Baltimore Life Final Expense
The Baltimore Life Companies have been serving the "middle market" for the past 130 years building their reputation for integrity and service to both their policyholders and agents.
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 product is hugely popular among both agents and clients alike.
Forethought Life Final Expense
Forethought Life Insurance Company is rated "Excellent (A-)" by A.M. Best and has been providing innovative insurance protection since 1985.
Oxford Life Final Expense
Specializing in senior-oriented insurance products, the Oxford Life Company offers a Final Expense product to promote financial security for your clients during their retirement years.
Phoenix Remembrance Final Expense
Phoenix is now offering Remembrance Life, a whole life policy with some very unique riders helping your clients leave a lasting legacy for their loved ones. Protecting all of those special moments in life; a child or grandchild’s birthday, graduation, going off to college or even your client’s retirement.
Sentinel Life Final Expense
Sentinel Life 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, with an economical cost.
Stonebridge Life Final Expense
Stonebridge Life Insurance Company has been providing insurance products since 1900. Their history of offering quality products with a quick response time and courteous, dependable service makes this final expense a must for your senior insurance portfolio.
United of Omaha Final Expense
United of Omaha's product helps your clients take care of their outstanding medical bills, unexpected expenses or debt that they may leave behind.
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, 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.