Genius Senior Benefits - Brad Dick
BRAD DICK
The Final Expense Planner • Genius Senior Benefits
(479) 216-8951
Northeast Arkansas Licensed Agent • Lic. #6064548

Senior Planning Journal: Wisdom, Peace & Protection

"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?'"

Articles, cost breakdowns, and spiritual encouragement from Pastor Brad Dick, known as "The Final Expense Planner." Helping seniors age 60 to 85 remove both the Emotional Trauma and the Financial Burden from their children.

Simple Options
Affordable Rates
Peace of Mind
Trusted Pastor
Brad Dick - Final Expense Planner
Pastor & Final Expense Planner

Brad Dick

Licensed Life Insurance Agent • Genius Senior Benefits

Limited Time GiftFree With Appointment
When Love Has to Say Goodbye book cover

"When Love Has to Say Goodbye"

Finding God in Grief and Preparing a Gift of Peace for Those You Love

Featured EditorialOctober 18, 2026 • 6 min read

Protecting Your Family From Life’s Two Most Difficult Conflicts

On one of life's most difficult days, someone will have to make some of life's most difficult decisions. Discover how to remove both the emotional trauma and financial burden before that day comes.

Pastor Brad Dick
Pastor Brad DickThe Final Expense Planner • Arkansas Lic. #6064548
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Family Peace6 min read

Protecting Your Family From Life’s Two Most Difficult Conflicts

On one of life's most difficult days, someone will have to make some of life's most difficult decisions. Discover how to remove both the emotional trauma and financial burden before that day comes.

Grieving families are forced to answer over 70 complex questions in the first 24 hours of a loss.
Most Arkansas funeral homes require full payment up front before preparations or services begin.
Pastor Brad Dick
Pastor Brad DickOctober 18, 2026
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Cost Breakdown8 min read

Arkansas Funeral Costs: Real Numbers on Burial vs. Cremation in 2026

Most Arkansas families are stunned by itemized funeral invoices. Here is an honest, line-by-line look at what burials and cremations actually cost across Northeast Arkansas.

The typical Arkansas traditional burial costs between $9,000 and $15,150+ when factoring cemetery fees.
Cremation with a memorial service typically ranges between $4,000 and $7,000 in Northeast Arkansas.
Pastor Brad Dick
Pastor Brad DickOctober 14, 2026
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Final Expense5 min read

Inside the Final Wishes Planning Guide: The Gift Every Child Hopes For

Why the greatest gift you can leave your children isn't financial—it is the clarity and peace of your exact wishes written in a personal planning workbook.

The Final Wishes Planning Guide is a comprehensive, non-sales workbook designed specifically for seniors.
It captures critical administrative details: bank accounts, policy locations, and safe deposit keys.
Pastor Brad Dick
Pastor Brad DickOctober 10, 2026
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Final Expense7 min read

How Final Expense Insurance Works for Seniors Age 60 to 85 (No Medical Exam Required)

Worried that health history or pre-existing conditions will disqualify you? Learn how simplified final expense life insurance protects seniors with guaranteed fixed rates.

Final expense plans require NO doctors, needles, blood tests, or physical examinations.
Approval is determined through a few straightforward health questions and prescription checks.
Pastor Brad Dick
Pastor Brad DickOctober 06, 2026
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Pastoral Guidance5 min read

Finding God in Grief: Reflections from 'When Love Has to Say Goodbye'

Spiritual comfort and pastoral wisdom for families walking through the valley of the shadow of death, based on Pastor Brad Dick's complimentary grief book.

Grief is not a lack of faith; it is the natural expression of deep, holy love.
Preparing your final arrangements is an act of Christian stewardship and pastoral love.
Pastor Brad Dick
Pastor Brad DickSeptember 29, 2026
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Pastoral Guidance6 min read

The 5 Questions Every Senior Must Answer for Their Children Before That Day Comes

Avoid family conflict and heartbreak. Here are the five critical questions your children cannot answer without you, and how to put them in writing today.

Question 1: Do you prefer traditional burial or cremation?
Question 2: Where are your primary legal, insurance, and banking records located?
Pastor Brad Dick
Pastor Brad DickSeptember 20, 2026
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Arkansas Funeral Planning7 min read

Arkansas Death Certificates & Probate: A Gentle Walk-Through for Families

When a loved one passes, paperwork feels overwhelming. Here is a calm, plain-English guide to death certificates, probate, and the steps that follow a loss in Arkansas.

Arkansas requires a certified death certificate for nearly every estate task — order 6 to 10 copies from the start.
The funeral home or crematory files the death certificate; your family simply provides the personal information.
Pastor Brad Dick
Pastor Brad DickOctober 15, 2026
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Cost Breakdown8 min read

Veterans' Burial Benefits: A Plain-English Guide to What the VA Covers in Arkansas

Many Arkansas veterans and their spouses leave VA burial benefits on the table. Here is exactly what is covered, what is not, and how to plan around the gap.

Honorably discharged veterans may receive a free gravesite, government headstone, and burial flag at a VA national cemetery.
A military funeral honors detail can be requested for any eligible veteran's service, even at a private cemetery.
Pastor Brad Dick
Pastor Brad DickOctober 12, 2026
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Family Peace6 min read

How to Talk With Your Children About Your Funeral Plans (Without It Getting Awkward)

Your children don't want to picture this day — and that is exactly why you need to talk about it. A pastor's guide to starting the conversation with grace and love.

Most adult children avoid the funeral conversation out of love, not denial — they need your permission to engage.
Frame the talk around protecting them, not preparing for death.
Pastor Brad Dick
Pastor Brad DickOctober 08, 2026
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All 75 Arkansas Counties

Find a Cemetery or Funeral Home in Your Arkansas County

Search our growing directory of funeral homes, cemeteries, and crematories across Arkansas — with extra detail for Brad's Northeast Arkansas service area. Then sit down with Pastor Brad to walk through your wishes, free of charge.

Open the County Directory →

75

Counties

40+

Listings

5

Regions

Plan With Real Numbers

What Will a Funeral Actually Cost Your Family?

Most Arkansas families are surprised by the true, itemized total. Use this free interactive funeral cost calculator to see real numbers—and prepare before that day ever comes.

Free Interactive Arkansas Tool

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.

Burial Estimated TotalHigher Cost

$14,150

Typical Arkansas burial: $9,000 – $15,000+

Cremation Estimated TotalLower Cost

$4,450

Typical Arkansas cremation: $4,000 – $7,000

Choosing cremation could save your family around $9,700 — but either way, Arkansas funeral homes require the full amount up front before services begin.

Adjust Each Cost to Match Your Wishes

Funeral Home Basic Services Fee

Required non-declinable fee covering professional staff, filing death certificates, and state permits.

Burial$2,200
Cremation$1,500

Casket or Cremation Container

Burial requires a solid wood or metal casket; cremation uses a simple eco-friendly container.

Burial$2,500
Cremation$150

Burial Vault / Outer Burial Liner

Most Arkansas cemeteries require a concrete vault to prevent ground settling over the grave.

Burial$1,500
Cremation$0

Embalming & Body Preparation

Sanitary care and cosmetic preparation, required for open-casket visitations or viewings.

Burial$750
Cremation$0

Viewing, Chapel & Staff Use

Facility use for family visitation, prayer services, and the formal funeral/memorial ceremony.

Burial$1,100
Cremation$600

Hearse & Funeral Transportation

Specialized coach transport of the deceased from the facility to the cemetery or crematory.

Burial$450
Cremation$250

Cemetery Plot or Columbarium Niche

Ground burial plot or a dedicated memorial columbarium niche for cremated remains.

Burial$2,000
Cremation$900

Grave Opening & Closing

Cemetery heavy equipment and labor fee to excavate and refill the burial plot.

Burial$1,200
Cremation$0

Headstone, Marker or Urn

Granite/bronze grave marker for burial, or a dignified engraved urn for cremation.

Burial$1,500
Cremation$350

Flowers, Programs & Obituary

Casket spray floral arrangements, color memorial booklets, and local newspaper tributes.

Burial$650
Cremation$400

Certified Death Certificates & Permits

Certified state copies ($21 each in Arkansas) required for insurance, banks, and titles.

Burial$300
Cremation$300

Don't Leave This Bill For Your Children

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 hrsFast Cash Payout to Family
NeverRates Never Increase with Age
$0Medical Exam Required

Free, no-pressure consultation with Pastor Brad Dick.
Licensed in Arkansas (Lic. #6064548).

Final Wishes Planning Guide Cover
Your Personal Wishes Workbook

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 by Pastor Brad Dick.

Personal information & key family contacts
Cemetery, burial, or cremation preferences
Favorite hymns, music, and scripture verses
Pallbearer and eulogy speaker preferences
Location of insurance policies & bank accounts
Special messages or memories for grandchildren