USAA - Winter 2013 - (Page 29)

Help Your Family With Final Expenses A life insurance policy can help families cover funeral costs and other end-of-life expenses. PHOTOGRAPHY BY TYAZOLINOGIRL/GETTY IMAGES; SELECTSTOCK/GETTY IMAGES Funerals can be costly and stressful for families already dealing with the loss of a loved one. A life insurance policy can help ensure that during this difficult time, the costs of a funeral or burial do not overwhelm surviving family members. A whole-life policy through USAA Life can be used for expenses such as the costs associated with funerals and burials, which average $15,000 to $20,000, according to Greg Riedel, director of life insurance product management for USAA. These costs can include burial expenses, hotel and lodging for family members, and other logistics, Riedel says. One important feature of this type of policy is that it can be paid in full when the policyholder dies. Unlike some common burial policies, which may return only the amount of money paid into the policy if the insured dies within two years of obtaining the policy, a whole-life policy through USAA Life can provide the full benefits to the family. The policy is a fully underwritten whole-life policy, meaning you apply for it just as you would any life insurance policy. To learn more, visit usaa.com/life or call 800-531-5338. Your death benefit can be reduced by the amount of a loan or withdrawal and therefore reduce your death benefit. If death is caused by suicide within the first two years (1 year in CO, MO, and ND) your total death benefit is reduced to the amount of premiums paid. Coverage lasts provided you continue to pay sufficient premiums. See legal information on page 30. usaa.com Advertise Your Car for Free Sell to members and USAA Certified Dealers through the USAA Car Buying Service. Trying to sell your car? How can you get people to see your car among the thousands of other cars but avoid haggling with a dealer over the price? Using your computer or the USAA Mobile app for iPhone and Android, you can upload information about your car to the USAA Car Buying Service for free. Other USAA members using the USAA Car Buying Service to shop for cars will be able to see your listing and send you their contact information. You also may be able to receive a guaranteed offer from a USAA Certified Dealer. You can do it all from your mobile device. It's as easy as walking to your driveway, taking pictures with your mobile device, filling in some information and uploading it to the USAA Car Buying Service. Just like that, your car is now visible to other USAA members searching for used cars in your area. To learn more, download the USAA Mobile App or visit usaa.com/carbuying. WINTER 2013 USAA Magazine 29 http://www.usaa.com/lifeinsurance https://www.usaa.com/inet/pages/car_buying_services_products?wa_ref=USAAmag http://www.usaa.com

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USAA - Winter 2013