Whole life insurance that covers funeral costs, medical bills, and final expenses — most clients pay between $18 and $89 a month, locked in for life.
Final expense insurance provides your family with funds to handle end-of-life costs without financial stress.
Cover casket, burial plot, service, and transportation so your family can grieve without worrying about expenses.
Ensure hospital and medical debts don't fall on your family after you're gone.
Credit cards, personal loans, and outstanding obligations are taken care of.
Probate fees, estate settlement, and legal expenses are covered so your family isn't burdened.
Help your family stay in their home after you're gone by covering housing costs.
Leave a gift to your church, charity, or favorite cause as part of your legacy.
No. Our final expense plans are simplified issue or guaranteed issue. You answer a few health questions on the application, but no physical exam, blood work, or doctor visits are required.
Final expense insurance is available for individuals aged 50 to 85 years old.
Coverage amounts range from $5,000 to $25,000, depending on your age and health answers.
Never. Your premium is locked in for life from the day your policy is issued. It will never go up regardless of age or health changes.
Most applicants are approved within 24–48 hours. Some guaranteed issue policies provide same-day approval.
Most of our clients pay between $18 and $89 per month, depending on age, coverage amount, and health answers. Your rate is locked from day one and never increases. We shop multiple A-rated carriers to find the lowest price you qualify for — the quote is free and takes one phone call.
It depends on the plan you qualify for. With simplified issue (most of our clients), coverage is in force from day one with no waiting period. Guaranteed-acceptance plans, which ask no health questions, typically have a two-year graded period. We'll tell you exactly which one you qualify for before you commit — no surprises.
I'm Nick Quaranta, a U.S. veteran and independent licensed agent (NPN 22145269). I shop multiple A-rated carriers and tell you honestly which plan fits your budget — even when that means recommending a smaller policy. No pressure, no scripts, no runaround.
Call me directly: (312) 203-8106Get a free, no-obligation quote for final expense insurance. Most applicants are approved within 24–48 hours with no medical exam required.