Simple life insurance to protect your family.
We help you find a plan that fits your budget, and we explain everything in plain language. Many plans need no medical exam. We can help you in any state, right from home.
Get your results in 5 mins!
- $20Plans starting around $20 a month
- No examNo needles or doctor visits on many plans
- LockedRates that never go up on many plans
- Day 1Coverage from your first payment on qualifying plans
Contact us
Contact us for free consultations, quotes, a policy review, or to get something in place!
Fill this out and we'll reach out within one business day.
Does any of this sound like you?
- You don't want your family stuck paying for your funeral.
- You're on a fixed income and need a low monthly payment.
- You've been turned down for life insurance before.
- You have health problems like diabetes, high blood pressure or heart trouble.
- You don't want a medical exam or needles.
- You want a price that won't go up as you get older.
If you said yes to even one, we can help. Most people are surprised how affordable it is.
$8,300
is the typical cost of a funeral with a viewing and burial in the U.S., before a cemetery plot or headstone. A small final expense policy can keep that bill off your family.
Source: National Funeral Directors Association, 2023 national median.
The plans we offer
Final Expense
For: covering funeral costs and final bills
A small, lifelong policy so your family isn't left paying for your funeral. Your price never goes up. Usually no medical exam.
Term Life
For: protecting your family's income
Low-cost coverage for a set number of years, such as 10, 20 or 30. If you pass away during that time, your family gets the money.
Mortgage Protection
For: keeping your family in your home
Coverage that matches what you owe on your house, so your family can pay it off and stay in the home.
Indexed Universal Life (IUL)
For: lifelong coverage that can grow cash value
Permanent life insurance with savings inside it that can grow over time. We'll walk you through exactly how it works before you decide.
Just some of the benefits you will be receiving
Immediate coverage
As soon as you make your first payment, your loved ones are covered from day 1. On qualifying plans, there's no 2-year waiting period like many plans have.
Living benefit
This one is important. If you get a terminal illness and your doctor says you have 12 to 24 months to live, you can access up to 50% of your benefit tax-free while you're still living.
Tax-free
The money your family receives is generally paid to them income-tax free, so they get the full amount when they need it most.
Benefits and waiting periods depend on the plan and insurance company you qualify for. We'll go over exactly what your plan includes before you sign up.
Common questions
Where do plans start?
Our plans start anywhere from $20 to $50 a month, specially tailored for veterans and seniors on a fixed income. Your exact price depends on your age, health and how much coverage you want.
Do I need a medical exam?
Usually not. Most final expense plans and many others only ask a few health questions over the phone.
Can I get coverage if I have health problems?
Often yes. Different companies have different rules, so we check several to find one that will accept you.
Does it cost more to go through you?
No. You pay the same price as going to the insurance company directly.
I'm already a client. How do I reach you?
Use the contact form at the top of this page. Choose "Review my current policy" and tell us what you need in the notes, such as changing your bank draft, updating who gets the money, or help with a claim.
How it works
- 1
Fill out the form
It only takes a couple of minutes.
- 2
We reach out
We ask a few simple questions and find plans that fit you.
- 3
You decide
No pressure. We do the paperwork and we're here whenever you need us.
Free, no-pressure review
Already have life insurance? We'll look at it for free and tell you honestly whether it's enough, or whether you could pay less.
Request my free review