Call: 800-777-9322

Final Expense Companies

Continental Life Final Expense

  • Whole Life Benefits: Level, Graded, Modified
  • Ages: 45-89
  • No Height & Weight Chart or MIB
  • Non-forfeit options available
  • Jet Approval Process

Accendo Final Expense

  • Individual Whole Life Insurance with Level Plans and a Modified Plan
  • Issue ages 40 - 89
  • NO Height Weight Chart
  • Clients can qualify Super Preferred Rate
  • Child's Term Rider and Cash Value Flexibility

AIG

  • GIWL Product with up to 25,000 and Built In Chronic/Terminal Benefits
  • Level Term / Universal Life / Index Universal Life
  • In Business 160 years
  • Ages: 20-85

Christian Fidelity

  • Excellent Rates
  • 48 Hour Turnaround Time on Application Issue
  • Fax Application Process
  • Point of Sale Phone Interview Available

Loyal American Insurance Company

  • Level and Modified Benefits
  • Ages: 50-85
  • 5% spousal premium discount

Great Western

  • Level Benefits and Graded Benefits Ages 40 - 80
  • Face Amounts $1,000 - $40,000
  • Premiums will never change during the life of the policy
  • Graded Benefits = Guaranteed Issue

Liberty Bankers Life

  • Minimum Policy $3,000
  • Maximum Policy $30,000
  • Issues Ages 18-80
  • B Rated Company

Lumico Final Expense

  • Preferred, Standard and Modified Levels
  • Simplified Issue Underwriting
  • No Policy Fee, No Modal Factors, No Premium Bands
  • Age 50 - 85 for Tiers 1 and 2. Age 50 - 80 for Tier 3.

Medico Insurance Company

  • Available for ages 50 to 85 and payable on death
  • Age 50 to 70 -- $2,000 to $50,000
  • Age 71 to 85 -- $2,000 to $25,000

Mutual of Omaha (Final Expense)

  • Whole Life: Ages 45 - 85 / $2,000 - $25,000 / No Medical Exam
  • Term Life: Ages 18 - 80 / $100,000 plus
  • Universal Life: Possible Over Age 85 / Accelerated Death Benefit / Build Cash Value

North American

  • Classic Term: Competitive Rate / 10 and 15 year levels
  • ADDvantage Term: ADBE qualify for critical illness
  • ADDvantage Term: Conversion Privilege / Comprehensive Coverage
  • SimpleSubmit eApp and WriteAway Underwriting

Pekin Life Insurance Company

  • Rated A- (Excellent) by A.M. Best
  • No Telephone Interview
  • 12-month Rate Guarantee
  • Established in 1965

Phoenix Life

  • Simplified Issued Life Product
  • Annual Birthday Gift (Legacy) Rider
  • Lump Sum Death Benefit
  • Optional Income Stream

S USA Life Insurance

  • Golden Promise® (offered in NY by SBLI USA) and New Vista® (offered elsewhere by S.USA)
  • Max Face Amount: $35,000
  • Voice Signatures, E-Apps, and Mobile App

Royal Neighbors Life and Annuity

  • Whole Life and Youth Whole Life
  • Single Premium Whole Life
  • Simplified Issue Whole Life
  • Term Life: 15, 20, 30 years
  • A True Point-Of-Sale Process

Trinity Final Expense

  • Simplified Issue (SI): Age 50-85 Amounts $2,500-$25,000
  • Graded Benefit (GDB): Age 50-80 Amounts $2,000-$10,000
  • Death Benefit: 100% of Declared Death Benefit paid to Beneficiary
  • Accelerated Living Death Benefit

United of Omaha Living Promise

  • Level Benefit / Ages 45 - 85 / $2,000 - $40,000
  • Graded Benefit / Ages 45 - 80 / $2,000 - $20,000
  • Simplified Underwriting
  • Build Chart / MIB / Pharmaceutical Check / Random Phone Interview

American Home Life

  • Product for Ages 0-85
  • Final Expense & Term
  • Guarantee Issue Product
  • Strong Foundation Since 1909

Americo

  • Guaranteed Coverage in Select States
  • Pipe/Cigar smokers qualify for non-smoker rates
  • 48 Hour turnaround time on application issue
  • Fax Application Process

Baltimore Life

  • A Rated by AM Best
  • Phone Application(100% phone sale process)
  • Same Day Application Issue
  • Silver Guard for Ages 50-80 & Secure Solutions for Ages 0-80

Foresters

  • A Rated by AM Best
  • Been in business over 135 years
  • Numerous Member Benefits including the annual awarded scholarships
  • Whole Life, Term Life, & Universal Life available

Gerber Life

  • Guarantee Issue Product
  • Ages 50-80
  • Grow Up Plan available for Sales
  • On line application

New Era / Philadelphia American

  • Guaranteed $5,000 Life Policy with every Issued Medsup Application
  • Competitive Rates
  • Ages 0-85
  • Simplified Underwriting - Yes / No Application
  • No Medical Exams

Oxford Life

  • Excellent Rates
  • 48 Hour Turnaround time on Application Issue
  • Fax Application Process
  • Point of Sale Phone Interview available

Sentinel Security Life

  • Sentinel New Vantage Life Insurance has 3 different tiers
  • Combo Application Available with Yes / No Questions
  • No Required Medical Exams
  • Policy Fee is Fully Commissionable

Standard Life and Accident

  • Tele app available (NO WET SIGNATURE REQUIRED)
  • E & O required
  • Competitive rates and Commissions
  • Lead Program Available

Standard Life And Casualty

  • Ages 50-85
  • No graded or Modified plans available
  • Some of the LOWEST rates
  • Can fax applications

Transamerica Premier

  • Complimentary Membership with Legacy Safeguard Planning
  • Competitive Rates and Great Commissions
  • Free leads with legacy safeguard referral system
  • Wal-Mart discount drug program

United Home Life

  • CAN submit business with contract
  • Ages 20-80
  • Offers Direct Monthly billing
  • Guaranteed Issue and Non Med Whole Life Available
*A.M. Best’s Financial Strength Rating is an independent opinion of an insurer’s financial strength and ability to meet ongoing obligations to policyholders. For the latest rating, access www.ambest.com.