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Request An Affordable Care Act Quote!
Call today for quotes
on health insurance
for Medicare beneficiaries
or any other type of
health or life insurance!
Medicare Beneficiaries:
877-734-3884 (TTY: 711)
All Other:
786-970-0740 (CELL)
Request An Affordable Care Act Quote!
Call today for quotes on health insurance for
or any other type of health or life insurance!

877-734-3884 (TTY: 711)

All Other:
786-970-0740 (CELL)

Final Expense Insurance

Final Expense Insurance

Life Insurance Policies Designed to Pay for Funeral and Burial Expenses

All of us will likely have to face the death of a close family member at some time in our lives. Perhaps you already have - and the painful memories are still there. In addition to grieving the loss and settling your loved one's estate, there's also the immediate concern over funeral and burial costs and how to pay for them. Many of us never think about how our family will pay for our funeral. Few people have the resources to pay for a funeral outright. Without advance planning and funding, your survivors may need to reach into their savings, take out a loan or sell personal assets.

The cost may surprise you. According to the National Funeral Directors Association, the average cost of a funeral nationwide in 2012 (latest figures available) was $8,343, which is a 7% increase over 2010. Moreover, this cost does not include the cemetery plot, monument or marker costs, flowers, obituary and other cash expenses, which could push the cost well over $10,000.

Why burden your family with these costs at a time when they already have many other concerns? With Final Expense Insurance you can help reduce the worry your family will experience when you die by putting the money in place, so that it's available when they need it the most.

Key Features

Low Face Amounts Available: whole life insurance policies with face amounts as low as $1,000 designed to help pay funeral and burial expenses.

Liberal Underwriting: no paramedical or physical exam is required. An application and a phone call with the carrier or a third party vendor is all that's needed. Only in rare cases do carriers ask for additional information.

Fast issue! No hassle!: In almost all cases, you'll be told at the end of the phone call if you qualify for the amount and type of coverage for which you applied.

Three Types of Policies Offered Depending on Your Health Status:

  • Level (full face value payable immediately);
  • Graded (percentage of face value payable in first two years and full face amount payable thereafter); and
  • Modified (no benefit paid for first two years and then full face value payable thereafter). All carriers return principal plus interest if the policyholder dies before becoming eligible for payment of a death benefit under the policy.

Many Carriers Offered: large selection of carriers offered. Each carrier asks different health questions, so this gives greatest flexibility to purchase a policy that you can qualify for and that is most affordable. Because we represent many final expense carriers and have proprietary coverage tables that identify which carriers are best for certain conditions, the vast majority of the policies we write are issued as Level policies.

Issue Ages up to Age 89: Maximum age limit and maximum face amount differ by carrier and type of policy purchased [i.e. immediate (level), graded or modified].

Guaranteed Issue Policies Are Available

Depending on where you live, guarantee issue (no medical questions asked) policies are issued up to age 80.

Please call us at 786-970-0740 (cell) for more information.

Estimate Your Funeral and Burial Expenses

This calculator from Catholic Financial Life is a good tool for estimating funeral and burial expenses. You can use the calculator to determine if you have a shortfall and need final expense insurance.

Please call us at 786-970-0740 (cell) for more information or to obtain a quote.

Schedule For 2024
Affordable Care Act Enrollment

Affordable Care Act open enrollment for 2024 plans began November 1, 2023 and ended January 16, 2024 on the Federal Facilitated Marketplace (

You’re eligible to enroll ONLY if you have a Qualifying Life Event.
There are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.

2024 Annual Enrollment Period For Medicare Eligibles

The Annual Enrollment Period for Medicare-eligibles that ran from October 15 through December 7, 2023 for a January 1, 2024 effective date has ended.

You’re eligible to enroll now ONLY if you’re first becoming eligible for Medicare or are eligible for another type of enrollment period. Enrollment rules differ between Medicare Supplement plans and Medicare Advantage, Medicare Advantage Prescription Drug, and separate Medicare drug coverage (Part D).

Call us at 877-734-3884 (TTY: 711) for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare-eligibles. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare-eligibles section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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877-734-3884 (TTY 711)