“The greatest gift you can leave your family is peace of mind.”
Whole life coverage, even with serious health conditions.
- Day-one coverage may be available even with dialysis, past cancer, organ transplant, or oxygen use*
- No medical exam
- Whole life coverage that can last to age 121
- Prices never go up. Benefits never go down.†
Free and no obligation. Serving families in 15 states.
Request your free quote
Coverage built to last
Day-one coverage
Many people with diabetes, heart conditions, COPD, and more can qualify for full coverage from the first day.*
No medical exam
No needles and no doctor visits. You answer a few health questions, often over the phone.
Coverage for life
Whole life coverage that can last to age 121. Your price is locked in and your benefit stays the same.†
Turned down before? Ask us again.
We work with carriers that may offer full day-one coverage to people other companies decline or put on a waiting period, including:
How it works
Tell us about you
Fill out the short form or call. It takes about two minutes.
Review your options
We are independent, so we can show plans from several carriers and explain each one.
You decide
Pick a plan only if it fits your needs and budget. No pressure.
Common questions
What is final expense insurance?
It is a smaller whole life insurance policy, often meant to cover funeral and end-of-life costs.
Do I need a medical exam?
Many final expense plans do not need an exam. You answer health questions on the application instead.
What if I have health problems?
Many conditions still qualify for day-one coverage. Some serious conditions may qualify only for a graded or guaranteed-issue plan, which has a waiting period before the full benefit is paid. We will tell you before you apply.
Will my price go up as I get older?
No. With the whole life plans we offer, your premium is set when you buy and your benefit does not go down, as long as premiums are paid.
What states do you serve?
Alabama, Arizona, Florida, Georgia, Indiana, Kentucky, Michigan, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and West Virginia.
Who are you?
We are an independent insurance agency serving families in 15 states. We are not a funeral home and not part of any government agency.