Coverage that pays for a funeral, clears a bill, or leaves something behind.
Whole life, final expense, term, and guaranteed issue plans from national carriers. Most applications are approved over the phone with no medical exam.
- No medical exam on most plans
- Premiums that never go up
- Coverage that never expires
- Approval in one call for most applicants
Life Insurance we offer
Final Expense Insurance
A small whole life policy, usually $5,000 to $25,000, built to cover a funeral, cremation, and the bills that come with them.
- Ages 50 to 85
- You want family to have cash within days, not months
Whole Life Insurance
Permanent coverage with a fixed premium and a death benefit that does not shrink. It builds cash value you can borrow against.
- You want coverage that lasts your whole life, not a term
- You want a premium that never changes
Term Life Insurance
The most coverage for the least money over a set period, usually 10, 20, or 30 years. Built for income replacement and a mortgage.
- You have kids at home or a mortgage to protect
- You need $100,000 or more in coverage
Guaranteed Issue Life Insurance
No health questions, no exam, no denial within the age range. Built for people with serious health conditions who still want to leave something behind.
- You have been declined for life insurance before
- You have a serious condition like heart failure, cancer, or COPD
Which plan fits?
| Plan | Coverage | Exam | Length | Premium | Best for |
|---|---|---|---|---|---|
| Final expense | $5k to $25k | No | Lifetime | Fixed | Funeral and final bills, ages 50 to 85 |
| Whole life | $10k to $250k+ | Usually no | Lifetime | Fixed | Permanent coverage with cash value |
| Term life | $50k to $1M+ | Often no | 10 to 30 years | Fixed for the term | Income and mortgage protection |
| Guaranteed issue | $2k to $25k | No, no questions | Lifetime | Fixed | Serious health conditions, prior declines |
Diabetes, COPD, heart disease, cancer, stroke, oxygen use.
What carriers ask and what usually qualifies, condition by condition.
Life Insurance carriers we represent
Appointments vary by state and product.
Life Insurance questions
Do I need a medical exam for life insurance?
Not for final expense, most whole life, and many term policies. A few health questions on the phone are usually all it takes.
I have health problems. Can I still get coverage?
Almost always. Different carriers rate the same condition differently, and guaranteed issue plans accept everyone in the age range.
How fast can a policy start?
Most final expense and whole life applications are approved on the same call. Coverage begins on the effective date you choose, usually the first draft date.
Can I pay monthly?
Yes. Most carriers offer their best rate when the premium drafts from a checking or savings account.
Get a life insurance quote
A licensed agent calls you back, Mon to Fri, 8am to 6pm PT.
Rather talk it through?
Every request gets a licensed agent, not a call center script.