What will you leave behind for your family?

After the death of a loved one, a family must make important and difficult decisions. In addition to burial expenses, there may be outstanding debts, including unpaid medical bills, leaving your family in debt.

No one wants to think about their own funeral. But with early and careful planning, you can have peace of mind knowing you have taken care of your final expenses, easing the emotional and financial burden on your loved ones.

Plan for the future

Central United Life can help you plan for the future so your final expenses do not become the worry of your family. Premier Life offers you a simple and cost effective life insurance plan to cover your final expenses.

Premier Life is a traditional whole life insurance policy offering an Immediate Death Benefit to those who qualify based on health related questions.

Premier Life is available to individuals between the ages of 18 - 80 and for amounts of $5,000 - $50,000 based on your current age.

National Median Cost of an Adult Funeral with Viewing and Burial: 2004 vs. 2014
Item 2014* 2004* % Change
Nondeclinable basic services fee $2,000 $1,460 37.0%
Removal/transfer of remains to funeral home $310 $195 59.0%
Embalming $695 $498 39.6%
Other preparation of the body $250 $174 42.9%
Use of facilities/staff for viewing $420 $339 23.9%
Use of facilities/staff for funeral ceremony $495 $395 25.3%
Hearse $318 $225 41.1%
Service car/van $143 $100 42.5%
Basic memorial printed package $155 $95 63.2%
Metal casket $2,395 $2,100 14.0%
Median Cost of a Funeral With Viewing and Burial $7,181 $5,582 28.6%
Vault $1,327 $998 33.0%
Total with vault $8,508 $6,580 29.3%
2004 prices have not been adjusted for inflation.
* Median Price – The amount at which half of the figures fall below and half are above
Why Final Expense Insurance?
Funerals can be unexpected and expensive

The average cost of a funeral is more than $7,181 before costs for a vault, monuments/markers, flowers or obituaries are added.* The unexpected burden of these costs can be financially devastating to loved ones in the event of a death.

There are more costs associated with Final Expenses than just Funeral Costs. Some of the costs your family could have to face include:

  • Medical Bills
  • Personal Debt
  • Legal Expenses
  • Transportation
*From the National Funeral Directors Association Cost of an Adult Funeral: 1960 - Present

Premier Life
Immediate Death Benefit Final Expense Plan
  • Eligibility is determined by your answers on the application
Issue Age Death Benefit Amount
18 - 50 $5,000 - $50,000
51 - 80 $5,000 - $25,000
Plan Features
Premium Guarantee
- Your premiums will never increase, regardless of your age or health.
Death Benefit Guarantee
- Your death benefit will never decrease.
Guaranteed Cash Value
- Your policy will build cash value, allowing you to make a loan from your policy if needed.
Guaranteed non-cancelable
- Your policy will never be cancelled as long as premium payments are made on time (subject to termination provisions).
- We offer coverage in different amounts to suit your needs and budget.
Payment Options
- Monthly premiums can be deducted from your bank account. Billing may also be done annually, semi-annually, or quarterly.
Honored Worldwide
- Travel anywhere in the world, and you’ll still be covered.
Death Benefit Paid by Check
- Benefit can be used for final expenses and other needs.
About Us
Our Mission
The ManhattanLife companies are committed to providing reliable, innovative and cost effective reinsurance facilities to the life and health insurance industry as well as a wide range of life and health products to the general public through a multi-distribution system. We are focused on steady continual growth by providing a quality portfolio of products, personal customer service and financial soundness. With roots firmly grounded in a commitment forged more than 150 years ago, we hold fast to high ethical standards of quality service to our agents, our customers and our employees. Stability, innovation, growth, and responsive service are the characteristics that define the core of our business. We recognize not only the diverse needs of our policyholders and agents, but also the wide range of options available to deliver our products in order to serve the marketplace more efficiently. Thus we put technology at the forefront and utilize it to further improve our sales, underwriting, billing and customer service processes.

Since 1850
Our legacy began on May 29, 1850 with the formation of The Manhattan Life Insurance Company, one of the early pioneers in the life insurance industry. Manhattan Life was the first company to introduce incontestable clauses in life insurance contracts. It also issued the first group life contract as well as one of the first life policies to a woman. After the Civil War, Manhattan Life became known as "Old Reliable" largely because it continued to pay death benefits to the widows of Southern soldiers. In 1894, the original Manhattan Life office building in New York City was the tallest building in the world but was sold by the company in 1926.
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