Top 4 Final Expense Life Insurance companies

Top 4 Final Expense Life insurance companies.

When researching Final Expense insurance companies, we suggest considering an independent insurance agency that specializes in Final Expense to assist you in selecting the top company for your requirements. The following are the top Final Expense companies selected from the research.

Mutual of Omaha

Mutual of Omaha offers dependable coverage to candidates across the nation, even those with significant health problems or a history of smoking. This is made possible with a diverse list of plans and strong underwriting.

There is a massive list of perks and riders that you can choose from. Standard riders like accelerated death benefits and accidental death are among them. The Mutual of Omaha’s Living Promise is a plan that is designed for final expense and is set for ages 45 to 85. You can purchase coverage ranging from $2,000 to $40,000.


AIG has a guaranteed insurance plan that is designed for people who have serious health problems and need affordable Final Expense insurance. It does not include a medical exam or other health-related inquiries.

A two-year waiting time applies to guaranteed issue policies. However, if you die in an accident, your beneficiary will receive the full death benefit in the first two years. You must wait the full two years for all other causes of death then the policy pays the full-face amount. Premiums will never increase for the life of the policy.

American National

While some insurance firms specialize in a single type of life insurance, American National has a complete portfolio, term insurance, universal life, guaranteed universal life, and indexed universal life plans readily available. Their final expense plans are competitive and are easy to work with.


Transamerica can have great value when searching for a final expense plan. Transamerica has lenient underwriting on many health conditions and the ability to offer preferred ratings can make them competitive when other firms are not. If your health is harmed because of a natural catastrophe, the Family Health Benefit Rider may be responsible for funding an ambulance or other similar charges.

Final Verdict

When choosing something as crucial as life insurance, it is necessary to be aware of the pros and cons of leading companies. We made our choices. Now it’s time to make yours!

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