Out of Area Protection Plan


  • 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. 

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