Supplemental

High Volume. Fast Close. Clients Who Are Ready to Buy.

Final expense clients self-identify the need and are motivated to act. One of the fastest-closing product lines in insurance.

Get Started — Apply Now

Senior couple reviewing final expense insurance options together

No Medical Exam Required

Simplified issue underwriting means clients answer a few health questions only — no labs, no physicals, no long delays before approval.

Simplified Issue

Quick underwriting and fast approvals let you close policies the same day. No drawn-out back-and-forth — clients get covered fast.

Permanent Coverage

Final expense is whole life insurance — it never expires and the premium never increases, giving clients lifelong peace of mind.

50M+

Americans Ages 50–85 Without Coverage

A massive, underserved market where clients are actively looking for affordable burial and end-of-life coverage — they just need someone to call.

Why Agents Love This Market

Final expense is one of the most agent-friendly product lines in the business. Low barriers to entry, high client motivation, and a repeatable sales process you can run entirely by phone.

✓ Clients often call in already motivated to buy
✓ Average call-to-close under 30 minutes
✓ No complex underwriting or labs to coordinate
✓ High renewal rates with a loyal client base
✓ Pairs perfectly with Medicare for cross-sell income
✓ Works on inbound, outbound, and direct mail leads

$5K–$25K

Face Amount Range

Burial & Funeral Expenses
Outstanding Medical Bills
Credit Card & Small Debts
Family Living Expenses
Legacy / Gift to Loved Ones

Phone Sales Friendly

Final expense is purpose-built for remote sales. The entire process — from quote to approval — happens over the phone, making it one of the most efficient product lines for work-from-home agents and high-volume closers.

✓ No face-to-face visits required
✓ E-signature and digital application
✓ Quote, apply, and bind in a single call
✓ Instant decision from most carriers
✓ Same-day policy issuance available
✓ Works with TV, internet, and direct mail leads

Insurance agent closing a final expense policy over the phone from a home office