SAAK Insurance GroupSAAK Insurance GroupSAAK Insurance Group
Sunday - Thursday 9am to 9pm
SAAK Insurance GroupSAAK Insurance GroupSAAK Insurance Group

What To Avoid

Coverage &

See all the different ways Alico can help protect your home.


Learn how you can save on home insurance by browsing discounts.

Want to make a Claim?

Get helpful information about filing a home claim with Alico.

What risks does your policy cover?

It depends where you live, but standard homeowners insurance policies will typically help pay to repair damage caused by certain risks, or perils, including:
Fire and smoke
Windstorm or hail
Falling objects
Frozen plumbing
Water damage from plumbing, water heater, heating or cooling system or appliance.
Home Vehicles Life Business

Error: Contact form not found.

Error: Contact form not found.

Error: Contact form not found.

Error: Contact form not found.

Compare quotes and get life insurance in right way

Get an Insurance Quote
Reliable. Personable. Fast.
Start a fast, free auto insurance quote with Alico. We help you find any insurance coverages that are right for you, so you’re not paying for anything you don’t want!
Get a insurance quote – typically in 2 minutes or less. Switch to Alico for an insurance policy from a brand you can trust.
Facing any problem to get a quote!
Lorem ipsum dolor sit amet consecte tur adipiscing elit sed do eiu smod tempor incididunt ut labore.
Lorem ipsum dolor sit amet consecte tur adipiscing elit sed do eiu smod tempor incididunt ut labore.
Lorem ipsum dolor sit amet consecte tur adipiscing elit sed do eiu smod tempor incididunt ut labore.
Lorem ipsum dolor sit amet consecte tur adipiscing elit sed do eiu smod tempor incididunt ut labore.
Lorem ipsum dolor sit amet consecte tur adipiscing elit sed do eiu smod tempor incididunt ut labore.
Lorem ipsum dolor sit amet consecte tur adipiscing elit sed do eiu smod tempor incididunt ut labore.

Be prepared when the unexpected happens

Final Expense Insurance

No money down for the first 30 days S.A.A.K Insurance group
Get My FREE Quote — Apply In Minutes

What to Avoid

Buying insurance can be a daunting task, especially if you're not familiar with the industry. It's essential to get the right coverage to protect yourself, your family, or your business against financial loss. However, there are also pitfalls to avoid when purchasing insurance. In this blog, we'll explore what to avoid when buying insurance, and how Saak Insurance Group can help you make the right decision.
  1. Buying Too Little or Too Much Insurance:
  2. When purchasing insurance, it’s essential to get the right amount of coverage. Buying too little insurance can leave you vulnerable in case of a significant event, while buying too much can be a waste of money. You need to evaluate your needs and determine the right amount of coverage that fits your budget.
    Saak Insurance Group’s experienced agents can help you assess your insurance needs and recommend the appropriate coverage for your situation. They can also provide you with a range of coverage options and help you compare prices to find the best value for your money.

  3. Not Shopping Around:
  4. Another common mistake when buying insurance is not shopping around. Many people assume that all insurance companies offer the same coverage at similar prices. However, insurance companies can vary significantly in terms of the coverage they offer and the prices they charge.
    Saak Insurance Group works with multiple insurance carriers, giving you access to a broad range of insurance products and pricing options. They can help you compare policies and rates from different carriers to find the best fit for your needs and budget.

  5. Not Understanding the Policy:
  6. One of the most significant pitfalls when buying insurance is not understanding the policy. Insurance policies can be complex, and the language can be difficult to understand. You need to make sure you read the policy carefully and ask questions if you don’t understand something.

    Saak Insurance Group’s agents can help you understand your policy and the coverage it provides. They can explain the policy’s terms and conditions in plain language, ensuring that you have a clear understanding of what you’re paying for.

  7. Not Disclosing Relevant Information:
  8. When applying for insurance, it’s essential to disclose all relevant information to the insurer. Failing to disclose information can result in denied claims or even cancellation of the policy.
    Saak Insurance Group’s agents will ask you questions to determine the appropriate coverage and rates for your situation. It’s essential to answer these questions truthfully and accurately to ensure that you receive the appropriate coverage.

    In conclusion, buying insurance can be a complex process, and it’s essential to avoid these common pitfalls. Saak Insurance Group’s experienced agents can help you assess your needs, compare policies, understand your coverage, and make informed decisions. Contact Saak Insurance Group today to get started on finding the right coverage for your needs.

Head office address:

Chicago, IL
United States

Call for help:

Mail for information:

Head office address:

Chicago, IL
United States

Call for help:

Mail for information:

    Choose Your Coverage:


    No Medical Exam — Simple Application

    Low cost
    No increasing premiums
    Geared toward what the client’s needs are

    Apply Online

    Free Quote—Apply Online

    No Waiting Period

    No medical exam
    No increasing rate
    Easy application
    Life insurance

    What is final expense insurance?

    Final expense insurance is a type of life insurance with a smaller death benefit that is typically used to pay for funeral and burial expenses. It is intended for older persons who are prepared to make end-of-life plans, often age 50 and older, and is also referred to as burial insurance or funeral insurance.
    It can be bought as an additional policy to augment the benefits of other life insurance or as a type of guaranteed-issue insurance that doesn’t call for a medical evaluation. 

    Final expense insurance policies often have higher premiums and lesser payouts than many other types of insurance. Final expense insurance, however, could be simpler to qualify for than other types of plans if you are viewed as high-risk by insurance companies. It’s also a wise choice when you get older or have health issues.

    Need Solution For your Cremation Insurance?

    For any inquiries related to Cremation Insurance, feel free to speak to us personally by calling us during business hours.

    What expenses are covered by final insurance?

    To assist seniors in paying for costs associated with passing on, such as funeral bills, final expense insurance was developed. According to the National Funeral Directors Association, the average funeral can easily cost $10,000 or more when you factor in embalming, the service, and the burial.  

    An insurance policy for final expenses helps you budget for everything associated with the normal cost of a funeral, including:
    • Rental costs for cemeteries
    • An additional fee for a viewing, service, or memorial package at the funeral home
    • If you select burial, transportation to and from the cemetery
    • Expenses associated with a burial, such as the cost of a plot, a gravestone, and a casket
    • Costs of embalming, assuming you want an open casket
    • Costs associated with cremation, such as a cremation casket or urn and transportation of your remains, if you choose to be cremated.
    • The service cost for the officiant
    • Further details, such as the ceremony, music, and flowers, for your farewell
    Your loved ones can utilize the payoff from a final expense plan however they see fit because it is unconditional. The money from a final expense insurance policy is frequently used by families to pay for expenses like:
    • Medical costs, hospice care, or other costs associated with death.
    • Other bills, such as credit cards or auto loans.
    • Everyday costs for your companion.
    • A bequest to your children or grandchildren.

    Consider all of these expenses when choosing how much final expense insurance to purchase. You can determine a payout amount with the assistance of a life insurance adviser.

    Types of final expense insurance
    Final expense plans are typically simpler to qualify for than regular term or permanent life insurance plans because they are designed for older persons. To get accepted, you won’t need to undergo a medical examination, and approval usually happens swiftly.

    Final expense insurance is sometimes a sort of perpetual life insurance, which means that as long as you keep paying your premiums, you’ll be protected for the rest of your life. No matter what happens to your health after you acquire a final expense plan, your insurance provider is required to provide coverage. 

    The two primary types of final expense insurance are as follows:

    Simplified issue

    For individuals who deal with modest health conditions and might not be eligible for conventional plans, the simplified issue is regarded as the best kind of permanent insurance. As part of the approval procedure, applicants complete a health questionnaire rather than a physical test. This enables the insurer to calculate your premium costs and coverage alternatives while also evaluating the level of risk. You can frequently get accepted immediately if you submit a brief application and don’t need to wait for test results.

    The simplified issue gives greater coverage amounts than other no-exam policies while also typically being the cheapest type of last-expense insurance. 

    Guaranteed Issue

    The ideal candidates for the guaranteed issue are those with major medical issues who cannot be covered by any other kind of insurance. With no medical exam, health questions, or other health requirements, this plan can be issued quickly. These plans typically offer smaller coverage amounts due to the higher risk, and you may pay much more for your insurance than with a simplified issue plan. Yet, the guaranteed issues can assist you in obtaining the security you and your family require if you have previously been denied coverage owing to health issues.

    Remember that graded benefits are frequently associated with guaranteed issues, meaning that the full benefit is not paid out until the policy has been in force for a specific period of time. If you pass away in the interim, your family can get a smaller payout or get the premiums they paid back. 

    Ready to Get Started?

    I bet you're wondering what SAAK Insurance Group can do for you? Book a Call and we'll tell you about our services!