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A Message From the Owner

Dylan LeBlanc, Owner/General Agent

In my first life insurance business, Final Expense Capital, LLC, I help seniors with their final expense planning through small, affordable, and simplified whole life policies averaging $12,235 to primarily help them cover their burial or cremation and other final expenses. In my growth as an insurance brokerage owner and general agent I have gained access to the necessary carriers, have spend a great amount time continuously learning and analyzing life insurance policies, and most importantly have helped enough families to be able to offer a more sophisticated and comprehensive service to qualified clients. All Tuscan Eagle clients receive a detailed and ongoing needs analysis and financial security plan advising.

Whether you are a senior in retirement or approaching retirement, a career professional, a business owner, or anyone who values the benefits that life insurance can provide I will always work harder than any other life insurance broker to ensure you end up with the absolute best carrier and product specifically for you. No matter your age or your particular set of problems I have a great solution. The most important thing behind planning is action and taking action is easier after creating a strategy. To learn more please check out our Select Carriers section to see the carriers that I generally reserve for my Tuscan Eagle senior clients and everyone else previously mentioned. Then send me an e-mail or give me a call to get the process started.

- Dylan LeBlanc

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L.I.F.E.

LIABILITIES

How much would you owe if you passed away? Are you responsible for a mortgage? A car note or two? Student loans? Other loans that you might have taken out for whatever reason? Credit card debt? Any debt whatsoever? A life insurance policy death benefit payout is what is needed to payoff those notes.

Even if you pass away- those creditors don't go away and it's your duty to leave behind enough money to pay the bill. Let me help you figure out the numbers and create a strong foundation to your life insurance policy.

INCOME REPLACEMENT

If you were to pass away how much money are you leaving behind to replace your income? If you have children how old are they and how much money will be needed to be left behind to account for them being taken care of financially every day, week, month, and year until they are an adult capable of providing for themselves? The lifestyle you have is only provided for because of your and your spouse's income if you are married. Without your income there either needs to be enough money left behind either through savings, or a smarter plan is through a life insurance policy to ensure that your family doesn't have to undergo a significant reduction in their lifestyle on top of having lost a loved one. Even if you don't have children would you want your spouse to have to rely solely on their income while mourning the passing of the love of their life and potentially have to sell the house and liquidate other assets in order to be able to afford the new reality of no longer having their loved one in the picture? A life insurance policy is the perfect tool to make sure your income is replaced appropriately in the event of your passing.

Income replacement is a very serious consideration when determining the death benefit on your life insurance policy and I promise to provide you with patience and guidance as we navigate this crucial component.

FINAL EXPENSES

The average funeral costs around $15,000 and the average cremation costs around $8,000. Have you discussed with your loved one which one you would want- or which one they and your family would want- if you passed? Determining that is key to figuring out how much you want to account for when figuring out your final expenses. Furthermore, hedging against the likely reality of a final hospital bill is a part of final expense planning. If you were to have to spend a prolonged amount of time in the hospital before your passing or there were expensive procedures done in an attempt to treat or save you then those medical bills could also be considered final expenses. A life insurance policy is the perfect way to leave money behind for your funeral or cremation and any unexpected end-of-life medical bills.

I will help you frame this discussion more clearly and move forward with a solid decision regarding how you want to handle your final expenses.

EDUCATION/EVERYTHING ELSE

If you have children do you want to help them to be able to go to any college they were accepted to without them having to struggle financially during their time as a student or taking out massive amounts of student loan debt? If yes, what if you weren't around to directly financially support them? A life insurance policy would easily fund any educational assistance you would want to provide for your children. It could also fund other one-time or special event expenditures that you would want or expect to be responsible for and would want to cover even if you passed. Do you have a daughter and would want to leave enough behind for her wedding? Would you want to leave behind enough for a truck for your son or a safe SUV for your daughter? Would you want to leave behind enough extra of a lump-sum for your spouse to not have to work, or make smart investments and help set them up for retirement, or anything else?

We will be able to explore all of these options and it can be quite empowering to be reminded of how much our loved ones around us depend on our hard work and smart planning. I'll help you make sure everything is accounted for.