MCIAGroup accredits over 80 percent of mortuaries in the country enabling the customers to have a preference and favorably opt which mortuary provide and serve better, unlike Pre-need Companies that most often accredits one mortuary only in an area, thus preventing customers to have freedom of choice in case it is needed.
MCIAGroup Memorial Service Package is a lot cheaper because it has no money growing features or riders (ROI or Loan) that make the Pre-need Plan expensive.
Another reason why MCIAGroup is cheaper is due to open competition of the accredited mortuaries that encourages them to give much better package at a lower cost (e.g. today’s walk in price of casket is 35,000 or even more), now become cheaper under MCIAGroup package for its members. They give incomparable discount to MCIA due to bulk order from MCIAGroup in the future, resulting to best available package of the lowest price.
MCIAGroup is 3 Person In 1 Plan, it insures 3 people during the paying period of the Memorial Service Package making possible the provision of weaver of balance for the 3 enrolled members in the Plan. In contrast, the One Person-One Plan makes a Pre-Need Plan expensive, because if the plan is to be served to another person other than the Plan holder, family will have to pay the remaining balance. To solve this, Pre-need companies let you purchase individually for each member of the family. Now imagine paying your monthly multiplied by 2 or 3? Now, that makes your Memorial Service Plan a luxury and less on necessity.
Other causes that will be considered illegible for coverage are, among others, alcohol and drug abuse, insanity, provoked assault resulting to murder, job related risks ( e. g. politicians, policemen, paramilitary activities) , voluntary exposure to danger( e. g. death inside a warring zone., death during a riot, revolution, rallies) and sexually transmitted diseases.
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