Final Expense Insurance

Final Expense Carriers

	Americo Final Expense Americo’s final expense products are designed to help clients protect their loved ones from financial burdens when they are gone. Ultra Protector Series offers three products to fit your clients’ different situations. If clients do not qualify for Ultra Protector I, Ultra Protector II and III are available.

	Conseco Final Expense Through its subsidiaries and a nationwide network of distributors, Conseco helps more than 4 million customers step up to a better, more secure future. The Conseco Final Expense product offers your clients the security they seek for the future.

	Foresters Final Expense Foresters is a life insurance organization that has been committed to helping individuals and families achieve their financial security goals for over 130 years. The Foresters Final Expense product is hugely popular among both agents and clients alike and is a must have for your portfolio.

	Sentinel Life Final Expense Sentinel Life Final Expense offers very attractive pricing for cost-sensitive seniors. The New Vantage product is definitely one you want to have in your portfolio to address the needs of seniors who want to protect their family after death, but at a lower cost than most other products on the market.

Final Expense Information

Final expense insurance is a product designed to help cover final expenses such as the costs associated with funeral and burial expenses, probate fees or other financial obligations that your client’s family may face in the event of death. Many funeral expenses run over $10,000 and can create a significant burden on loved ones.

Final expense insurance is targeted to clients who desire coverage for final expenses and who don’t want to go through the hassles of full underwriting. Additionally, clients who have previously been declined for coverage with one carrier may be considered again with another. Final expense insurance products normally don't require formal medical examinations, so most clients qualify with little to no problems. Also, premiums are guaranteed so the investment is low risk and predictable for clients. Additional rider protections are available for added security.

For the agent, final expense products normally offer excellent MGA commissions, electronic or phone applications, and simple underwriting. Premiums are competitive compared to other types of insurance products, so final expense insurance is definitely a product you want to have in your portfolio to grow your business.