Pagan Agency

"Your Life. Your Family. Covered with Care & Peace of Mind."

Now don't forget, to get life insurance for yourself to protect your family.

For life's unexpected curve balls, that STOPS us ALL dead in our tracks. Life Insurance/Final Expense Insurance protection minimizes the impact to our families should we pass away.

As an Insurance Broker, it allows me to shop around with ALL the top-rated carrier with premiums that fits your needs and budget.

According to a April 2025 publication for the Social Security Administration, only a lump sum of $255 is available if a loved s one should die.

But the average cost of a Cremation is between $3k - $7k

Burials is between $10k - $20k

Your Type of Insurance Goal

Term Life - Usually cheaper and recommended. It provides coverage for a given time frame, generally between 10, 20 or even 30 years. When the years are up, so to is the policy. It will expire.

Final Expense - Is great for those who can't get insurance due to age or health, but wants to ease the financial burden for loved ones. It is affordable, because of the low cost. It builds cash value over time and you can borrow from it or use it as collateral during your lifetime. Coverage is GUARANTEED. The policy CANNOT be cancelled, even if your health worsens over time. The death benefits can be used for WHATEVER a beneficiary decides is best. Nest egg, mortgage payment, credit card debt and more.

Guaranteed Issued Final Expense Insurance - is for people with serious health issues and will only qualify for a policy that DOES NOT require medical questions, an exam or medical records. Will ONLY qualify for policies with 2-3 year waiting period, before benefits will be paid. If the insured dies during the waiting period, the beneficiaries WILL NOT receive the policy benefits. They WILL ONLY receive a return of the premiums the policyholder paid plus interest, usually at an annual rate of 10%.

Graded Benefits Final Expense Insurance - has a partial waiting period. This type of insurance might pay 30% to 40% of the death benefits if the insured dies during the 1st year of the policy being in forced. It then might pay 70% to 80% if the insured dies during the 2nd year. But if the insured dies after those first two years, then their policy would pay out 100% of the death benefits.

Permanent Life (Whole, Universal and Variable Life) - Whole Life is a lifelong policy that guarantees benefits to beneficiaries when you die and premium will always stay the same. Universal Life are also lifelong policy, but they offer more flexibility than the whole life. You can change the benefit amount & monthly payment to fit your needs over time. It guarantees to pay death benefits and build cash value. Variable Life is a policy that invest a portion of your policy in the stock market. This Agency doesn't handle variable life policies.

Footnote: Final expense insurance benefits can be used for whatever the beneficiary wishes it for.

Insurance from an Employer: These type of policies end when the employment has ended. Unless the employee inquires of it's employer, if the policy is a portability insurance policy, which is a continuation of group insurance with the group rate. PORTING a policy must be done 45 days before the premium renewal date, but no earlier than 60 days from the premium date of his/her existing policy.

North Carolina Notary Service Available

Per the North Carolina General Assembly:

The maximum fees that may be charged by a notary for notarial acts are as follows:
(1) For acknowledgments, jurats, verifications or proofs, ten dollars ($10.00) per notarized principal signature.
(2) For oaths or affirmations without a signature, ten dollars ($10.00) per person, except for an oath or affirmation administered to a credible witness to vouch
for the identity of a principal or subscribing witness.
(3) For an electronic acknowledgement or, jurats, fifteen dollars ($15.00) per electronically notarized principal signature.
(3a) For an electronic oath or affirmation without a signature, fifteen dollars ($15.00) per person, except for an oath or affirmation administered to a credible witness to vouch for the identity of a principal or subscribing witness.
(4) For remote notarization under Part 4A of Article 2 of this Chapter, twenty‑five dollars ($25.00) per notarized principal signature.
(5) For any notarial act under this Chapter, actual mileage at the federal business mileage rate if the travel reimbursement is agreed to by the principal in writing prior to the travel.

Hours of Operation

Mon - Wed 10Am - 3PM

Thurs & Friday 10AM - 5PM

Saturday be appointments only

Sunday CLOSED

Pagan Agency - TPG

NPN #19927182

Notary #202523400325

Address

2812 Ramsey St #8034

Fayetteville, North Carolina 28301

#762-233-2644

betsypagan219@outlook.com

www.prudent-pet.net/pagan-agency

Betsy Pagan

Licensed Insurance Broker & NC Notary Public