We'll Get You Home —
No Matter Where Life Takes You
A one-time payment of $499 provides lifetime, worldwide assurance that you or your loved one will always be returned home — with dignity, with honor, at no additional cost to your family.
Life happens away from home.
Every year, the vast majority of Americans travel more than 100 miles from home. When death occurs far away, the emotional weight of grief is compounded by an unexpected logistical crisis.
It can happen during…
Without coverage, families face…
Simple protection. White-glove service.
When you need Sepio Guard, your family makes one phone call. Everything else is handled.
Death occurs away from home
Coverage activates any time death occurs 75 or more miles from home — anywhere in the world. Road trip, military reunion, overseas vacation, or unexpected hospital stay.
One call. Everything handled.
Your family calls the number on the membership card. Sepio Guard immediately coordinates with local authorities and funeral professionals, managing all legal permits and logistics.
Returned home with dignity
Sepio Guard handles preparation of the deceased — including embalming or cremation when required for transport — and returns you or your loved one to your local funeral home, at no additional cost.
Complete coverage. Zero fine print.
Worldwide Coverage
Active anywhere in the world. Whether it's across the state or across the ocean, your family is protected.
Lifetime Protection
One payment, one membership. Coverage never expires and requires no renewals or ongoing premiums.
No Age Limits
Available to veterans of any age. Coverage begins immediately and remains in force for life.
No Health Questions
No medical underwriting, no exclusions for pre-existing conditions. Every veteran qualifies.
No Deductibles or Dollar Caps
There are no out-of-pocket costs and no limit on covered transportation expenses, regardless of distance.
White-Glove Coordination
A dedicated team takes over all arrangements — legal, logistical, and preparation — so your family only has to grieve.
One payment.
Lifetime protection.
Sepio Guard is a membership service — not an insurance policy. There are no annual premiums, no renewals, and no ongoing obligations. You pay once and your family is protected for life.
Secure my return home ›It's not insurance —
it's assurance.
Traditional insurance policies carry underwriting requirements, waiting periods, and complex claims processes. Sepio Guard is different — it's a membership service built specifically to handle one critical need: bringing you or your loved one home.
There are no claims to file. No adjusters to negotiate with. No coverage denials. When your family calls, the Sepio Guard team takes over immediately — coordinating every aspect of the process so your family can focus on what matters.