Discount Burial Insurance

Life Insurance to pay for your funeral and burial provides your loved ones with the security and protection they need, when they need it most.

But, how can you find an affordable burial plan to provide for your final expenses?

Burial insurance rates are based on your age, health, occupation, hobbies, and other risk factors that may affect how long you are expected to live.

Burial Expense Plans provide money for final expenses including your burial, funeral fees, probate, legal fees, casket and tombstones.

The National Funeral Directors Association indicates the average cost of a funeral exceeds $6,700 not including medical and legal expenses.

Discount Burial Insurance Quotes

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According to the American Association of Retired Persons (AARP), funerals and burials are among the most expensive purchases older Americans make. The average cost for an adult funeral ranges from $4,500 to $5,500. About one-third of that goes to the cost of the casket alone. In addition, an In-ground burial can add another $2,400 to the total cost of final expenses.

Overview of the Major Comp Programs

Before we dive into the intricacies of blackjack and poker comps, I thought it might be a good idea to take a quick crash course on comp programs.

Thanks to the corporate conglomeration that has dominated the casino industry in recent years, most gamblers have two major comp programs to choose from – M Life and Total Rewards.

The M Life program is operated by MGM Resorts International, while Total Rewards is a product of Caesars Entertainment.

If you enjoy visiting sunny Las Vegas for a stroll along the Strip, chances are good you’ll wind up in a casino owned by one of these behemoths. And I’m not talking about the MGM Grand or Caesars Palace flagship properties, as the two companies own dozens of casinos between them.

Check out the list below for a full accounting of MGM-owned properties on the Strip where the M Life card is used to track and distribute comps:

ARIA Las Vegas
Bellagio Las Vegas
Excalibur Hotel and Casino
Luxor Las Vegas
Mandalay Bay Resort and Casino
MGM Grand Las Vegas
The Mirage Las Vegas
Monte Carlo Resort and Casino
New York New York Hotel and Casino
And below, you’ll find the Caesars-owned casinos on the Strip where the Total Rewards card is accepted:

Bally’s Las Vegas
Caesars Palace
The Cromwell Las Vegas
Flamingo Las Vegas
Harrah’s Las Vegas
The LINQ Las Vegas
Paris Las Vegas
Planet Hollywood Las Vegas
Rio All Suite Hotel & Casino
Expanding the scope outside of Sin City, these are the MGM-brand casinos worldwide where M Life membership is accepted:

Beau Rivage – (Biloxi, Mississippi)
Borgata – (Atlantic City, New Jersey)
The Water Club – (Atlantic City, New Jersey)
Gold Strike Casino Resort – (Tunica Resorts, Mississippi)
Grand Victoria – (Elgin, Illinois)
MGM Grand Detroit – (Detroit, Michigan)
MGM National Harbor – (National Harbor, Maryland)
MGM Springfield – (Springfield, Massachusetts)
MGM Grand Sanya – (Sanya, Hainan, China)
MGM Macau – (Macau, China)
Bellagio Shanghai – (Shanghai, China)
And finally, take a look below for the full list of Caesars-owned casinos worldwide where Total Rewards membership is accepted:

Bally’s Atlantic City – (Atlantic City, NJ)
Caesars Atlantic City – (Atlantic City, NJ)
Caesars Windsor – (Windsor, Ontario, CA)
Harrah’s Ak-Chin Casino – (Phoenix, AZ)
Harrah’s Atlantic City – (Atlantic City, NJ)
Harrah’s Cherokee – (Cherokee, NC)
Harrah’s Cherokee Valley River – (Cherokee, NC)
Harrah’s Council Bluffs – (Council Bluffs, IA)
Harrah’s Gulf Coast – (Biloxi, MS)
Harrah’s Joliet – (Joliet, IL)
Harrah’s Lake Tahoe – (Lake Tahoe, NV)
Harrah’s Laughlin – (Laughlin, NV)
Harrah’s Louisiana Downs – (Bossier City, LA)
Harrah’s Metropolis – (Metropolis, IL)
Harrah’s New Orleans – (New Orleans, LA)
Harrah’s North Kansas City – (North Kansas City, MO)
Harrah’s Philadelphia – (Philadelphia, PA)
Harrah’s Reno – (Reno, NV)
Harrah’s Resort Southern California – (Valley Center, CA)
Harvey’s Lake Tahoe – (Lake Tahoe, NV)
Horseshoe Casino Baltimore – (Baltimore, MD)
Horseshoe Bossier City – (Bossier City, LA)
Horseshoe Council Bluffs – (Council Bluffs, IA)
Horseshoe Hammond – (Hammond, IN)
Horseshoe Casino Tunica – (Tunica, MS)
Horseshoe Southern Indiana – (Elizabeth, IN)
Tunica Roadhouse – (Tunica, MS)
Along with these titans of the gambling industry, you’ll also come across a few smaller casino chains like Boyd Gaming or Stations. And of course, the over 400 tribal casinos operated on reservation land nationwide have their own in-house players club cards.

These smaller casinos tend to model their comp system after the big boys, however, so I’ll stick with M Life and Total Rewards going forward for the sake of clarity.

For both of these programs, you’ll also have two main forms of comp credits to work with – base points and tier points.

A base point equates to $0.01, so you’ll need to score 100 of them to add $1 to your comp account. Base points effectively serve as cash in an affiliated casino, so you can use your accumulated points to purchase that morning latte or some headphones from the gift shop.

A tier point doesn’t have cash value per se, but these points are how you climb through the ranks of either M Life or Total Rewards. You can visit the overview pages for each program that I linked to above to learn about the various tiers used in each. But put simply, accumulating tier points grants you access to a higher tier in the program, which in turn unlocks additional perks. Think priority access at the cashier’s cage line, free valet and parking, tickets to the in-house show, and even free rooms.

Now that you know who is handling your comps and where the players club cards in your wallet are accepted, let’s see exactly how they work for both blackjack and poker.

How to Find Profitable Video Poker Opportunities

Everyone has their favorite casino games and everyone wants a chance to win some money while playing these games. Some people are more interested in playing as long as possible than having the best chance to win on any given trip.

Video poker offers some of the best chances to extend your bankroll at the same time as having a chance to land a big win. The secret is finding a machine that offers a high percentage return to the player and learning to play using the best possible strategy.

Every game requires a different strategy, but there is a correct way to play every hand of video poker. Even in a situation that loses in the long run, there is a way to play that loses the least amount of money.

Jacks or Better and Deuces Wild
In addition to learning the best strategy you have to be able to find machines that offer the best payouts. I know I mentioned this already, but if you can’t find a machine it doesn’t matter how good it pays or how well you know the strategy.

For example, there are a few video poker machines that pay back over 100% with perfect strategy but they are almost impossible to find. This post concentrates on a couple popular video poker variations that are fairly easy to find, Jacks or Better and Deuces Wild.

You can find many different pay tables with some offering better payback percentages than others. Here are the pay tables that you need to find to have the best chance to win while playing video poker. (There are a few better pay tables available for Deuces Wild, but this is by far the most common “good” pay table you will find.)

The best Jacks or Better pay table is often called a 9 / 6 which stands for the pay back for a full house and a flush. The return is over 99.5% with perfect strategy on a 9 / 6 machine. Here is the complete pay table.

800 Royal Flush
50 Straight Flush
25 Four of a Kind
9 Full House
6 Flush
4 Straight
3 Three of a Kind
2 Two Pair
Pair of Jacks or Better
The most common favorable Deuces Wild pay table is called a “not so ugly ducks” machine. You may see this referred to as NSUD. The pay back percentage with perfect strategy is over 99.7%. Here is the complete NSUD pay table.

800 Natural Royal Flush
200 Four Deuces
25 Wild Royal Flush
16 Five of a Kind
10 Straight Flush
4 Four of a Kind
4 Full House
3 Flush
2 Straight
Three of a Kind
The next step after finding the best machines is using the best strategy. I suggest picking up one of the strategy cards that are about the size of a credit card and using it while playing. This way you can always see the best play.

Comps and Player’s Clubs
When you play the machines listed above giving the house less than a half percent edge you can play longer and keep playing long enough to give yourself the best chance at winning a top payout by hitting a natural royal flush.

You also should always combine your video poker play with as many comps as possible. Most casinos have a player’s club that you can join that rewards you for your play. You may earn cash back, free hotel stays, free meals or many other types of benefits.

Even if your rewards don’t include any actual cash, they are still worth something. If you get a free meal that would have cost you $20, it’s the same as winning an extra $20 because it is money you didn’t have to spend.

Most casinos don’t pay back enough through their player’s clubs to let you consistently play with an advantage against them, but you may be able to play a break even game in the long run.

The majority of players don’t play correct strategy so the casinos take their money quicker. Sometimes player’s club benefits are determined based on everyone’s play so if you play perfect strategy you may be able to gain a small edge with your benefits.

Either way, if you always play using the best strategy and take advantage of the player’s club benefits you are doing everything you can to reduce the advantage the house has.

Video Poker Tournaments
Another area that can offer extended playing time on a set bankroll and / or a chance to play with a small edge over the house is playing in video poker tournaments.

A video poker tournament is a contest where the players play video poker for a set period of time. The players with the highest balance at the end of the pre-set time either moves to the next round of play or wins the prizes.

You may be able to find free video poker tournaments, but most of them have an entry fee.

You may be wondering how you could play with an advantage over the house in a video poker tournament. Here is an example.

Many tournaments have a minimum guaranteed prize pool and sometimes there aren’t enough entrants to cover the entire amount. This is called an overlay. If the guaranteed prizes total $1,000 and there is only $900 in entry fees, there is a $100 overlay. This creates a profitable situation for the entrants. On average, each entrant will win a percentage of the overlay based on how many entrants there are. In real life only the players who finish in the money enjoy the overlay, but if you put yourself in enough situations with an overlay you will come out ahead in the long run (Assuming you play at an average or above average level. This isn’t difficult if you use basic strategy.).

Conclusion
You can use video poker to extend your casino play and combine it with player’s club benefits to give yourself the best chance to win. Always play on the best machines, sign up for the player’s club and use the best strategy.