Protect Your Family From Life’s Two Most Difficult Conflicts
"On one of life's most difficult days, someone is going to have to make some of life's most difficult decisions. They will wrestle with the thought: 'Am I doing the right thing? Am I doing what they wanted?'"
I am Brad Dick, known as "The Final Expense Planner." I help seniors age 60 to 85 remove both the Emotional Trauma and the Financial Burden from their children and grandchildren before that day comes.
Brad Dick
Licensed Life Insurance Agent • Genius Senior Benefits
"When Love Has to Say Goodbye"
Finding God in Grief and Preparing a Gift of Peace for Those You Love
By Pastor Brad Dick
How We Prepare a Gift of Peace for Those You Love
When a passing occurs, families face two overwhelming battles simultaneously. As a pastor and licensed final expense planner, my mission is to eliminate both.
The Emotional Trauma
In the middle of heartbreak, grieving children are asked dozens of painful questions: "What songs did they want?", "Casket or cremation?", "Who should speak?", "Where are the key documents?"
The Solution: Free Final Wishes Planning Guide
By completing your guide, you write down every detail in advance. You replace guesswork and guilt with clear, loving instructions.
The Financial Burden
Today, average funeral and final expenses range from $8,000 to $15,000+. Most funeral homes require payment up front before services begin, forcing families to scramble or charge credit cards.
The Solution: Simple, Low-Cost Final Expense Plan
Small, guaranteed monthly coverage that pays cash directly to your designated beneficiary tax-free, usually within 24 to 48 hours.
Inside Your Free Final Wishes Planning Guide
This is not a high-pressure sales pitch. It is a thoughtful, comprehensive planning journal designed specifically for seniors and their families.
What Will a Funeral Actually Cost Your Family?
Most families are surprised by the true, itemized total. Use this free Arkansas funeral cost calculator to see it for yourself — and prepare before that day ever comes.
Final Expense Budget Calculator
See the real, itemized cost of a funeral in Arkansas. Adjust each line to match your wishes — then learn how a small final expense plan can cover every dollar.
$14,150
Typical Arkansas burial: $9,000 – $15,000+
$4,450
Typical Arkansas cremation: $4,000 – $7,000
Choosing cremation could save your family around $9,700 — but either way, the full amount is due up front, before services begin.
Adjust Each Cost To Match Your Wishes
Funeral Home Basic Services Fee
Required non-declinable fee covering staff, paperwork, and permits.
Casket or Cremation Container
Burial uses a casket; cremation uses a simple container.
Burial Vault / Outer Container
Most Arkansas cemeteries require a vault to prevent ground settling.
Embalming & Body Preparation
Often needed for viewing or open-casket services.
Viewing, Chapel & Staff Use
Use of facilities for visitation and the service itself.
Hearse & Transportation
Transport of the deceased to the funeral home and cemetery.
Cemetery Plot or Niche
Burial plot vs. a columbarium niche for cremated remains.
Grave Opening & Closing
Cemetery labor to dig and refill the burial site.
Headstone, Marker or Urn
A grave marker for burial, or an urn for cremation.
Flowers & Memorial Programs
Floral arrangements, prayer cards, and printed programs.
Death Certificates & Notices
Certified copies (~$21 each in Arkansas) and obituary listings.
Don't Leave This Bill For Your Family
Funeral homes require payment before services begin. A final expense life insurance plan pays tax-free cash directly to your beneficiary — usually within 24 to 48 hours — so no one has to scramble, borrow, or guess what you would have wanted.
24–48 hrs
Payout speed to your family
Never
Rates that increase with age
$0
Medical exam required
Free, no-pressure consultation with Brad
Estimates reflect Arkansas averages and are for planning purposes only. Actual costs vary by provider and the choices your family makes.
Receive A Free Copy of
"When Love Has to Say Goodbye"
"Finding God in Grief and Preparing a Gift of Peace for Those You Love" — By Pastor Brad Dick
Written from Brad’s decades of pastoral experience standing alongside families in times of loss, this comforting book offers gentle spiritual encouragement, practical guidance for navigating grief, and wisdom for leaving a lasting legacy of love.
Limited Time Offer: A physical copy of this book will be given to you free of charge when you meet with Brad for your free consultation.
Schedule Your Free Planning Appointment
Pick a comfortable day and time. Brad will review your wishes, walk through the Planning Guide, and give you your free book copy.
Frequently Asked Questions
Straightforward answers for seniors age 60-85 and their family members.
Is a medical exam or blood test required to qualify?
In almost all cases, NO medical exam or blood test is needed. Qualification is based on simple health questions that take just a few minutes to complete.
Will my monthly rates ever go up as I get older?
Never. Once your plan is issued, your monthly premium is locked in for life and will NEVER increase, regardless of age or changes in your health.
Does the policy payout expire or shrink?
No. The benefit amount is guaranteed permanently as long as premiums are paid, and the policy cannot be cancelled due to aging or health.
How fast does my family receive the funds when needed?
Final expense insurance is designed for speed. Claims are processed urgently—typically paying tax-free cash directly to your family within 24 to 48 hours of filing.
Is there any obligation when I meet with Brad or download the guide?
None whatsoever. Brad provides consultations with zero pressure, serving as a trusted advisor to help you make informed decisions for your family.