How It Works

If death occurs 75 miles or more from the legal residence, we will arrange for the deceased to get back home.

Just simply give us a call and we will get everything in motion while letting you know what’s going on every step of the way. If you move, so does your Sepio Guard Service Agreement (within the continental United States).


Lifetime coverage and protection
Return of mortal remains when you are 75 miles or more away from your legal residence, anywhere in the world
We will provide a selected, licensed funeral home to care for the deceased
We will arrange everything for the preparation of the deceased before transport (including embalming or cremation if necessary for lawful transportation). 
Arranging for the transportation of the deceased to the selected licensed funeral home
Keep you up to date as the deceased is shipped to the selected, licensed receiving funeral home
No claim forms, no deductions, no age limits, no health questions
No transport dollar limits
Provide all documents including customs documents or diplomatic issues involved anywhere in the world

The Fine Print

Primary residence needs to be in the continental United States, where at least 180 days is spent per year.
If a Sepio Guard Service Agreement is purchased while away from the primary residence, the coverage does not begin until member returns to their primary residence.
If a member who is paying their Sepio Guard Service Agreement off over 12 months passes away, the remaining payments are forgiven, and the member receives the full benefit.
If you haven’t selected a funeral home before death, we will help your family members choose one for you.

•  You may terminate this agreement and get a full
refund at any time within 30 days of the date you entered into this agreement. Please download our Transport Guarantee Service Agreement below for more information.

Download the Transport Guarantee Service Agreement
with a complete explanation of benefits.