How It Works
Getting Covered Is Simpler Than You Think
Three steps, usually one or two phone calls, and no medical exam for most plans. A licensed agent walks you through every part — and tells you honestly which options fit.
The process
From first question to covered
- 01
Tell us a little about yourself
About 1 minuteFill out the short quote form or call us. We only ask what we need to find plans you can actually qualify for.
- Your age and state
- The coverage amount you have in mind
- A monthly budget that feels comfortable
- 02
Compare your options with a licensed agent
15–20 minutesYour agent reviews plans from several carriers side by side and explains the real differences — price, waiting periods and what each policy pays.
- Plans matched to your health and budget
- Graded vs. day-one coverage explained plainly
- No pressure to decide on the call
- 03
Apply and get covered
Same day to a few daysApply by phone — no medical exam for most plans. Many applicants get a decision the same day, and coverage starts with your first premium.
- A few yes/no health questions, or none
- Choose the date your premium is drafted
- Policy documents mailed to your home
Final Expense Insurance
Protect What Matters Most
Get affordable final expense insurance with no medical exam in most cases. Fast, simple, and hassle-free. Speak with a licensed agent and get your free quote today.
- No Medical Exam in Most Cases
- Fast & Simple Process
- Licensed Agents
- Affordable Options
Before your call
What to have ready
None of this is required to get a quote — but having it nearby makes applying quick.
- Date of birthFor you and anyone you're considering covering.
- Current medicationsA simple list helps match you with the right carrier.
- Beneficiary detailsName and relationship of the person who will receive the benefit.
- Payment preferenceBank account and a draft date that lines up with your income.
- Any existing policiesSo we can make sure new coverage fills the gap, not duplicates it.
Our promise
What we'll never do
You're trusting us with a personal decision. Here's how we earn it.
- Pressure you to decide on the first call
- Recommend a plan you're unlikely to qualify for
- Hide waiting periods in the fine print
- Hand you off to a rotating call center
- Charge a fee for quotes or advice
After you're approved
We don't disappear once you're covered
Your agent stays your point of contact for the life of the policy — for you and for your family.
Policy delivered
Your documents arrive by mail. Your agent reviews them with you by phone if you like.
Free-look period
Most states give you a window — often 10 to 30 days — to review and cancel for a full refund.
Direct line to your agent
Questions about payments, beneficiaries or coverage go to someone who knows your file.
Help for your family
When the time comes, we help your beneficiary start the claim so it's one less thing to handle.