Licensed Insurance Agency · Multiple States · NPN #20199048
A FREE WORKSHOP · FOR ADULT CHILDREN
If your parent passes tomorrow, you're the one in charge. Are you ready?
How to have the hardest conversation of your life — and ensure your family isn't left scrambling for $30,000 when grief hits.
When: [DATE] at [TIME]
Where: Live on Zoom
Cost: Complimentary
Charaka C. Cook
Founder & CEO · The Cook Group
THE TRUTH MOST FAMILIES LEARN TOO LATE
Six months from now,
you'll be in one of two places
Either sitting peacefully knowing your family is protected —
or standing in a funeral home parking lot with a calculator, wishing you'd had this conversation sooner.
The average funeral now costs $9,420. Add outstanding medical bills, lingering debts, and the cost of keeping a household running through the hardest week of a family's life — and most families are looking at $15,000 to $30,000 in unexpected expenses.
Here's what I see week after week: adult children calling our office in the middle of a crisis. The parent passed suddenly. The family is devastated. And now they're trying to figure out how to come up with $25,000 while planning a funeral — but it's usually too late to do much about it.
The good news? If you start the conversation now — with the right framework — you can put protection in place for less than most families imagine. Starting around $40 a month for healthier parents, and typically $80–$120 for parents with health issues. Well within reach for most families. This workshop will show you exactly how.
Sources: NFDA 2024 General Price List Survey · LIMRA 2024 Insurance Barometer Study · LIMRA Life Insurance Coverage Gap Report
Meet Charaka
Charaka Cook is the Founder & CEO of The Cook Group Insurance Agency. For more than a decade, she has personally walked over 1,000 families through the conversation most people never have — helping each one put protection in place that's still serving them today.
Her mission is bigger than policies: to bridge the wealth gap by protecting families through life insurance — one household at a time. As an independent broker, The Cook Group can shop across multiple carriers — including a guaranteed-acceptance carrier for parents with serious health conditions — which means clients get the right fit for their specific situation, not whatever one carrier happens to offer.
In 45 minutes, you'll have a plan
Four frameworks you can use this week — even if your parent is over 75, has health issues, or has been refusing to discuss this for years.
The Conversation Framework
The exact words to use when bringing this up to your parent — including what to do when they say "I don't want to talk about this" or "I'm not ready to die yet." Works whether you have an hour together or three weeks of phone tag ahead of you.
The Coverage Formula
How to calculate exactly how much your family actually needs (most people are off by 50% in either direction). Not a generic rule of thumb — a four-line worksheet built around your parent's real debts, assets, and final wishes.
The 3 Deadly Myths
The myth about "insurance through work," the myth about "Mom already has a policy somewhere," and the myth about "we can just use savings" — each one leaves families scrambling for money during the worst week of their lives.
The 5 Expensive Mistakes
From buying the wrong type of policy to letting an old one quietly lapse — these are the mistakes I see families make week after week. Each one costs $10,000 to $50,000 when it matters most.
Reserve Your Seat
You're one step away from joining our FREE live workshop that can help you protect the people you love most.
The Cook Group
Date
Saturday, May 31, 2025
Time
10:00 AM – 10:45 AM EST
Where
Live on Zoom
Duration
45 Minutes
Save Your Spot
Fill out the form below to reserve your seat for this free workshop.
What You'll Walk Away With
Before you register
Is this really free?
Yes. Completely free. No card, no surprise charges, no upsell during the workshop. The free consultation offered at the end is also free.
Will you try to sell me something during the workshop?
No. At the end of the workshop I'll share information about a complimentary 30-minute consultation, but there's no pitch during the workshop itself. The 45 minutes are pure education — frameworks, scripts, and the formula. My goal is for you to leave with a plan, whether or not you ever talk to me again.
What if my parents already have life insurance?
Perfect. The workshop covers how to evaluate existing coverage — most policies people assume are adequate turn out to have gaps that surprise the family later. You'll leave knowing what questions to ask and what red flags to look for.
What if my parents have health issues?
This workshop is designed for exactly that situation. We cover options for parents with diabetes, heart conditions, recent hospitalizations, and other common concerns. The Cook Group works with a guaranteed-acceptance carrier that covers serious health conditions — most adult children assume their parent is uninsurable, and they're usually wrong.
Can I watch the replay if I can't make it live?
A 48-hour replay window is available for registered attendees after the live workshop. We don't release the replay publicly because the Q&A often contains personal questions from attendees. Register either way and you'll get access.
What if my parent lives with me, or I'm a caregiver?
Even more important that you're here. Caregivers often shoulder more of the financial impact when a parent passes — both during and after. The workshop has a specific section on caregiver situations and how to think about coverage when you're already handling so much.
Don't let another month go by
The conversation only gets harder the longer you wait.
Health changes. Premiums increase. Some carriers stop offering coverage at certain ages. The single most expensive mistake adult children make is putting this off "until next year."
The workshop is free. It takes 45 minutes.
It will give you a plan instead of a panic.
Save My SeatLicensing & Identification
The Cook Group LLC, doing business as The Cook Group Insurance Agency, is a licensed insurance agency. Agency NPN #20199048. Charaka C. Cook, individual licensed insurance producer, NPN #17112804. Licensed in: Alabama, District of Columbia, Florida, Georgia, Kentucky, Louisiana, Maryland, Massachusetts, Mississippi, Missouri, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia.
Disclosures
This is a solicitation of insurance. All insurance products are offered through The Cook Group Insurance Agency and underwritten by licensed insurance carriers. Coverage is subject to underwriting approval; not all applicants will qualify. Premium rates are subject to state approval and may vary by state. Certain products include a graded benefit period — full benefits may not be available during the first 24 months of coverage.
This workshop and any materials provided are educational and do not constitute insurance advice, a recommendation to purchase, or a guarantee of coverage. Individual results vary based on age, health, carrier underwriting, and other factors.
Questions or complaints regarding our services may be directed to 888-535-9909 or [email protected].
The Cook Group Insurance Agency · 424 Pinehaven St Ext, Laurens, SC 29360 · 888-535-9909 · [email protected]
© 2026 The Cook Group LLC · All rights reserved · Privacy Policy · Terms of Service
Over a decade of helping families
Charaka built The Cook Group the same way she helps her clients: one careful conversation at a time.
Families personally walked through their protection plan.
Charaka has met one-on-one with over a thousand families over the past decade, helping each one make the decision that fits their situation — even when that decision was "not right now."
Including a guaranteed-acceptance option.
As an independent broker, The Cook Group can shop across multiple carriers — which especially matters for parents with health issues, where the right carrier makes all the difference between coverage and rejection.
Of personal experience walking families through this conversation.
Charaka has been doing this work, by hand, with care, for over a decade — and is regularly invited to speak at national conferences and serve in industry leadership roles.
Numbers reflect Charaka's career to date through The Cook Group Insurance Agency.