ambulance fees, lost time from work and more which can easily double this figure.



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An Independent Agent Can Help You Compare & Save!



Hello! My name is Chris Stewart, owner of Life Benefits Group and a licensed life & health insurance agent. My goal is to find you the most amount of insurance for the least amount of money with a process that is friendly, stress-free and professional. Not only can I shop dozens of top-rated insurance companies for you, I can help you find the best fit regarding your health which is very important. Life insurance can vary in price and sometimes that difference can be substantial. For example, take a healthy 65 year old female in 2022, non-smoker applying for a $5,000 death benefit. Out of 15 policy comparisons, premiums ranged from $22.11 per month to $33.83. That's a 30% difference!


The Benefits Of Life Benefits Group!

  • Highly Rated Insurance Companies!
  • A+ Rating With The Better Business Bureau!
  • A Track Record Of Integrity!
  • Never Any Pressure!
  • Local, Personal Service!
  • Professionalism & Experience!

If you're 50 and over and looking to cover funeral & related expenses a Final Expense Whole Life policy may be for you!

  • Whole Life Insurance, Never Term!
  • Immediate, Modified & Guaranteed Issue!
  • No Medical Exam!
  • Premiums Never Increase!
  • Benefit Never Decreases!
  • You May Qualify Even With A Serious Medical Condition!

Always FRIENDLY SERVICE!






What You Need To Know





Independent Agent Vs. A Captive Agent.



There are two types of agents today, captive & independent. Captive agents are generally employees who represent only one insurer, their employer. Independent agents can represent many different insurers. Since prices vary between companies, why not shop around? This is why I started Life Benefits Group and became an independent.



Highly Rated Insurance Companies.



Independent ratings firms such as A.M Best, Moody's, and S&P Global assess the financial strength, stability, and claims paying ability of insurance companies. There are hundreds of Life insurers in America today. The insurance companies I am contracted with are highly rated and very competitive. You can trust you'll be in good hands.



A+ Rating With The Better Business Bureau



"As a leader in advancing marketplace trust, BBB sets high ethical standards for business conduct. We also apply these standards to ourselves and our Business Partners. The BBB Business Partner Code of Conduct (the "Code") helps ensure that BBB Business Partners share our commitment to an ethical marketplace."

​Better Business Bureau



A Track Record Of Integtrity!



Without integrity, problems are waiting at the door. My track record is impeccable and I've been licensed since 2008. A fiduciary is a person in a position of financial trust. I'm not an official fiduciary. However, all insurance agents have a fiducial responsibility and I'm deeply committed to this ideal. That's why in my 15 years of licensing, I've never had a complaint. This is a track record of integrity.



Never Any Sales Pressure!



Our first meeting is simply a fact-finding and get acquainted meeting so we can all relax. My goal is to have a conversation and learn about your situation. If you're interested in a quote, I'll got to work. The next time we meet I'll show you the options I came up with and the comparisons. If everything looks good to you, we'll take the next step and apply and start the underwriting process. If you need more time, that's fine as well.



Local, Personal Sevice!



There are insurance companies and marketers that rely on Direct mail, TV and print to find new clients. There's nothing wrong with this. However, it may require agents to travel long distances for new business. You could find yourself with an agent who doesn't even live in your state! This is why I work locally. It allows me the opportunity to provide my clients with the service I feel they deserve.



Professionalism & experience



Initially, I went to work for Globe Life selling Medicare supplements and life insurance. NewYorkLife had an opening one day and I took it. I admired their reputation and knew it would be a great experience. After a move back to Gresham, I went to work for MetLife. These two experiences gave me a solid foundation in the business. However, I wanted to offer more. In 2013, I became independent operating under the D.B.A. Life Benefits Group.


Over the years I have completed 243 hours of continuing education on a variety of subjects including Law & Ethics. My back office support is a founding member of the AimcoR group, an industry leading National Marketing Organization.



faq's: final expense whole life insurance





What is Final Expense Whole Life?



Final Expense is an industry term for a type of Whole Life policy designed to cover funeral & related expenses. They usually range from a $2,000 benefit up to $30,000. Premiums remain the same and the benefit never decreases. There is no medical exam and qualification is less rigorous than traditional Whole Life. You may qualify even with a serious condition! And, the benefits are paid directly to the beneficiary, not a particular funeral service provider.



What are the different types of Final Expense?



Final Expense comes in 3 varieties, Immediate, Modified & Guaranteed Issue. Immediate policies issue very fast. They are the least expensive per $1,000. I always try to get my clients into Immediate policies first. Modified policies are an option for those who don't qualify for Immediate. There is usually a 2-year waiting period. If death occurs within the waiting period, premiums are typically refunded so there's no risk. Guaranteed issue policies are just that, you are guaranteed to qualify. However, these can be more expensive. But, it can be a good option for those who don't qualify for Immediate & Modified.



Is Final Expense Term Life a good idea?



Whole Life is designed to stay in force until death. This guarantees payment of proceeds to the beneficiary. Term Life is only meant to cover a certain period of time. Term is a great option for younger families looking to provide protection while raising children (i.e. income protection, mortgage protection). Term is better than nothing when it comes to final expenses. But having a guarantee must be a priority and that's why I recommend Whole Life as a foundation. If the budget allows, you can certainly add Term in addition to a Whole Life policy.



"A lot of my customers are also my friends." Doug Stewart.



This is an article from the Oregonian going back to the 1980's about the family business I grew up in, Stewart Custom Tackle, which eventually became Stewart's Fly Shop. It had a 40 year run in East County and had thousands of satisfied customers. My folks example taught me how to treat others by helping and making friends. It's at the very heart of how I operate today.


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All Rights Reserved. Life Benefits Group.
P.O. Box 652. Troutdale, Oregon 97060
www.info@lifebenefitsgroup.com
(503) 770-4611
License #5906075