Final Expense Overview

Easily Cover Your Final Expenses

Did you know the average funeral, including a casket and vault, currently costs thousands of dollars?

Adding extras like flowers and obituary notices can add thousands of dollars more to the total cost. Many funerals can run into the tens of thousands.

If you passed away today, would your family have enough money to pay for your funeral expenses or hospital bills? Would your family continue to thrive without your income?


With Whole Life Insurance, you can help your family be prepared to handle your final expenses.

The death benefit may be used to pay for hospital bills, funeral arrangements, or even help with every day expenses.

Whole Life Insurance Offers You:

You will never have to worry about losing your coverage.

You can be covered no matter what your health history.

Just answer a few simple medical questions on the application.

The affordable monthly rate you start at will be the same rate you will pay for the life of the policy. Your coverage will not decrease or be canceled because of age or health.

*As long as premiums are paid and there are no loans or accelerations. **Issuance of policy may depend upon answers to medical questions. ***Subject to issue age limits and state availability.



Thank You for visiting our site.

Kramer & Kramer LLC is a Financial Services, Estate Planning, Investment and Retirement Planning Firm. Today, more than ever it is important to do your homework and due diligence to determine who is best suited to help you with your retirement and benefits planning decisions.


Our goal is to produce the confidence and financial independence that can be obtained from doing things the right way for the right reasons.


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FREE NO OBLIGATION Retirement Benefits Analysis.

It Takes A Team!

Together with you and other important professionals, we structure understandable plans for you and your most important assets, position you for a benefit loaded retirement and structure your estate with easy to maintain efficiency.

Take the First Step Today!

Our confidential review comes without charge and at the end, you will be in a position to make better decisions on your personal situation whether you decide to do business with us or not.

The best way we know to help you evaluate us is to put our best effort forward first and let you decide.

Questions! 623-974-1966

Inside the Brookside Bell Professional Plaza
15288 W. Brookside Ln Suite #135

Surprise, AZ 85374




We build safe, secure, guaranteed financial solutions free from market volatility with ample access to funds and income all accomplished in a tax-favored environment.

Estate Planning

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By appointment only, Thank You.

Kramer & Kramer Estate Planning
15288 W. Brookside Ln #135
Surprise , Arizona 85374
Phone: 623-974-1966 623-974-1966
Fax: 602-560-0267
E-mail Address:
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