Final Expense Specialists

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How to Submit an Application

There are three ways to submit an application

Voice you and your agent will complete the interview over the phone and you will give authorization to the Insurance Company over the phone. Completely paperless!

Email the Insurance Company will send you an email and you will click to sign your application

Paper the old way but in some cases it will still be used. After the phone interview, then the paperwork will be mailed to your address.


Most of the time a decision can be made quickly by the Life Insurance company. If there are additional requirements then it could take up to 5 business days.

Frequently Asked Questions

  • Policy premiums do not increase
  • Death Benefit amount does not decrease
  • Policies are permeant they do not expire at any age
  • No physical or medical exam required

Here is how it works, when you pass away the Life Insurance Company pays the death benefit to the person you choose. The best part is that the money goes to your beneficiary tax free!

Client’s who purchase these policies do so to pay for the expenses after you pass away. Such as funeral expenses and medical bills.


The average funeral is between $7,000.00 – $12,000.00!


What about cremation?


That average is between $6,000.00 – $7,000.00


What about medical bills?


The average hospital stay is 4.5 days and the average cost for a hospital room is $10,400.00 per day!

That’s $46,800.00!


That means the total cost of dying in the United States is between $50,000 – $60,000.00!


This adds stress to the families of the deceased. The average American does not have $1,000.00 saved up to cover an emergency. So, how would your family cover these expenses in the event of your death? That is why Life Insurance is so important. The silver lining is that any money left over after paying expenses the family keeps tax free!

3 types of death benefit

There are three types of death benefits for Final Expense Polices

1. Level

Level death benefit is the cheapest and starts in full from day one this is also referred to as preferred by some carries. This is given to client’s who don’t have any pre-existing medical conditions and answer no to all medical questions.


2. Graded

If you do answer yes to any the graded medical questions. The Industry average is 25%-50% in the first two years. If you pass away in the first year you get 25% of the death benefit amount. Then year two it’s 50% and then after that you will get the whole amount. The times and amounts vary by Insurance Company. Graded is slightly more expensive than Level.


3. Modified

A modified death benefit is a return of premium for the first two years. If you die during the first two years you simply get your premiums you paid refunded. Modified is for people in poor health or have a pre-existing condition. Modified is expensive and honestly not worth the money. The better option if you are offered a Modified death benefit is to get a Guaranteed Issue policy. This is something a captive agent would never do, because they aren’t appointed by a Life Insurance Company that offers Guaranteed Issue.

The short answer is Everyone!

There are three factors that will determine who can get a policy

  1. The State you live in
  2. Your Health
  3. Your Age

The average age for a Final Expense Policy is between 50-85 years old

But you can get coverage for ages 0-89 because not every plan is available to all ages

If you are in these age ranges there is a 99% probability that you can get a Final Expense Policy

And Yes Children can get Life Insurance

Final Expense was designed for people who don’t qualify under regular risk table parameters

A risk table is a under writing guide used by Life Insurance Companies to determine who can get coverage and how much they pay. People who are outside the “normal” range of the table often have one or more of the following health conditions

  • Anxiety Medications
  • Arthritis
  • Asthma
  • Atrial Fibrillation
  • Bi-Polar Disorder
  • Blindness
  • Blood Clots
  • Blood Thinners
  • Cancer in the last 2 years
  • Cholesterol Issues
  • Chronic Kidney Disease
  • COPD, Emphysema, & Chronic Bronchitis
  • Cystic Fibrosis
  • Defibrillator Or Pacemaker
  • Depression
  • Diabetic Nephropathy
  • Diabetic Neuropathy
  • Diabetic Retinopathy
  • Epilepsy
  • Fibromyalgia
  • Strokes 1 year
  • Heart Attacks in the 1 year
  • Hepatitis A, B, Or C
  • High Blood Pressure
  • Home Health Care
  • Insulin
  • Liver Cirrhosis
  • Morbid Obesity
  • Multiple Sclerosis
  • Non-Cancerous Tumors
  • Parkinson’s Disease
  • Schizophrenia
  • Seizure Issues
  • Sleep Apnea
  • Systemic Lupus SLE
  • Type 1 Diabetes
  • Type 2 Diabetes
  • Water Pills
  • You Need Assistance With Actives Of Daily Living


That being said Final Expense differs three ways

1. Forgiving underwriting
Because these polices were designed to offer coverage to people outside of normal risk table parameters they come with very forgiving underwriting requirements

2. Guaranteed Issue polices for people in very poor health

Even those these products are designed for for “higher” risk client’s there are some risks the Insurance companies are just not willing to take. For this we have the Guaranteed issue policy.

3. Smaller Death Benefits

Because the Insurance Company is taking on more risk, they offer smaller amounts in the form of a death benefit.

This is the process for applying

You request coverage and answer basic health questions. There is no medical exam required. But they will check your prescription history. You can do this by giving verbal authorization. You don’t need to go to your doctor or the pharmacy. Once you answer these questions, most of the time the Insurance Company will make decision on the spot! The whole process takes less that 30 minutes.

The way to save money on Final Expense Polices is to shop through an independent Life Insurance Agency like Expense Mutual.

In fact you cannot buy these polices directly from the Insurance carriers they will direct you to their sales force who will endlessly call you with out giving any kind of price. The Life Insurance Companies do not have a website where you can shop rates. That is why Expense Mutual was started to put the power of shopping for Final Expense Life Insurance in the hands of the people.

The Expense Mutual Difference

We are an Independent Life Insurance Agency that only works with Final Expense Life Insurance. Founded by CEO Jared Lafferty, who worked for several major Life Insurance companies before starting Expense Mutual. Jared saw the backwardness of the Life Insurance Industry. The Industry uses high pressure low impact tactics to get as many people as possible to get a policy. Expense Mutual changes this dynamic. We use low pressure, high impact techniques to best serve you.