Final Expense Companies

	American Memorial Life Insurance Company
	United Home Life Insurance Company
	Foresters Life Insurance Company
	Mutual of Omaha Life Insurance Company
	Baltimore Life Insurance Company
	Sentinel Security Life Insurance Company

Final Expense Companies – Tips for Choosing the Right One

Choosing the right final expense insurance company can be a daunting task, considering that there are many good final expense companies that have been around a very long time. When it comes to your life insurance, you want to find a company that is going to be there when your family needs them most. So here are a few things we consider when choosing to represent a company that would also be good for you to consider when choosing to buy final expense insurance.

How Long Have  the Final Expense Companies Been in Business?

A companies ability to pay their claims is not really measured by how long they have been doing business, but when you see that a company has been around a while, it does tend to help your peace of mind. One company we represent (Monumental Life) has been doing business since 1858! Most of the companies we represent have been offering final expense plans for many years.

What are the Financial Ratings for the Company?

Although financial ratings of insurance companies might seem a bit ambiguous, it is important to choose a company that is financially stable. The difficult part about this is that there are different ratings agencies for insurance companies, and just because a company says they are rated “A”, doesn’t mean they are the highest rated. Thankfully, the financial rating for final expense companies is NOT the only factor. We consider many factors when recommending a company that might have the best plan for your situation.

Use a Broker to Get the Best Rate

The truth is, when it comes to final expense insurance, that the commercials you see on T.V. offering “guaranteed acceptance” for all cannot offer you the best rate. If you are healthy, why would you want to be in the same “risk pool” as someone who is very ill? By using a broker (such as us), we can compare rates from all of the companies and find you the best rate and the right coverage for your unique situation.

To find out which Final Expense Companies might be best for you, call us today at 877-763-3442