Final Expense Life Insurance

Final expense is a whole life insurance policy. There is no medical exam involved, and the application only takes a few minutes. See if it’s right for you.
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Final Expense Life Insurance

Written by Brian Greenberg
CEO / Founder & Licensed Insurance Agent

Last updated: November 29th, 2022

Reviewed by Nick Fenske
Licensed Insurance Agent

Is Final Expense Life Insurance Right for You?

Final expense insurance is intended to help cover expenses incurred during the end of life, including medical bills.

Unless there is a life insurance policy, it can take a long time to transfer assets after death. In that situation, the family is often saddled with burial costs and other expenses until the assets become available.

Key Features of Final Expense Policies

  • Coverage amounts from $2,500 to $50,000
    Final expense and burial insurance are specific types of policies meant to provide families with funds to ease the burden of burial, debts, and medical bills.
  • No medical exam
    Final expense policies are “simplified issue.” This means they do not require medical exams.
  • Quick approvals
    Applications are just one to three pages. The answers provided on the application determine what type of policy you are eligible for.
  • Applicants must be over 50 years of age
    Final expense policies serve a specific market: people over 50 years of age who want a simple life insurance policy without a medical exam.
  • Guaranteed acceptance policies are available
    For those who do not qualify for a level or graded policy, a modified guaranteed issue policy with no health questions is available. With a modified policy, there is a two-year waiting period before the full benefit is paid. During that time, a partial benefit is usually paid, even if it is simply a return of the premiums paid plus 10%.
  • They build cash value
    As with any traditional whole life policy, final expense policies build cash value. This allows funds to be withdrawn if the need arises.
  • Premiums stay the same
    Once a whole life policy is purchased, the premiums are guaranteed to stay the same. One exception is a group life policy, where the benefit amount decreases after a certain age but the premiums still stay the same.
  • The beneficiaries choose how the benefits are spent
    The person who buys a final expense policy names the beneficiaries (those who will receive the proceeds of the policy upon death). Those beneficiaries can spend the insurance check on whatever is needed. By comparison, with a funeral insurance policy, the beneficiary is the funeral home.

How to Get the Best Rate on a Final Expense Insurance Policy

Consider the following four criteria when choosing a final expense insurance policy:

  1. Application health questions
  2. Financial ratings
  3. Premium costs
  4. Policy type

1. Application Health Questions

Every insurance company has slightly different qualifying questions on its application. Where it gets tricky is finding the lowest cost policy while taking into account the different qualifications to get approved.

For example, someone who had cancer and was last treated more than two years ago could qualify for a level policy from Royal Neighbors that provides immediate full coverage. But if the same person applied to Mutual of Omaha, he or she would only qualify for a graded policy, which would have a two-year waiting period before the full benefits of the policy would be paid.

We talk to people all the time who want coverage right away with no health questions. Often, these people qualify for better policies if they are willing to answer some health questions.

If you can answer “no” to all of the following questions, then you can qualify for a policy that is priced better than a guaranteed acceptance policy with no health questions.

  • Are you currently hospitalized, in a nursing facility, confined to a bed, or receiving hospice care?
  • Are you currently prescribed oxygen for a lung or respiratory disorder?
  • Do you have a confirmed aneurysm that has not been surgically repaired?
  • Do you have any condition requiring a bone marrow, stem cell, or organ transplant?
  • Do you have kidney disease that requires dialysis?
  • Do you have Alzheimer’s disease, dementia, or mental incapacity?
  • Do you have Lou Gehrig’s disease (ALS)?
  • Has a medical professional told you that your life expectancy is 12 months or less?

Questions on the application must be answered truthfully.
Insurance companies verify the information on an application by pulling public reports:

  • Pharmacy Report – A record of prescribed medications over the last 10 years
  • MIB Report – A record of all previous life insurance applications
  • DMV Report – A record of driving history
  • If the information on any of these reports conflicts with the answers on the application, then the application will be declined or additional information may be requested.

2. Financial ratings

When choosing a company, it’s best to narrow down the search to companies with A ratings from AM Best and Standard & Poors. This ensures that the company chosen is able to meet its ongoing insurance obligations and has low vulnerability to adverse changes in economic conditions.

AM Best financial ratings explained
RatingScoresDefinition
SuperiorA+ to A++Awarded to companies that have a superior ability to meet their ongoing obligations.
ExcellentA to A-Awarded to companies that have a good ability to meet their ongoing obligations.
GoodB+ to B++Awarded to companies that have a good ability to meet their ongoing obligations.
FairB to B-Awarded to companies that have a fair ability to meet their ongoing obligations. Their financial strength is vulnerable to adverse changes in underwriting and economic conditions.
MarginalC+ to C++Awarded to companies that have a marginal ability to meet their ongoing obligations. Their financial strength is vulnerable to adverse changes in underwriting and economic conditions.

3. Premium costs

Choosing the right company can save 20 – 30% in premium costs for the same exact benefits.

A burial policy from Colonial Penn with no questions is over 20% more expensive than a no health questions policy from AIG (American Insurance Group).

Both companies are A rated. AIG offers up $25,000 in coverage, close to double the amount available from Colonial Penn. Both are modified policies with two-year waiting periods for full benefits. Both offer accelerated death benefit provisions. And both build cash value.

The biggest difference between policies from Colonial Penn and AIG is the cost.

4. Policy Types

Final expense life insurance comes in six different types. Each type has its own structure and pricing. Generally, the healthier the applicant is, the more benefits the policy will include, and the more affordable the policy will be.

We’ll talk about each type of final expense in depth below:

  1. Level benefit
  2. Graded benefit
  3. Modified benefit
  4. Guaranteed acceptance
  5. Funeral Home
  6. Group insurance
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Start here

1. Level Whole Life Policies With Immediate Benefit

A level policy is the most basic and straightforward of the final expense policies. Level policies are issued to applicants who are in good health, with any health issues having been controlled for at least three years. The full amount of the policy will be in effect the day the application is approved. When the insured person dies, the named beneficiaries can receive the full death benefit right away.

An example of immediate benefit final expense life insurance

Specifications of level whole life policies

  • Full coverage from day 1
    Unlike graded or modified benefit policies, an immediate benefit policy will provide 100% of the death benefit starting on day 1.
  • Best-priced final expense plan
    Out of the six types of final expense policies, an immediate benefit plan has the best price and offers the best benefits.
  • Offers a higher coverage amount
    Level whole life policies can be purchased for $2,500 to $100,000, depending on the insurance provider.

What do you need to qualify for an immediate benefit/level whole life policy?

  • No major medical diagnosis or treatment in the past three years, including:

    heart attack, internal cancer, leukemia, respiratory disorder, diabetes diagnosed before age 40, stroke, COPD, Crohn’s disease, cerebral palsy, and MS
  • No history of:
    congestive heart failure, cardiomyopathy, Parkinson’s disease, paralysis, amputation or dependency on a wheelchair, dialysis, Alzheimer’s disease, ALS, AIDS, HIV, or current hospitalization
  • All medical conditions are well-controlled.
Best companies for level benefit policies
Insurance CompanyProductEligible agesCoverage amounts
American Continental Aetna Life Insurance CompanyLevel Benefit Plan45 – 89 years$3,000 – $35,000
Mutual of Omaha Life Insurance CompanyLiving Promise Level Benefit Plan45 – 85 years$2,000 – $40,000
Royal Neighbors of America Life Insurance CompanySimplified Issue Whole Life50 – 85 years$5,000 – $25,000
Sentinel Security Life Insurance CompanyNew Vantage I0 – 75 years$1,000 – $35,000
Prosperity Life Insurance CompanyNew Vista Level50 – 80 years$1,500 – $35,000
United Home Life Insurance CompanyExpress Issue Deluxe Simplified Issue Whole Life20 – 80 years$5,000 – $50,000
Americo Life Insurance CompanyEagle Premier Level50 – 85 years$2,000 – $30,000
Liberty Bankers Life Insurance CompanySIMPL Final Expense40 – 80 years$3,000 – $30,000
Nassau Re Life Insurance CompanyRemembrance Life30 – 80 years$10,000 – $100,000

2. Graded Benefit Policies

Depending on the insurance company chosen, applicants can often qualify for a graded policy if they have not had any major illnesses in the past 24 months.

For example, a graded plan might be right for someone with Parkinson’s disease or some other medically manageable disease. If a non-accidental death occurs within a two-year time frame, the policy will only pay a percentage of the total death benefit. During the third year and beyond, the entire death benefit will be paid.

An example of graded benefit final expense life insurance

Specifications of graded benefit policies

  • Graded death benefit
    Unlike immediate benefit policies, a graded death benefit policy will pay 30% of the coverage amount to the beneficiaries during the first year. The second year, the death benefit is increased to 70%. At the start of the third year, the death benefit will become 100%.
  • Accidental death rider
    If the cause of death is due to an accident, the beneficiaries will receive 100% of the death benefit, starting on day 1.
  • Return of premium + 10% in the case of suicide 
    If the cause of death is due to suicide, the beneficiaries will receive any paid premiums plus 10%.

What do you need to qualify for a graded whole life policy?

  • No major medical diagnosis or treatment in the past three years, including:
    heart attack, internal cancer, leukemia, respiratory disorder, diabetes diagnosed before age 40, stroke, COPD, Crohn’s disease, cerebral palsy, and MS
  • No history of:
    dialysis, Alzheimer’s disease, ALS, AIDS, HIV, or current hospitalization
  • All medical conditions are well-controlled.
Best companies for graded benefit policies
Insurance CompanyProductEligible agesCoverage amounts
American Continental Aetna Life Insurance CompanyGraded Benefit Plan45 – 80 years$3,000 – $35,000
Sentinel Security Life Insurance CompanyNew Vantage II45 – 85 years$1,000 – $20,000
Prosperity Life Insurance CompanyNew Vista Graded50 – 80 years$1,500 – $35,000
Royal Neighbors of America Life Insurance CompanyGraded Death Benefit (GBD)50 – 78 years$5,000 – $10,000

3. Modified Benefit Policies

A modified policy is very similar to a graded policy except it involves a serious illness, such as cancer, instead of a more manageable ailment. Modified policy benefits usually have a two-year waiting period before the entire death benefit can be paid to a beneficiary.

If a non-accidental death occurs before that two-year time frame, the policy will only pay a return of the paid premiums plus a small percentage of the total death benefit. During the third year and beyond, however, the entire death benefit will be paid.

Modified benefit explained for final expense

Specifications of modified benefit policies

  • Graded death benefit
    During the first two years of the policy, the beneficiaries will receive any paid premiums plus 10%. At the start of the third year of the policy, the beneficiaries will receive 100% of the death benefit.
  • Accidental death rider
    If the cause of death is due to an accident, the beneficiaries will receive 100% of the death benefit, starting on day 1.
  • Return of premium + 10% in the case of suicide 
    If the cause of death is due to suicide, the beneficiaries will receive any paid premiums plus 10%.
  • Coverage amounts of $1,000 to $40,000

What do you need to qualify for a modified benefit whole life policy?

  • No major medical diagnosis or treatment in the past three years, including:
    heart attack, internal cancer, leukemia, respiratory disorder, diabetes diagnosed before age 40, stroke, COPD, Crohn’s disease, cerebral palsy, and MS
  • No history of:
    dialysis, Alzheimer’s disease, ALS, AIDS, HIV, or current hospitalization
  • All medical conditions are well-controlled.
Best companies for modified benefit policies
Insurance CompanyProductEligible agesCoverage amounts
Mutual of Omaha Life Insurance CompanyLiving Promise Graded Benefit45 – 80 years$2,000 – $20,000
American Continental Aetna Life Insurance CompanyModified Benefit Plan45 – 75$3,000 – $35,000

4. Guaranteed Acceptance Policies

A guaranteed issue policy is a policy with no health questions. There’s a two-year waiting period before the entire death benefit can be paid to a beneficiary.

In years 1 and 2, the benefit is the return of all the money paid thus far plus 10%. This protects insurance companies in cases where the person who purchases the policy already has a terminal diagnosis or is in hospice. For accidental death, the full benefit amount is paid to beneficiaries in years 1 and 2.

In year 3, the full benefit amount is paid to beneficiaries.

Guaranteed Acceptance explained for final expense

Specifications of guaranteed acceptance policies

  • Graded death benefit
    During the first two years of the policy, the beneficiaries will receive any paid premiums plus 10%. At the start of the third year of the policy, the beneficiaries will receive 100% of the death benefit.
  • Accidental death rider
    If the cause of death is due to an accident, the beneficiaries will receive 100% of the death benefit, starting on day 1.
  • Return of premium + 10% in the case of suicide 
    If the cause of death is due to suicide, the beneficiaries will receive any paid premiums plus 10%.
  • Coverage amounts of $1,000 to $40,000

What do you need to qualify for a guaranteed acceptance whole life policy?

  • There are no health questions. Acceptance is guaranteed.
Best companies for guaranteed acceptance policies
Insurance CompanyProductEligible agesCoverage amounts
AIG American General Life Insurance CompanyGuaranteed Issue Whole Life50 – 85 years$5,000 – $25,000
Gerber Life Insurance CompanyGuaranteed Life50 – 80 years$5,000 – $25,000
Great Western Life Insurance CompanyGuaranteed Assurance40 – 80 years$5,000 – $40,000
AAA Life InsuranceGuaranteed Issue45 – 85 years$5,000 – $25,000

5. Funeral Insurance

A pre-need funeral policy is purchased directly from a funeral home, and the funeral home is named as the beneficiary. The purpose is to pay for one’s funeral in advance. The policy covers the cost of funeral home services, a casket, burial fees, and memorial services.

The negatives: This is more like a layaway plan than a life insurance policy. These plans are offered as single-pay, 1-year, 5-year, and 10-year payment options. Once a plan is chosen, it’s locked in and difficult (or impossible) to change.

The positives: The positives: Once the plan is in place, there is no hassle or worry about needing to plan for a funeral at the last minute. And, the prices are set ahead of time.

Funeral insurance explained

Specifications of funeral insurance policies

  • Graded death benefit
    During the first two years of the policy, the beneficiaries will receive any paid premiums plus 6%. At the start of the third year of the policy, the beneficiaries will receive 100% of the death benefit.
  • Accidental death rider
    If the cause of death is due to an accident, the funeral home will receive 100% of the death benefit, starting on day 1.
  • Return of premium + 6% in the case of suicide 
    If the cause of death is due to suicide, the funeral home will receive any paid premiums, plus 10%.
  • The funeral home is the beneficiary
  • Coverage amounts of $1,000 to $20,000

What do you need to qualify for a funeral insurance policy?

    There is no health qualification. Acceptance is guaranteed.
Best companies for funeral insurance policies
Insurance CompanyProductEligible agesCoverage amounts
Security National Life Insurance CompanyPreneed Insurance50 – 85 years$5,000 – $25,000
United Heritage LifePreneed Funeral PlanningAny age$1,000 – $20,000
Great Western Life Insurance CompanyPreneed Funeral Insurance0 – 89 years$5,000 – $25,000
Lincoln Heritage Life Insurance CompanyFuneral Advantage0 – 85 years$1,000 – $20,000
American MemorialFinal Event Planning0 – 85 years$5,000 – $75,000

6. Group Life Insurance

Group life insurance is a type of policy that is provided by an employer, an association, or an organization. Each group has its own requirements for becoming a member.

Each group or association has different products. The products are issued by an insurance company, but the group is the master policyholder. This means that instead of the insurance company issuing each person an individual policy, everyone named on the policy receives a certificate of insurance.

Service for the policy is provided by the plan administrator rather than the insurance company directly.

Group life insurance is available to all ages, and there are very few health questions, if any, to qualify. Coverage amounts start at $10,000. Term and whole life policies may be available, depending on the group.

Group life insurance explained

Monthly premium example of group life insurance

Specifications of group insurance policies

  • Full coverage from day 1
    Unlike graded or modified benefit policies, an immediate benefit policy will provide 100% of the death benefit starting on day 1.
  • Just a few health questions to apply
  • Issued a certificate of insurance rather than a full policy
  • May be canceled if the group terminates
  • Coverage amounts of $10,000 to $75,000

What do you need to qualify for a group insurance policy?

  • Membership requirements depend on the group.

Call 866-816-2100 for our current group life insurance options

Final expense company comparison chart
Company & ProductEligible Ages & Coverage amountsTrue Blue Comments

American Continental Aetna Life Insurance Company

Final Expense Whole Life Brochure
45 – 89 years
$3,000 – $35,000
Application is taken over the phone in just 15 minutes. One of the most lenient health questionnaires. Great pricing. Excellent customer service.

Mutual of Omaha Life Insurance Company

Living Promise Brochure
45 – 85 years
$2,000 – $40,000
Application is taken over the phone in 15 minutes. There may be a phone interview conducted by a company representative. One of the most popular final expense companies. Outstanding customer support.

Royal Neighbors of America Life Insurance Company

Final Expense Brochure

30 – 80 years
$10,000 – $100,000
The application takes 15 minutes to complete, and then another 15-minute call with a Royal Neighbors representative. The product comes with several membership benefits. One of the most lenient companies for those with health conditions.

Sentinel Security Life Insurance Company

New Vantage Brochure

0 – 75 years
$1,000 – $35,000
One of the best-priced final expense plans. Application is taken over the phone in 20 minutes, and an instant approval is given. This is one of the best plans for those who qualify, due to the incredible pricing.

Prosperity Life Insurance Company

New Vista Brochure

50 – 80 years
$1,500 – $35,000
Application is taken over the phone in about 15 minutes. The pricing is fantastic on these products. Payments can be made by credit card.

United Home Life Insurance Company

Simplified Issue Whole Life Brochure

20 – 80 years
$5,000 – $50,000
This is one of the most lenient companies in terms of approving applications. There are several level benefit plans to choose from. This is a great product for those who have problems qualifying for first-day coverage.

Americo Life Insurance Company

Eagle Premier Brochure

50 – 85 years
$2,000 – $30,000
Americo has lenient underwriting, so we recommend this product for people who meet the health requirements for first-day coverage.. Strong company with good customer support.

Liberty Bankers Life Insurance Company

SIMPL Final Expense Brochure

40 – 80 years
$3,000 – $30,000
Application can be taken over the phone in 30 minutes and, with a voice signature, the policy is active immediately. Depending on your health situation, this may be the best-priced plan.

Nassau Re Life Insurance Company

Remembrance Life Brochure

30 – 80 years
$10,000 – $80,000
This is an interesting product in that there are living benefits riders included at no charge. These allow access to the death benefit in the event of serious illness or disability.

AIG American General Life Insurance Company

GIWL Brochure

50 – 85 years
$5,000 – $25,000
The application is completed online with a digital signature, and the process takes about 15 minutes. This policy has no health questions and is often the best-priced modified benefit plan.

Gerber Life Insurance Company

Gerber Guaranteed Life Brochure

50 – 80 years
$5,000 – $25,000
Application takes 15 minutes to complete. There’s a 7% discount for paying monthly with ACH bank transfer. Excellent pricing that is often less expensive than modified plans with health questions.

Great Western Life Insurance Company

Guaranteed Assurance Brochure

0 – 89 years
$5,000 – $40,000
Great product that offers the highest amount in guaranteed acceptance coverage ($40,000). If you are able to appropriately answer three medical questions, you can get $48,000 in coverage with first-day coverage.

Columbian Life Insurance Company

Guaranteed Issue Whole Life Brochure

25 – 80 years
$2,500 – $25,000
Columbian has the only policy that provides guaranteed acceptance plans to people as young as 25. Coverage for most no-questions policies begins at age 50.
National Family Assurance Life Insurance Company

Preneed Insurance

50 – 80 years
$5,000 – $25,000
One of the leaders in pre-need insurance policies. Funeral homes often sell this product directly to customers. Security National is a good company with good customer service.
Lincoln Heritage Life Insurance Company

Funeral Advantage Brochure

0 – 89 years
$1,000 – $20,000
Application is taken on paper and takes 20 minutes to complete. Strong company financially. Policies are expensive.

United Heritage Life
Preneed Funeral Planning Brochure
0 – 80 years
$1,000 – $20,000
United Heritage is sold by agents and funeral homes. Costs are on the expensive side. Strong company financially.
American Memorial
Final Event Planning
0 – 85 years
$5,000 – $75,000
One of the more popular plans offered through funeral homes. Service is handled by the parent company, Assurant. Customers often report to us that the lack of customer service is frustrating.
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Final Expense Life Insurance Reviews

4.9 /5
Based on 108 reviews

Excellent
91%
Great
6%
Average
2%
Poor
0%
Bad
1%
Jan 21,2023
Porfiria Martinez Verified
Stockton,CA
So far I'm still waiting for the application to be approved, I would not be able to rate the service yet. So far everything has been smooth.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Acceptance Life Insurance

Sep 14,2021
Susan Woodruff Verified
Livingston,TN
Efficient with great staff!
Company:
Independent Order of Foresters
Product:
Strong Foundation
Policy length:
20 years

Jun 16,2021
Charles Morehead Verified
,OK
I obtained a valuable policy with great ease. My agent Nikki Walker was both friendly and professional. I throughly enjoyed my experience...
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
Whole Life Life Insurance

Jun 07,2021
Wiley Barber Verified
Tifton,GA
Great job. Great information.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Issue
No Health Questions
Policy length:
Whole Life Life Insurance

May 06,2021
D'Ann (Ry'Leigh) Deleon (Vela) Verified
Kyle,TX
Applying for Life Insurance was super easy and very quick!Thank you! D’Ann
Company:
United of Omaha Insurance Company
Product:
Mutual of Omaha Childrens
Policy length:
Children

Apr 30,2021
Mary Sherlock Verified
North Augusta,SC
Great everything was explained and the service was great
Company:
Gerber Life
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Acceptance Life Insurance

Apr 17,2021
Amoria Bird Verified
,NC
Super helpful without the drawn out over explanation of the choices I had for coverage options!
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
GI Universal Life

Apr 15,2021
Nadia Rutledge Verified
Shreveport,LA
It was easier than I thought! In one phone call I was covered. My family and I are now stress free, all thanks to my Agent, Jennifer Plisch!
Company:
Great Western Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

Apr 02,2021
Linda Carter Verified
Richmond,VA
It was an excellent experience
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
GI Universal Life

Mar 12,2021
Robert Snow Verified
,CA
Got what I needed at a reasonable price.
Company:
America's Consumers and Affiliates
Product:
TRANSSELECT Term10
Policy length:
10 year

Mar 01,2021
Mary Sherlock Verified
North Augusta,SC
It was wonderful!!! We highly recommend you guys to my friends
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
Guaranteed Acceptance Life Insurance

Feb 18,2021
Linda Forbes Verified
Montezuma,GA
She was nice helpful consistent. She explained she followed up with me. I can call her if need anything.
Company:
Independent Order of Foresters
Product:
Strong Foundation
Policy length:
20 years

Feb 05,2021
Donnashay Hamilton Verified
Brooklyn,NY
I had a good experience. Mrs Nikki was very professional and patient. This was a long time coming.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental Life Insurance

Jan 07,2021
Eddie Vanderhorst Verified
Austin,TX
Apply for life insurance was confusing at first because of the different qualifications. However I applied for an insurance that was able to meet my needs. It was a easy process and the turn around time from an agent was very quick.
Company:
America's Consumers and Affiliates
Product:
TRANSSELECT Term10
Policy length:
10 years

Dec 23,2020
Tammy Jackson Verified
Santa Rosa,CA
Jennifer, was excellent at the question I were needing help with. She was friendly, nice, an a huge relief. I will pass on her information to some more senior’s in need of help with insurance. Thank you for being so kind a helpful. Tammy Jackson
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:
Guaranteed Acceptance Life Insurance

Dec 19,2020
Brenda Hagemann Verified
Winston-Salem,NC
Aaron Udel was very helpful and had all the information I needed. He was also very professional. I would recommend to anyone looking to buy insurance. He made it much easy for me to decide.
Company:
United of Omaha Insurance Company
Product:
Living Promise
Policy length:
Whole Life Life Insurance

Dec 14,2020
Camilla Senteneri Verified
Rio Grande,NJ
Aaron was absolutely wonderful to work with! He took the time to answer all my questions and made the process so smooth. I am very happy I took the time to answer the call from him! A definite asset to your company!
Company:
Mutual Of Omaha
Product:
GI - Max Pay Age 84
Policy length:
Accidental Life Insurance

Dec 01,2020
LasChae Dickerson Verified
Gretna,VA
Nikki was very helpful locating and informing of various options. She remained involved and guided me throughout the process. I was very pleased and will be recommending her to others!!!
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
Guaranteed Acceptance Life Insurance

Nov 02,2020
Jeremy Cash Verified
Mesquite,TX
Jens always great, she answered every question I had
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
Guaranteed Acceptance Life Insurance

Sep 29,2020
Donna Watson Verified
,VA
Very pleased to deal with these people... no harassing, very polite and easy to speak with!
Company:
Fidelity Life Association
Product:
GI - Max Pay Age 84
Policy length:
Final Expense Whole Life

Sep 14,2020
Ronald Tyus Verified
,DC
Application process was seamless. Everything went smoothly and exactly as described by Dan. Zero complaints. 5 stars!!!
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
GI Universal Life

Sep 09,2020
Linda Ullman Verified
,GA
Seemed easy over the phone!
Company:
Gerber Life Insurance Company
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Acceptance Life Insurance

Sep 08,2020
Donna Lathon Verified
Belton,MO
very easy didn't take too much time. Great experience
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Whole Life Life Insurance

Sep 05,2020
Daniel Szuba Verified
Chesapeake,VA
Very smooth shopping experience.
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
Guaranteed Acceptance Life Insurance

Sep 01,2020
Robert McTernan Verified
Lions,IL
It was very easy. Jennifer was very truthful and kind
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental Life Insurance

Sep 01,2020
Timothy Whigham Verified
Lombard,IL
The application process was a seamless one and was not time consuming.
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
Guaranteed Acceptance Life Insurance

Sep 01,2020
Ricardo Ebia Verified
Ewa beach,HI
Excellent service and we'll inform on the policy. Thank you for your help. Rick
Company:
Gerber Life
Product:
TransElite Universal Life
Policy length:
Accidental Life Insurance

Aug 18,2020
Deborah Malins Verified
,MI
Easy to use and excellent price
Company:
Fidelity Life Association
Product:
RD Final Expense
Policy length:
Whole Life Life Insurance

Aug 18,2020
Teresa Strickland Verified
Jasper,GA
I had an excellent experience. Jennifer Plisch was very helpful and knowledgeable.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Acceptance Life Insurance

Aug 08,2020
Nadia Rutledge Verified
Shreveport,LA
It was easy and now I’m stress free because of it!
Company:
Great Western Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

Jul 19,2020
Freda Wheatcraft Verified
Valdese,NC
It was an easy process and the company has been around for many years and has a stable history.
Company:
Aetna/American Continental Life Insurance Company
Product:
Final Expense - Level Bennefit Plan
Policy length:
Whole Life Life Insurance

Jul 06,2020
Sylvia Donnell Verified
Oklahoma City,OK
Very simple, all online and over the phone.
Company:
Royal Neighbors of America
Product:
Level Benefit
Policy length:
Whole Life Life Insurance

Jun 28,2020
Ford King Verified
Las Vegas,NV
GREAT TO DEAL WITH YOU.FAST AND VERY EFFICIENT.
Company:
United of Omaha Insurance Company
Product:
Living Promise
Policy length:
Whole Life Life Insurance

May 09,2020
Billie Feuerbacher Verified
Creede,CO
This was a greatly appreciate efficient, simple process.
Company:
Great Western Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

May 09,2020
Christos Kouzinoglou Verified
Loganville,GA
Absolutely excellent service
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Apr 13,2020
Brandon Bing Verified
,AL
Easy application and fast acceptance
Company:
LifeShield
Product:
LifeShield
Policy length:
5 years

Mar 31,2020
Antoinette Moore Verified
Easton,PA
Very smooth process.
Company:
United of Omaha Life Insurance Company
Product:
Living Promise
Policy length:
Guaranteed Issue Life Insurance

Mar 23,2020
Anthony Rando Verified
Freehold,NJ
very easy to process application
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Mar 23,2020
Philip Kraus Verified
Bellville,OH
Easy and effortless to navigate.
Company:
United Home Life Insurance Company
Product:
Express Issue Deluxe
Policy length:
Whole Life Life Insurance

Mar 09,2020
Anthony Rando Verified
Freehold,NJ
Very easy process completing my policy
Company:
NCE Group Life Insurance
Product:
NCE Protection Plus
Policy length:
Guaranteed Issue Life Insurance

Mar 09,2020
Brandon Thibeaux Verified
Las Vegas,NV
Great service!! Awesome and very patient.
Company:
NCE Group Life Insurance
Product:
NCE Protection Plus
Policy length:
Guaranteed Issue Life Insurance

Feb 02,2020
Patricia Brewer Verified
Divide,CO
I had a good experience because my agent, Jennifer Plisch, was extremely helpful and compassionate.
Company:
United Home Life Insurance Company
Product:
Living Promise
Policy length:
Whole Life Life Insurance

Aug 26,2019
Janet James Verified
McKinney,TX
The application process was easy.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Issue
No Health Questions
Policy length:
Whole Life Life Insurance

Aug 20,2019
Timothy Hart Verified
Pompano Beach,FL
Was easy and thorough.
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:
Age to 100

Aug 20,2019
Joann Orr Verified
Hopatcong,NJ
Very pleased with true-blue
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Whole Life Life Insurance

Jul 17,2019
Papani Faafolau Verified
Tacoma,WA
Just begin with this service, so far, it's been great. Received my package and will keep up to read and understand more of the process.
Company:
LifeShield
Product:
LifeShield
Policy length:
5 years

Jul 10,2019
Fabiana Rodriguez-Irizarry Verified
Wimauma,FL
The process was very quick an easy. The agents at True Blue are great. They were very responsive and helped explain the options and process.
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Jul 04,2019
Randall Cates Verified
Colorado Springs,CO
It was a nice quick process and I’m am very happy with the results
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
10 years

Jun 12,2019
Franklin Adams Verified
,NY
Awesome customer service.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Acceptance Life Insurance

Jun 02,2019
Douglas Yoder Verified
Port Charlotte,FL
Was very please with the everything I love Gerber life insurance prices are very reasonable will always recommend them thank you
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life (ACH)
Policy length:
Guaranteed Issue Life Insurance

Jun 01,2019
Kristen Nelson Verified
Horace,ND
I was not able to find any policies due to some health conditions, i have heart problems.... i had been denied for policy after policy although it wasnt quite what i was looking for i am no covered i would have never have gotten coverage on my own thank you so much my family is protected now.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

May 28,2019
Wallace Little Verified
Soperton,GA
Handle smoothly,quickly and professionally.
Company:
Mutual of Omaha Insurance Company
Product:
Mutual of Omaha Childrens
Policy length:
Whole Life Life Insurance

May 25,2019
Jay Opre Verified
Port Orange,FL
fine everything in timely manner
Company:
United of Omaha Life Insurance Company
Product:
Living Promise
Policy length:
Age to 100

May 06,2019
Robert Finucci Verified
Rigby,ID
Great Service. Friendly and knowledgeable staff. Would definitely recommend them.
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Apr 30,2019
Justin Villines Verified
Little Rock,AR
Very easy on boarding me with the services I wanted. Jason was amazing . Highly recommend
Company:
LifeShield
Product:
LifeShield
Policy length:
5 years

Mar 27,2019
Karen Hoff Verified
,TX
The process was quick and easy.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Mar 19,2019
Holly Dempsey Verified
Raleigh,NC
she answered all my questions and gave me very good advice I ended up buying two separate policies from her and look forward to doing business with her again very specific conscientious caring agent
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Mar 08,2019
Noni Brooks Verified
Maple Heights,OH
The best experience!!! You guys gave me hope when I was hopeless. Thank you
Company:
United Home Life Insurance Company
Product:
Express Issue Deluxe
Policy length:
Age to 100

Feb 04,2019
Manita Ferdinand Verified
,NJ
Great experience . We obtain the policy quickly and received everything in the mail two weeks later
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Dec 30,2018
Josephine Azzopardi Verified
Naples,FL
perfect will use again five stars
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Dec 11,2018
Rettie Sargent Verified
Baker,FL
Was great . I would recommend them to anyone.
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:
Whole Life Life Insurance

Nov 28,2018
Jonas Smith Verified
Toledo,OH
Started off rough but they gave me th insurance i need thanks to jason fighting for it
Company:
Assurity Life Insurance Company
Product:
Assurity Graded Benefit
Policy length:
Age 121

Nov 26,2018
Jerry Carrillo Ortiz Verified
Santa Fe,NM
Easy and quick! Received confirmation via personalized note.
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Age to 100

Nov 08,2018
Tyrone Borden Verified
Temecula,CA
Great Service, Thank you!
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Nov 07,2018
Ramona Dahl Verified
Georgetown,TX
Excellent product and service.
Company:
Columbian Mutual Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Issue Life Insurance

Nov 07,2018
Rodolfo Escubio Verified
San Francisco,CA
So far it’s been good. New customer here so we will see as it progresses but it’s been a good experience so far.
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Oct 12,2018
(Michael) Ludmila Minot Verified
Warren,OH
Fast and accurate. The quote was fair and the processing fast.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Oct 12,2018
Violeta Cudal Verified
Stockton,CA
Awesome overall experience!
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:
Whole Life Life Insurance

Sep 14,2018
Clara Orosco Verified
Milwuakee,WI
Professional and fast in approval.
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:
Whole Life Life Insurance

Sep 05,2018
Lisa Wommack Verified
Wake Forest,NC
The company delivered a fair and equitable policy.
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:
Whole Life Life Insurance

Aug 17,2018
William Carroll Verified
Moriarty,NM
See note above about policy delivery time. Otherwise fine.
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Aug 15,2018
Walter Smith Verified
Galesburg,IL
It's hard to say how well Assurity will perform when a claim is submitted since I (so far) don't need their service. I just needed a small policy which would help offset expenses that my brothers (if they're surviving) would incur upon my passing. I have no dependents, no parents, etc. so I just need the process to be SIMPLE and I'm certain this Assurity policy will do the job when the time comes. The application process went very smoothly (over the phone) and I have received the policy. Peace of mind - done.
Company:
Assurity
Product:
Simplified Level
Policy length:
Age 121

Jul 28,2018
Lydia Cisneros Verified
Brownsville,TX
Amazing customer service and fast
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:
Age 121

Jul 16,2018
Troy Gaylor Verified
Fairfax,VA
We just began. No opinion as of yet.
Company:
Assurity Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Whole Life Life Insurance

Jun 22,2018
Sonia Chavarria Verified
,CA
Fast processing-simple questions and screening the application is faster than expexted
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Jun 15,2018
Shirley Burks Verified
Memphis,TN
I was online looking for insurance when i seen this site. I did the application and the agent called me. She was very helpful and polite. She helped me find the right plan for me and my budget u truly thank her
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:
Whole Life Life Insurance

Jun 05,2018
Michael Feeney Verified
Indian Trail,NC
Great company. Are used to work as an agent and I could never find the type of coverage that they got me
Company:
Assurity Life Insurance Company
Product:
Assurity Graded Benefit
Policy length:
Whole Life Life Insurance

May 18,2018
Jimmy Wilson Verified
,OR
Great! Fast and easy process. Put my mind at ease.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Age to 100

May 13,2018
Merilee Reeves Verified
Murfreesboro,TN
Great experience, easy!
Company:
Phoenix Life Insurance Company
Product:
SI-Safe Harbor Term Express
Policy length:
10 year

May 09,2018
Peter Ahwesh Verified
Allison park,PA
This life insurance product looks to be a good value for the price, and fits my needs.
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:
Whole Life Life Insurance

Apr 29,2018
Toni Maxwell Verified
,CA
Great help in time of need, awesome working with my agent. Couldn’t of been more happy with the service.
Company:
Gerber
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Issue Life Insurance

Apr 23,2018
Rebecca Brookins Verified
,PA
I’m glad Gerber had a package for my family. Thank you.
Company:
Gerber
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Issue Life Insurance

Apr 18,2018
Gary Colp jr Verified
Granite City,IL
Very satisfied with my experience. No complaints.
Company:
Assurity Life Insurance Company
Product:
Assurity Graded Benefit
Policy length:
Whole Life Life Insurance

Apr 17,2018
Michael Nichols Verified
Byram,MS
Professional experience
Company:
Assurity Life Insurance Company
Product:
Assurity Graded Benefit
Policy length:
Whole Life Life Insurance

Apr 04,2018
Mylan McDowell Verified
,FL
Fast processing and quick to meet our needs
Company:
Mutual Of Omaha
Product:
Guaranteed ADvantage
Policy length:
Accidental

Apr 01,2018
Patrick McGready Verified
,PA
They're very efficient and they get your policy in order quickly, I'd definitely recommend using Assurity.
Company:
Assurity Life Insurance Company
Product:
Assurity Graded Benefit
Policy length:
Whole Life Life Insurance

Mar 27,2018
Natalie Long Verified
Le Claire,IA
Wonderful so far, rcvd documents immediately and love the extra benefits
Company:
LifeShield
Product:
LifeShield
Policy length:
5 years

Mar 27,2018
Mylan McDowell Verified
,FL
Very quick service! The policy met our needs and budget.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Mar 19,2018
Shannon & Liz Hyde Verified
,FL
Quick to respond with email.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Mar 06,2018
Mark Law Verified
Lawerence,KS
Jason was very helpful.
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:
Age 121

Jan 21,2018
Khampha Simmaly Verified
Atherton,CA
Very good company. Reasonable in underwriting.
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:
To Age 121 Level (No Lapse U/L)

Dec 26,2017
Cheryl Lund-Haddock Verified
Centralia,WA
Great company so far
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:
Age to 100

Dec 15,2017
Anthony Joyner Verified
,TN
I think it very good. I would recommend this company to my friends and family.
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:

Nov 25,2017
James Moore Verified
Colombia,MO
I already have a couple policies with Mutual of Omaha, so this last one fit right in.
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:

Nov 24,2017
Ralph Dupuy Verified
,TX
Service was great and expedient. thanks Jen with /tru blu
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:

Nov 18,2017
Nicholas Brown Verified
Hopewell Junction,NY
The transaction was easy to execute.
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Guaranteed Issue Life Insurance

Nov 08,2017
Robin Sills Verified
Scottsburg,IN
I have not had enough contact with Assurity to give an overall evaluation.
Company:
Assurity Life Insurance Company
Product:
To Age 100 Term
Policy length:
To Age 121 Level (No Lapse U/L)

Nov 02,2017
Sheila Young Verified
Temple Hills,MD
So far so good. No complaints
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:

Oct 31,2017
Faith Simpson Verified
,AL
I'VE USED GERBER FOR MY OTHER POLICES AND ITS ALWAYS BEEN A GOOD EXPERIENCE.
Company:
Gerber Life
Product:
Guaranteed Issue
No Health Questions
Policy length:
Age to 100

Sep 20,2017
Pai Thao Verified
Menasha,WI
Excellent rates and coverage.
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Guaranteed Issue Life Insurance

Sep 18,2017
Tong Tran Verified
,CA
Easy Transactions. Very Good
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:

Aug 08,2017
Kerry N Zenich Verified
,OR
So far I have had excellent service! I had a recurrence of cancer and am currently undergoing treatment. I was looking to see if there was any insurance available for me. True Blue took my information and a Insurance Broker called and told me about Gerber (YES, Gerber's Guaranteed Life). I was able to get $25k life insurance. There are a few stipulations, and I have not seen the policy yet, but the service was excellent and I assume it will all go as stated! Thank you Jennifer Plisch, your assistance and compassion is greatly appreciated!!
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:

Jul 30,2017
Randall Honderd Verified
Lakeview,MI
Great company first class number 1 in our book!
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:

Jun 05,2017
Charles Rosenblum Verified
Jacksonville,FL
Very helpful- quick to respond and got the application submitted right away.
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Guaranteed Issue Life Insurance

Mar 30,2017
Gretchen Murray Verified
Sandy,UT
5 starts. So easy and you can still talk to a real person.
Company:
Kemper Life
Product:
Senior Solutions GI
Policy length:

Dec 18,2016
Stephanie Campbell Verified
Enterprise,MS
The agent was very helpful and done an excellent job helping me to find the right life insurance coverage!
Company:
United Home Life
Product:
Express Issue Graded Whole Life
Policy length:

Aug 15,2016
Earnest Oblander Verified
,KY
I need to set up my preferred payment plan by writing a check each time it is due, and not set up to have it charged to a credit card. That is more of an expense with the interest charges added on to the cost of the policy.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life (ACH)
Policy length:

Jul 21,2016
Yolanda Camarena Verified
,CA
In one word, excellent service!!
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life (ACH)
Policy length:
Age to 100

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