Final Expense Made Easy
I offer my services via the phone and through Zoom meetings for your convenience! Consultations are always free and I always strive to give you the very best rate available.
I've been helping families for over 35 years. I offer a wide range of final expense insurance plans to help you achieve peace of mind and know that you and your family are protected.
Funeral and Burial Cost can be $10,000--$15,000 easily. We have State-Regulated plans that go up to $50,000. No physical exam required and most plans offer day 1 coverage! See for yourself how affordable these plans are--Simply enter your information below and get a free quote.
Funeral and Burial Cost can be $10,000--$15,000 easily. We have State-Regulated plans that go up to $50,000. No physical exam required and most plans offer day 1 coverage! See for yourself how affordable these plans are--Simply enter your information below and get a free quote.
*Please ask your agent about policy details and company specific plans. Specific company will be provided on plan selected.
Our Carrier Partners
Licensing Information
States that I am currently licensed:
(You may click on State Name below to see license)
National Producer Number 87604
Alabama
Arkansas
California
Florida
Georgia
Illinois
Indiana
Kansas
Kentucky
Louisiana
Maryland
Michigan
Mississippi
Missouri
North Carolina
Ohio
Oklahoma
Oregon
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin
West Virginia
States that I am currently licensed:
(You may click on State Name below to see license)
National Producer Number 87604
Alabama
Arkansas
California
Florida
Georgia
Illinois
Indiana
Kansas
Kentucky
Louisiana
Maryland
Michigan
Mississippi
Missouri
North Carolina
Ohio
Oklahoma
Oregon
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin
West Virginia
Types Of Final Expense Policies
There are two kinds of final expense insurance that you can buy.
Simplified issue--This type of policy is commonly known as no exam final expense insurance because you don’t have to complete a medical examination. However, you will have to answer health questions.
Your eligibility is based on how you answer the questions and your prescription history. When you apply, the insurance company will electronically analyze your medication history (with your permission).
Knowing which medications you have been previously prescribed tells them a great deal about your health. Generally, simplified issue life insurance coverage only takes about 10-15 minutes to determine if you’re approved or declined.
Simplified issue plans can have no waiting period where you’re fully insured for natural causes or accidental death once you make your first premium payment.
Best Companies: Mutual of Omaha, American Amicable, Americo, Prosperity, Columbian Financial, Royal Neighbors, CVS/Atnea, TruStage, corebridge, & Foresters.
Guaranteed acceptance--This type of life insurance does not require answering health questions or completing a medical exam. You cannot be denied due to your health history.
These plans always include a 2-3 year waiting period. Any non-accidental death during the waiting period will only result in a refund of your premiums.
In addition, guaranteed issue life insurance plans are more expensive than plans with health questions. The insurer takes on serious risk by not knowing about the applicants’ health.
With higher risk, insurance will always cost more.
Best Companies: Gerber, Great Western, AIG.
How To Qualify For A Final Expense Insurance Policy With No Waiting Period
Final expense insurance with no waiting period means you’re immediately insured for natural and accidental causes of death right away.
Even if you pass away on the day the policy starts (the effective date), the insurance company still has to pay the full death benefit.
Fortunately, final expense policies were built so seniors with health conditions can still qualify for immediate coverage.
Understand that some high-risk health issues, such as having a terminal illness, would make a waiting period inevitable.
It’s important to understand that you must qualify for insurance products with no waiting period.
To do so, you must apply with a company that requires you to answer health questions (no exam necessary).
Tip:
Guaranteed acceptance coverage with no waiting period does not exist with any company. There will always be a two-year waiting period if there are no health questions.
For example, Mutual of Omaha’s Living Promise coverage has no waiting period, but you must answer their health questions to qualify.
It’s also worth noting that almost all immediate coverage options are only sold through licensed insurance agents.
If you want to buy final expense insurance online with no waiting period, you’ll need to buy through an agency.
Companies like Colonial Penn that allow you to apply online fully or through the mail have a waiting period. Not always, but most of the time.
There are two kinds of final expense insurance that you can buy.
Simplified issue--This type of policy is commonly known as no exam final expense insurance because you don’t have to complete a medical examination. However, you will have to answer health questions.
Your eligibility is based on how you answer the questions and your prescription history. When you apply, the insurance company will electronically analyze your medication history (with your permission).
Knowing which medications you have been previously prescribed tells them a great deal about your health. Generally, simplified issue life insurance coverage only takes about 10-15 minutes to determine if you’re approved or declined.
Simplified issue plans can have no waiting period where you’re fully insured for natural causes or accidental death once you make your first premium payment.
Best Companies: Mutual of Omaha, American Amicable, Americo, Prosperity, Columbian Financial, Royal Neighbors, CVS/Atnea, TruStage, corebridge, & Foresters.
Guaranteed acceptance--This type of life insurance does not require answering health questions or completing a medical exam. You cannot be denied due to your health history.
These plans always include a 2-3 year waiting period. Any non-accidental death during the waiting period will only result in a refund of your premiums.
In addition, guaranteed issue life insurance plans are more expensive than plans with health questions. The insurer takes on serious risk by not knowing about the applicants’ health.
With higher risk, insurance will always cost more.
Best Companies: Gerber, Great Western, AIG.
How To Qualify For A Final Expense Insurance Policy With No Waiting Period
Final expense insurance with no waiting period means you’re immediately insured for natural and accidental causes of death right away.
Even if you pass away on the day the policy starts (the effective date), the insurance company still has to pay the full death benefit.
Fortunately, final expense policies were built so seniors with health conditions can still qualify for immediate coverage.
Understand that some high-risk health issues, such as having a terminal illness, would make a waiting period inevitable.
It’s important to understand that you must qualify for insurance products with no waiting period.
To do so, you must apply with a company that requires you to answer health questions (no exam necessary).
Tip:
Guaranteed acceptance coverage with no waiting period does not exist with any company. There will always be a two-year waiting period if there are no health questions.
For example, Mutual of Omaha’s Living Promise coverage has no waiting period, but you must answer their health questions to qualify.
It’s also worth noting that almost all immediate coverage options are only sold through licensed insurance agents.
If you want to buy final expense insurance online with no waiting period, you’ll need to buy through an agency.
Companies like Colonial Penn that allow you to apply online fully or through the mail have a waiting period. Not always, but most of the time.