Trusted by 12,000+ families
Expert life insurance assistance — tailored for you.
Whether you're looking for a new policy or need help managing your existing coverage, our licensed agents are here to help. We provide expert guidance from 30+ A-rated carriers across final expense, whole life, term, and Medicare supplement plans.
- No medical exam
- Rates locked for life
- Coverage from $5K–$40K
Our coverage
Coverage built for what comes next.
Every plan is whole-life or simplified-issue from carriers rated A or better. No exams, no waiting on lab work — most policies issue the same day.
- Most popular
Final Expense
Whole-life burial insurance. $5,000–$40,000 of coverage. Rates locked for life.
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Whole Life
Permanent coverage that builds cash value and never expires.
See whole life -
Term Life
Higher coverage for 10, 20, or 30 years. Best for active adults under 65.
Get term quote -
No Medical Exam
Simplified-issue plans you can qualify for without bloodwork.
Skip the exam -
Medicare Supplement
Fill in Medicare's gaps — plans G, N, and high-deductible options.
View plans
How it works
Three steps from quote to coverage.
- 1
Tell us about you
A few quick questions — your ZIP, date of birth, and whether you use tobacco. Takes about a minute.
- 2
Compare real rates
We match you to plans from 30+ A-rated carriers. See monthly premiums side-by-side, sorted lowest first.
- 3
Lock in coverage
A licensed agent walks you through the policy in plain English. Most applications take less than 15 minutes by phone.
We compare quotes from leading A-rated carriers
- Mutual of Omaha
- Aetna
- Foresters
- Transamerica
- AIG
- Gerber Life
- Americo
- United Home Life
Carrier availability varies by state and underwriting. We are not affiliated with any individual carrier.
Real customers
Plain talk. No pressure.
Quotes from policyholders who chose us. Reviews shown are representative — full reviews available on request.
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"I was worried about leaving my kids with the funeral bill. The agent explained everything in plain English and I had a policy the same afternoon."
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"I shopped around for weeks. They found me $25,000 of coverage for $54 a month — better than the other quotes I had by almost half."
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"Honest, patient, and never pushy. I asked the same question three times and they answered each time without making me feel rushed."
Common questions
Answers most people want first.
Do I have to take a medical exam?
No. Every plan we offer is simplified-issue or guaranteed-issue — that means a few yes/no health questions, never a blood draw or paramed visit.
How long does it take to be covered?
Most applicants are approved by phone the same day. Coverage typically begins the day the first premium clears, which is usually 1–3 business days after the application.
What does final expense insurance actually cover?
The benefit is paid in cash to whoever you name as the beneficiary. They can use it for funeral costs, the cemetery plot, medical bills, credit card debt, or anything else — it's their money to spend.
Can my policy be cancelled by the insurance company?
No. Once issued, a whole-life policy cannot be cancelled by the carrier for any reason except non-payment of premium. Your rate is also locked for the life of the policy.
What if I have pre-existing health conditions?
We work with carriers across the spectrum, including guaranteed-issue plans that ask zero health questions. The trade-off is a graded benefit period in the first two years — your agent will walk through the options that fit your situation.
Is the call really free? Are you going to pressure me?
Yes, the call is free, and no, we don't pressure. If a plan isn't right for you we'll say so. Our agents are paid the same whether you buy today or in six months.
Speak with a specialist — no obligation.
Our licensed agents will walk you through the lowest-cost plans you qualify for. Mon–Fri, 9 AM – 8 PM ET; calls are answered live, usually within 30 seconds.