Home > Final Expense Companies

Written by Dvir Mosche | Licensed Agent (NPN: 18474584)

Best Final Expense Insurance Companies of 2026

Q: Which final expense insurance company is the cheapest?

There is no single cheapest company for everyone. The lowest rate depends on your age, gender, health history, and whether you use tobacco. The same policy can cost $47 a month at one carrier and $95 a month at another, so comparing several companies side by side is the only way to find your best price.

Q: My mom was turned down by one company. Can she still get coverage?

Yes, very likely. Every final expense company has its own health questions and rules, so being declined by one carrier does not mean she will be declined by another. Some companies also offer guaranteed acceptance plans with no health questions at all, so almost everyone between ages 50 and 85 can get some form of coverage.

Q: Why does the TV commercial company cost so much more than the ones on this page?

Companies that advertise heavily on television pay for that advertising through higher premiums and policies with built-in waiting periods. The carriers reviewed on this page are sold through independent agents instead of TV ads, which keeps prices lower and lets most healthy applicants skip the waiting period entirely.

Q: Do I have to take a medical exam to qualify?

No. Every company reviewed on this page uses simplified underwriting, which means no doctor visits, no blood work, and no urine sample. You answer a short list of health questions over the phone or online, and most applications get a decision the same day.

Q: How much coverage do most seniors actually need?

Most families pick between $10,000 and $25,000 in coverage, which is enough to pay for a funeral, burial or cremation costs, and any small bills left behind. The right amount depends on your funeral preferences and any debts you want covered, not on what the company tries to sell you.

Happy senior couple walking hand in hand along a tree-lined sidewalk in autumn

There is no single best final expense insurance company. The best carrier for you depends on your health history, age, state of residence, and budget — and the answer can shift dramatically based on factors as specific as a diabetes diagnosis, a heart procedure five years ago, or which state you live in. A person managing diabetic neuropathy has a completely different best company than a healthy 55-year-old shopping for the same coverage. Someone declined by one carrier may qualify for immediate, full-day-one coverage from another. This is why working with an independent agent who represents multiple carriers matters more than the brand on the policy.

Compare Final Expense Rates

Drag the sliders to see how rates change across all 10 carriers

Age 65

4585

Coverage Amount $15,000

$5K$50K

Gender

Tobacco

Monthly Rate — Lowest to Highest Female · Non-Tobacco

Rates shown are estimates based on each carrier's best available level/simplified issue rate class. Actual premiums may vary based on health underwriting. Not all companies are available in all states.

Best Final Expense Insurance Companies — At A Glance

Below is a quick-scan look at the ten final expense insurance carriers reviewed in this guide. Each card shows the headline data — rating, coverage range, issue ages, waiting period, financial strength, and a sample monthly burial insurance rate for a benchmark applicant (65-year-old female, non-tobacco, $15,000 coverage). Tap any company name to jump to its full profile further down the page.

Mutual of Omaha

Coverage: $2,000 – $40,000
Issue ages: 45 – 85
Waiting period: None (Level Benefit, subject to underwriting)
A.M. Best: A+ (Superior)
→ Jump to full Mutual of Omaha profile

Aetna (Accendo Insurance Company)

Coverage: $2,000 – $50,000
Issue ages: 40 – 89
Waiting period: None (Level Plan)
A.M. Best: A (Excellent)
→ Jump to full Accendo profile

Aetna (Continental Life) Protection Series

Coverage: $2,000 – $50,000
Issue ages: 45 – 89
Waiting period: None (Level Benefit only)
A.M. Best: A (Excellent)
→ Jump to full Aetna Protection Series profile

Aflac (Tier One Insurance Company)

Coverage: $2,000 – $50,000
Issue ages: 45 – 80
Waiting period: None (Preferred / Standard tiers)
A.M. Best: A+ (Superior)
→ Jump to full Aflac profile

Transamerica

Coverage: $1,000 – $50,000
Issue ages: 45 – 85
Waiting period: None (Immediate Solution)
A.M. Best: A (Excellent)
→ Jump to full Transamerica profile

American Amicable (Senior Choice)

Coverage: $2,500 – $35,000
Issue ages: 50 – 85
Waiting period: None (Immediate Death Benefit)
A.M. Best: A (Excellent)
→ Jump to full American Amicable profile

Liberty Bankers Life (SIMPL)

Coverage: $3,000 – $40,000
Issue ages: 50 – 85
Waiting period: None (SIMPL Preferred & Standard)
A.M. Best: A- (Excellent — upgraded from B++)
→ Jump to full Liberty Bankers profile

Royal Neighbors of America (Ensured Legacy)

Coverage: $5,000 – $30,000
Issue ages: 50 – 85
Waiting period: None (Simplified Issue)
A.M. Best: A (Excellent)
→ Jump to full Royal Neighbors profile

Corebridge Financial (AGL)

Coverage: $5,000 – $25,000 (GIWL) / $10,000 – $35,000 (SimpliNow)
Issue ages: 50 – 85
Waiting period: None (SimpliNow Legacy) / 2-year graded (GIWL)
A.M. Best: A (Excellent)
→ Jump to full Corebridge profile

CICA Life Insurance Company (Superior Choice)

Coverage: $5,000 – $30,000 (Standard) / $5,000 – $25,000 (Guaranteed Issue)
Issue ages: 50 – 80
Waiting period: None (Standard Issue) / 2-year (Guaranteed Issue)
A.M. Best: B++ (Good)
→ Jump to full CICA Life profile

Best Final Expense Insurance Companies Reviewed

The right final expense insurance company is not always the one with the loudest TV commercial or the nicest mailer.

It is the company that fits your:

✅ Age
✅ Health history
✅ State of residence
✅ Monthly budget
✅ Coverage needs

That is why there is no single “best” company for everyone.

A 72-year-old with controlled Type 2 diabetes may need a very different carrier than a 58-year-old in excellent health. Even for the same applicant, monthly final expense insurance premiums can vary by 30% or more from one carrier to another for the exact same coverage amount.

Each company profile below follows the same format so you can compare your options side by side.

You will see:

✅ Policy snapshot — coverage range, issue ages, waiting period, and whether premiums are locked in
✅ State availability — where the company currently offers coverage
✅ Financial strength data — A.M. Best rating, BBB profile, and NAIC complaint index
✅ Underwriting details — build chart, tobacco rating, and health conditions that may qualify for immediate or graded coverage
✅ Sample monthly burial insurance rates — shown across multiple age bands
✅ Pros and cons — what the company does well and where it falls short

Each profile also ends with a field-agent verdict.

That final section explains when the carrier is the right call, when it is not, and what type of client it usually fits best. This is the part you will not get from a quote engine or a basic comparison website.

It comes from real field experience placing funeral insurance policies across all ten of these carriers.

Mutual of Omaha

Underwritten by United of Omaha Life Insurance Company · Omaha, NE · Est. 1909

Policy snapshot

Product name	Living Promise® Whole Life Insurance
Policy type	Simplified issue (Level Benefit) & graded benefit — two separate plans
Coverage range	Level: $2,000 – $40,000 · Graded: $2,000 – $20,000 · (WA: $5,000 min both plans)
Issue ages	Level: 45 – 85 · Graded: 45 – 80
Waiting period	Level: None — full day-one coverage · Graded: 2-year — premiums paid + 10% for natural death; full benefit for accidental death from day one
Medical exam	Not required
Health questions	Yes — two-part simplified questionnaire (Part 1 & Part 2) + MIB check + prescription/Rx history check + random phone interview
Premiums locked	Yes — guaranteed level, never increase
Cash value	Yes
Build chart	Yes — both plans · Separate height/weight limits for Level (stricter) and Graded (slightly more lenient). Minimum weights also enforced.
Tobacco distinction	Yes — separate tobacco & non-tobacco classes on Level plan · No distinction on Graded plan (single class)
MIB check	Yes
Accelerated death benefit	Included free on Level plan only · terminal illness (12 months), nursing home confinement (90+ consecutive days), or chronic illness (FL only) · one-time lump-sum election
Accidental death rider	Available on Level plan only — pays additional benefit equal to the full face amount (2× total payout)
Other riders	None listed in product guide
Non-tobacco qualification	No nicotine products in any form (cigarettes, gum, patches, cigars, etc.) within 1 year prior to application
A.M. Best rating	A+ (Superior) · 2nd highest of 15 · affirmed March 2025, stable outlook

Pros & cons

Pros

Industry-leading financial strength — A+ from AM Best, A+ from S&P, and A1 from Moody’s. Very few final expense carriers hold top ratings from all three agencies.
Level Benefit offers full day-one coverage with no waiting period. No medical exam required — simplified issue only.
Competitively priced — Level Benefit premiums typically run 10%+ below many competitors, helping policies stay in force.
Diabetic-friendly — insulin users qualify for Level coverage if diabetes was diagnosed at age 50 or older
Optional Apptical point-of-sale phone interview gives an instant eligibility decision in ~15 minutes, before you leave the first appointment
Free Accelerated Death Benefit rider included on Level plan covers terminal illness, nursing home confinement, and chronic illness (FL)
Ranked #1 in J.D. Power 2025 U.S. Individual Life Insurance Study for customer satisfaction
One of the most recognized brand names among seniors — builds immediate trust at the kitchen table

Cons

Not available in New York — United of Omaha does not conduct business in NY
Build chart applies to both plans — minimum and maximum weight limits can disqualify applicants. Stricter than carriers with no build chart.
Graded plan not available in AR, MT, or NC
Cancer lookback is 4 years for Level coverage (via Part 2 question) — stricter than some competitors at 2 years
Maximum face amount is $40,000 (Level) / $20,000 (Graded) — lower ceiling than some carriers offering up to $50,000
Graded plan has no tobacco distinction — non-tobacco users don’t get a rate break on the graded tier
HIV/AIDS is an automatic decline under Part 1 — no graded or guaranteed issue option available
Random phone interviews can add processing time for applicants who aren’t expecting a follow-up call

Palmetto Mutual’s assessment

Our assessment

Mutual of Omaha’s Living Promise is one of the first carriers we quote for most final expense clients. Their rates are consistently among the lowest in the market for Level Benefit applicants, their customer service team picks up fast with minimal hold times, and for a company that’s been around since 1909 with A+ ratings from three major agencies, that kind of responsiveness matters. Living Promise is especially strong for insulin-dependent diabetics (diagnosed at age 50+) and seizure disorders — neither one blocks you from full day-one coverage, which is something many competitors can’t match. Where we pivot to other carriers: COPD is a lifetime graded question with no lookback, HIV/AIDS is a flat decline, and the 4-year cancer lookback is stricter than some competitors at 2 years.

Sample rates ▼

Monthly rates shown below are based on Mutual of Omaha’s current Living Promise rate schedules and include all applicable policy fees.

Level benefit — non-tobacco male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$30.68	$44.42	$71.89
55	$35.95	$52.32	$85.06
60	$43.76	$64.04	$104.60
65	$56.48	$83.12	$136.39
70	$74.61	$110.31	$181.72
75	$99.97	$148.36	$245.13
80	$139.73	$207.99	$344.52
85	$192.74	$287.51	$477.04

Level benefit — non-tobacco female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$24.31	$34.86	$55.96
55	$27.71	$39.96	$64.46
60	$32.87	$47.70	$77.36
65	$41.01	$59.91	$97.72
70	$53.24	$78.26	$128.29
75	$72.41	$107.01	$176.22
80	$98.43	$146.05	$241.28
85	$135.90	$202.25	$334.95

Level benefit — tobacco male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$38.27	$55.80	$90.87
55	$47.78	$70.06	$114.63
60	$59.64	$87.86	$144.29
65	$79.83	$118.15	$194.78
70	$107.36	$159.44	$263.60
75	$144.95	$215.82	$357.56
80	$206.27	$307.80	$510.86
85	$282.94	$422.81	$702.54

Level benefit — tobacco female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$31.54	$45.71	$74.05
55	$38.62	$56.32	$91.74
60	$45.19	$66.18	$108.16
65	$56.66	$83.38	$136.84
70	$74.48	$110.11	$181.38
75	$99.96	$148.33	$245.08
80	$135.14	$201.10	$333.04
85	$192.35	$286.92	$476.06

Graded benefit — male (monthly) · no tobacco distinction · 2-year waiting period on natural-cause death

Age	$10,000	$15,000	$20,000
50	$39.78	$59.14	$78.50
55	$46.89	$69.79	$92.70
60	$53.98	$80.43	$106.89
65	$64.77	$96.63	$128.48
70	$83.86	$125.26	$166.66
75	$108.86	$162.75	$216.64
80	$143.04	$214.03	$285.01

Graded benefit — female (monthly) · no tobacco distinction · 2-year waiting period on natural-cause death

Age	$10,000	$15,000	$20,000
50	$28.89	$42.80	$56.71
55	$35.98	$53.44	$70.90
60	$44.48	$66.19	$87.90
65	$52.48	$78.19	$103.90
70	$68.08	$101.58	$135.08
75	$94.16	$140.71	$187.26
80	$118.75	$177.60	$236.44

Rates are subject to change without notice and may vary by state. Montana uses unisex (male) rates. Accidental death rider premium is additional. Call us for an exact, personalized quote based on your age, health, and coverage needs.

Underwriting & health conditions ▼

Mutual of Omaha uses a two-part simplified health questionnaire, an MIB check, prescription (Rx) history check, and random phone interviews. No medical exam required. Three possible outcomes: Level Benefit (answer “No” to all questions — full day-one coverage), Graded Benefit (answer “Yes” to any Part 2 question — 2-year waiting period), or Decline (answer “Yes” to any Part 1 question — no coverage available).

Conditions approved for Level Benefit (no waiting period)

Type 2 diabetes — pills or insulin, if diagnosed at age 50 or older and no complications (retinopathy, nephropathy, neuropathy, PVD/PAD)
High blood pressure — controlled with medication
High cholesterol — controlled with medication
Cancer — 4+ years in remission, no treatment in past 4 years (not metastatic or recurrent same type)
Heart attack, stroke, bypass, angioplasty, stent — 2+ years ago with no treatment in past 2 years (and no diagnosis within past 12 months)
Blood thinners (warfarin/coumadin) — viewed as maintenance if non-CHF cardiac event was 2+ years ago
Cancer preventive medications (anastrazole, tamoxifen) — considered Level if no cancer diagnosis question is triggered
Sleep apnea — oxygen for sleep apnea specifically excluded from Part 1 wheelchair/oxygen question
Joint replacement / fracture-related wheelchair use — specifically excluded from Part 1 mobility question
Basal cell or squamous cell skin cancer — excluded from all cancer questions

Conditions that trigger Graded Benefit (Part 2 — 2-year waiting period)

Diabetes diagnosed before age 50, or diabetes at any age with complications: retinopathy, nephropathy, neuropathy, or peripheral vascular disease (PVD/PAD)
Hepatitis C — ever diagnosed or treated
Chronic lung disease — COPD, chronic bronchitis, emphysema, or sarcoidosis (ever)
Cancer, leukemia, melanoma — diagnosed or treated within the past 4 years (except basal/squamous cell skin cancer)
Chronic kidney disease, systemic lupus, scleroderma — within past 4 years
Bipolar depression, schizophrenia, Parkinson’s, multiple sclerosis — within past 4 years
Coronary artery disease, heart attack, bypass, angioplasty, cardiomyopathy, irregular rhythm, valvular disease w/ repair — within past 2 years
Stroke or TIA — within past 2 years
Felony conviction or awaiting trial — within past 2 years
Alcohol/drug abuse treatment or 2+ convictions for reckless driving/DUI — within past 2 years
Unlawful drug use or prescription drug abuse — within past 2 years
Hospitalized for mental/nervous disorder — within past 2 years
Chronic cough, unexplained weight loss (10+ lbs), fatigue, unexplained GI bleeding — physician consultation within past 12 months

Conditions that trigger Decline (Part 1 — no coverage available)

Currently bedridden, confined to hospital, nursing home, LTC facility, or SNF; receiving or advised to receive hospice or home health care
Currently requiring ADL assistance (medications, bathing, dressing, eating, toileting, transfers, bowel/bladder)
Currently requiring wheelchair, electric scooter, or oxygen (except for fractures, bone/joint surgery, or sleep apnea)
Ever diagnosed with HIV/AIDS/ARC
Ever diagnosed with Alzheimer’s, dementia, Huntington’s, sickle cell anemia, MDS, ALS, quadriplegia, paraplegia, Down’s syndrome, mental incapacity, congestive heart failure, cirrhosis, metastatic cancer, or recurrent cancer of the same type
Ever: insulin shock, diabetic coma, amputation due to diabetes, end-stage renal disease, or dialysis
Ever advised to receive or received organ or bone marrow transplant
Terminal illness — death expected within 12 months
Past 12 months: advised surgery, diagnostic testing (non-routine), treatment, or hospitalization not yet completed or results unknown
Past 12 months: diagnosed with heart disease or heart surgery of any kind
Past 2 years: diagnosed with any form of cancer (except basal/squamous cell skin cancer)

Lookback periods

Condition	Lookback	Level eligible if…
Cancer (except basal/squamous skin)	4 years (Part 2) · 2 years (Part 1)	4+ years remission, no treatment. Within 2 years = decline.
Heart disease / heart surgery	12 months (Part 1) · 2 years (Part 2)	2+ years ago. Within 12 months = decline. 12–24 months = graded.
Stroke / TIA	2 years (Part 2)	2+ years ago, no treatment
COPD / emphysema / chronic bronchitis	Ever (Part 2)	Not eligible for Level — goes to Graded if ever diagnosed
Bipolar / schizophrenia / Parkinson’s / MS	4 years (Part 2)	4+ years without treatment
Chronic kidney disease / lupus / scleroderma	4 years (Part 2)	4+ years without treatment
Diabetes (with complications or dx before 50)	Ever (Part 2)	Not eligible for Level — goes to Graded
Hepatitis C	Ever (Part 2)	Not eligible for Level — goes to Graded
Felony / drug abuse / DUI	2 years (Part 2)	2+ years clear
Unexplained symptoms (cough, weight loss, fatigue, GI bleed)	12 months (Part 2)	12+ months since physician consultation

Underwriting guidelines and health questions may vary by state. Prescription (Rx) history checks and MIB records may reveal conditions not disclosed on the application, which can change the eligibility decision. Call us to discuss your specific health situation and find out which plan you qualify for.

State availability ▼

Available — 49 states + D.C. (Level Benefit)

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Not available

Graded Benefit plan restrictions

AR — no Graded MT — no Graded NC — no Graded

United of Omaha Life Insurance Company does not conduct business in New York. Montana requires unisex rates (male rates apply to all applicants). Washington has a $5,000 minimum face amount for both plans. Accelerated Death Benefit rider differs by state: covers chronic illness in FL; terminal illness only in CT. Product features, provisions, and riders may vary by state.

Financial strength & trust signals ▼

A.M. Best rating	A+ (Superior) — 2nd highest of 15 tiers; affirmed March 2025; stable outlook
S&P Global rating	A+ — affirmed May 2025; stable outlook
Moody’s rating	A1
BBB rating	A+ — accredited since 1940
Year founded	1909 (115+ years)
Headquarters	3300 Mutual of Omaha Plaza, Omaha, NE 68175
Organization type	Mutual company — owned by policyholders, no shareholders
Underwriting entity	United of Omaha Life Insurance Company (subsidiary)
Total assets	~$35 billion
Statutory surplus	$4.1 billion (as of Q1 2025)
Policyholders	3.5+ million
Fortune 500	Yes
Notable recognition	#1 in J.D. Power 2025 U.S. Individual Life Insurance Study · $8.1B in benefits paid to 6.8M policyholders in 2024

Height & weight chart ▼

Both the Level and Graded plans require applicants to fall within Mutual of Omaha’s height/weight limits. The Graded plan allows slightly higher maximum weights. Applicants below the minimum weight are also declined.

Height	Min Weight	Level Max	Graded Max
4’8″	74	204	221
4’10”	79	214	231
5’0″	85	226	244
5’2″	91	239	257
5’4″	97	252	270
5’6″	103	268	285
5’8″	109	283	300
5’10”	115	300	316
6’0″	122	315	333
6’2″	129	331	349
6’4″	136	348	367
6’6″	143	366	385
6’8″	151	385	405
6’10”	158	407	427

Full chart includes every inch increment — abbreviated here to every 2 inches for readability. Weights in lbs. Applicants above the Graded maximum or below the minimum are not eligible for coverage.

How to apply ▼

Application method: Through licensed agent only — e-app (electronic) or paper application
E-app available: Yes — eliminates go-backs for missed signatures and pages
POS interview: Optional — Apptical phone interview for instant eligibility decision (~15 min). Call 855-464-9577 after completing the application.
Apptical hours: Mon–Fri 8:30 AM – 2:00 AM ET · Sat–Sun 10:00 AM – 10:00 PM ET
Approval speed: Instant (via Apptical POS) · Without POS: 24–48 hours typical after submission
Buy direct?: No — must go through a licensed agent. Mutual of Omaha’s internal call center can only offer guaranteed acceptance coverage (not Living Promise).
Phone (UW support): (800) 775-7896
Phone (general): (800) 775-6000
Payment methods: Bank account drafts only
Payment modes: Monthly, quarterly, semiannual, or annual
Paper app fax: 1-402-997-1800
Paper app mail: United of Omaha Life Insurance Company, Attn: Individual Life Underwriting, P.O. Box 2476, Omaha, NE 68103-2476
Policy exclusion: Suicide within 2 years of issue (1 year in ND) — premiums refunded minus any loan
Combined limits: Level: max $40K Living Promise + max $50K all SI coverage with United of Omaha · Graded: max $20K Living Promise + max $25K all graded coverage with United of Omaha

→ Go to Mutual of Omaha company page

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Accendo Insurance Company

Part of the CVS Health® family of companies · Aetna affiliate · West Valley City, UT · Est. 1955

⚠️ Product distinction: This profile covers the Accendo Insurance Company final expense product (CVS Health series). This is a separate product from the Aetna Protection Series℠ issued by Continental Life Insurance Company of Brentwood, TN. Both are Aetna affiliates, but they have different underwriting, different health questions, different pricing, and different state availability. Do not confuse them.

Policy snapshot

Product name	Final Expense Individual Whole Life Insurance (CVS Health Series)
Policy type	Simplified issue (Level Benefit — Preferred, Standard, Super Preferred tiers) & Modified Death Benefit
Coverage range	$2,000 – $50,000 (varies by age — see face amount table below)
Issue ages	Level plans: 40 – 89 · Modified: 40 – 75
Waiting period	Level (Preferred & Standard): None — full day-one coverage · Modified: 2-year — 110% of earned premium for natural death in years 1–2; full benefit year 3+; accidental death covered 100% from day one
Medical exam	Not required
Health questions	Yes — simplified questionnaire (Parts A, B, C) + MIB check + prescription/Rx history check
Premiums locked	Yes — guaranteed level, never increase
Cash value	Yes — policy loans available on amounts exceeding $1,000 with annual interest
Build chart	No build chart — no height/weight limits
Tobacco distinction	Yes — separate tobacco & non-tobacco rate classes on all plans
MIB / Rx check	Yes — all applications
Accelerated death benefit	Included free on Level plans only · terminal, chronic, or critical illness with ≤12-month life expectancy · up to 50% of face (min $1,000 / max $15,000) · $200 admin fee deducted
Accidental death rider	Available on Level plans only — pays 100% of face amount for accidental death, issue ages 40–70 · Annual rate: $3.30/thousand (ages 40–64), $4.80/thousand (ages 65–70)
Child/Grandchild rider	Available on Level plans only — $2,500 to $10,000 per child in $2,500 increments; covers children/stepchildren/grandchildren/great-grandchildren ages 30 days–17; convertible to whole life (5× face, up to $35,000) at ages 22–25 after 2 years in force. Max 9 children.
Annual policy fee	$40 (all plans)
Super Preferred rate	10% off Preferred — available if Aetna/Accendo Medicare Supplement policy was issued within last 180 days
A.M. Best rating	A (Excellent) · 3rd highest of 15

Face amount limits by age

Ages 40–55	Level: $2,000 – $50,000 · Modified: $2,000 – $25,000
Ages 56–65	Level: $2,000 – $40,000 · Modified: $2,000 – $25,000
Ages 66–75	Level: $2,000 – $30,000 · Modified: $2,000 – $25,000
Ages 76–89	Level: $2,000 – $25,000 · Modified not available

Pros & cons

Pros

No height/weight build chart — one of very few final expense carriers with zero weight restrictions. Huge advantage for overweight or obese clients declined elsewhere.
Issue ages 40–89 — covers applicants up to age 89, which is extremely rare. One of the only options for clients ages 86–89.
Lenient underwriting — COPD, Parkinson’s, MS, and heart attack/stroke 2+ years ago all qualify for Standard (immediate full coverage). Many carriers decline or grade these conditions.
Two immediate-coverage tiers — Preferred and Standard both pay full day-one benefit, allowing more accurate pricing by risk level.
Instant decision e-App through the Aetna agent portal — point-of-sale approval in minutes. Fully telesales-compatible.
Super Preferred rate (10% off Preferred) for clients with a recent Aetna/Accendo Medicare Supplement — strong cross-sell opportunity.
One of the easiest e-signature processes in the industry — the client receives a text message with a verification code, no email to open or DocuSign link to hunt down. Reduces friction and speeds up the close.
Social Security deposit schedule billing — premium drafts align with SS deposit dates (2nd, 3rd, or 4th Wednesday), reducing lapse risk.
Backed by CVS Health and Aetna — A.M. Best “A” rated, with the financial strength of one of the largest healthcare companies in the country.

Cons

No guaranteed issue option — if a client hits a Part A knock-out question, there is no fallback GI plan within Accendo. You’ll need to pivot to another carrier.
Modified plan limited to ages 40–75 — clients 76–89 who trigger Part B health questions are declined with no graded option. Gap for older clients with recent cardiac events or diabetes complications.
Policy mail times can be slow — multiple agent reports cite 3+ weeks for policy delivery by mail.
Claims processing reputation — Aetna’s broader brand carries complaints about slow claims handling. Accendo FE is administered separately via Landmark Life, but the association persists.
Checking and savings accounts only — no credit card or debit card payments accepted for EFT. Can be a friction point.
$40 annual policy fee on all plans — small but worth noting vs. carriers with no policy fee.
Applications sometimes referred to underwriting — while most get instant decisions, some apps are flagged for manual review (24–48 hour delay).
Riders unavailable on Modified plan — no accelerated death benefit, no accidental death, no child rider on graded coverage.

Palmetto Mutual’s assessment

Our assessment

Accendo is a go-to carrier for hard-to-place clients. No build chart means weight is never an issue, and conditions like COPD, Parkinson’s, and heart attacks over two years ago still qualify for immediate, first-day coverage — something most carriers can’t offer. It’s also one of the few options that will write all the way up to age 89. The e-App signature process is one of the easiest in the industry — the client just gets a text with a code, no opening emails or hunting for a DocuSign link. Where we look elsewhere: there’s no guaranteed issue fallback if someone gets declined, and for healthy applicants with no conditions, Mutual of Omaha usually wins on price. But when another carrier says no, Accendo often says yes.

Sample rates ▼

Rates shown are monthly EFT premiums. Rates are subject to change without notice and may vary by state. Preferred rates may be lower for qualifying applicants. Call us for an exact, personalized quote based on your age, health, and coverage needs.

Preferred level — non-tobacco male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$34.39	$49.78	$80.56
55	$44.10	$64.34	$104.83
60	$51.10	$74.85	$122.35
65	$58.19	$85.48	$140.06
70	$73.15	$107.93	$177.47
75	$101.41	$150.32	$247.63
80	$140.27	$208.10	$345.76
85	$195.95	$291.13	$481.49

Preferred level — non-tobacco female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$27.30	$39.15	$62.84
55	$34.39	$49.78	$80.56
60	$40.51	$59.27	$96.78
65	$47.60	$69.65	$113.75
70	$58.19	$85.48	$139.97
75	$75.86	$112.29	$184.91
80	$101.41	$150.32	$247.63
85	$136.69	$203.23	$336.31

Preferred level — tobacco male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$47.60	$69.65	$113.75
55	$55.56	$81.53	$133.47
60	$66.15	$97.43	$159.97
65	$82.86	$122.49	$201.74
70	$111.13	$164.89	$272.44
75	$157.10	$233.84	$387.34
80	$228.34	$340.71	$566.53
85	$334.25	$499.58	$830.22

Preferred level — tobacco female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$41.39	$60.58	$98.97
55	$44.98	$65.96	$107.91
60	$51.10	$74.85	$122.35
65	$61.56	$90.54	$148.50
70	$79.36	$117.24	$193.00
75	$104.91	$155.56	$256.59
80	$157.85	$234.97	$389.22
85	$214.29	$319.63	$530.31

Standard level — non-tobacco male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$40.51	$59.27	$96.78
60	$61.69	$90.73	$148.81
65	$79.36	$117.24	$193.00
70	$104.04	$154.26	$254.69
75	$143.76	$213.84	$354.00
80	$202.83	$302.44	$501.67
85	$312.08	$466.32	$774.78

Standard level — non-tobacco female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$37.01	$53.71	$87.12
60	$51.10	$74.85	$122.35
65	$61.69	$90.73	$148.81
70	$76.72	$113.28	$186.40
75	$97.91	$145.07	$239.34
80	$140.27	$208.10	$345.76
85	$219.98	$328.17	$544.55

Modified — non-tobacco male (monthly) · 2-year waiting period on natural-cause death

Age	$10,000	$15,000	$25,000
50	$49.44	$72.36	$118.19
60	$78.49	$115.93	$190.82
65	$102.46	$151.89	$250.75
70	$122.41	$181.81	N/A
75	$185.24	$276.06	N/A

Modified — non-tobacco female (monthly) · 2-year waiting period on natural-cause death

Age	$10,000	$15,000	$25,000
50	$38.89	$56.53	$91.82
60	$59.85	$88.47	$145.22
65	$67.99	$100.18	$164.56
70	$88.90	$131.55	N/A
75	$144.29	$214.63	N/A

Rates are subject to change without notice and may vary by state. Preferred rates may be lower for qualifying applicants. Modified plan max face: $25,000 (ages 40–75 only). Level plan max face decreases by age band (see snapshot). Super Preferred rates (10% off Preferred) available for clients with Aetna/Accendo Med Supp issued within 180 days — not shown above. Call us for an exact, personalized quote based on your age, health, and coverage needs.

Underwriting & health conditions ▼

Accendo uses a simplified health questionnaire (application form ICC20-ACCFE05982), an MIB check, and a prescription/Rx history check. No medical exam. Four possible outcomes: Super Preferred (all “No” answers + Aetna Med Supp within 180 days — 10% off Preferred), Preferred Level (all “No” answers — lowest standard rates), Standard Level (“Yes” in Part C — immediate coverage, higher premium), or Modified (“Yes” in Part B — 2-year graded benefit). A “Yes” in Part A = decline — no coverage available.

Part A — Automatic decline (do not submit application)

Currently confined in or advised to enter a hospital, nursing home, skilled nursing facility, psychiatric facility, or correctional facility
Receiving or advised to receive home health care or hospice care
Uses wheelchair or mobility scooter, or requires ADL assistance (medications, bathing, dressing, eating, toileting, transfers, ambulation)
Within past year: used or advised to use oxygen equipment (excluding CPAP for sleep apnea), or had/advised to have kidney dialysis
Within past year: advised to have medical procedure, surgery, or diagnostic test not yet completed or results unknown (excluding HIV tests)
Ever received or advised to receive organ or bone marrow transplant, or amputation due to disease or diabetes complications
Ever diagnosed/tested positive for HIV, ARC, or AIDS
Ever diagnosed with ALS (Lou Gehrig’s Disease), Huntington’s Disease, or sickle cell anemia
Ever diagnosed with Alzheimer’s disease, dementia, or mental incapacity
Ever diagnosed with congestive heart failure, pulmonary fibrosis, any terminal condition, or end-stage disease
Ever diagnosed with cerebral palsy, cystic fibrosis, muscular dystrophy, or un-operated heart defects
Within past 2 years: diagnosed with, received, or advised to receive chemotherapy or radiation for any cancer (excluding basal or squamous cell skin cancer)
Ever diagnosed with more than one occurrence of the same or different type of cancer

Part B — Triggers Modified plan (2-year graded benefit)

Within past 2 years: alcohol or drug abuse (prescribed or illegal), illegal drug use, or convicted/pled guilty to DUI
Within past 2 years: complications of diabetes — diabetic coma, insulin shock, retinopathy, nephropathy (kidney), or neuropathy (nerve/circulatory)
Within past 2 years: kidney or liver disease
Within past year: angina (chest pain), heart attack, cardiomyopathy, or any heart/circulatory procedure or surgery
Within past year: stroke, TIA (mini-stroke), aneurysm, or brain tumor

Part C — Triggers Standard Level plan (immediate coverage, higher premium)

Within past 2 years: angina, heart attack, cardiomyopathy, or any heart/circulatory procedure or surgery
Within past 2 years: stroke, TIA, aneurysm, or brain tumor
Ever: Parkinson’s disease, Multiple Sclerosis, or Systemic Lupus (SLE)
Ever: COPD, chronic bronchitis, emphysema, or any other chronic respiratory condition

All “No” in Parts A, B, and C → Preferred Level Plan (or Super Preferred with Aetna Med Supp)

Lookback periods

Condition	Lookback	Outcome
Cancer (single occurrence, excl. basal/squamous skin)	2 years (Part A)	Within 2 years + chemo/radiation = decline. 2+ years = Preferred
Multiple cancer occurrences	Ever (Part A)	Decline
Heart attack / heart surgery / angina / cardiomyopathy	1 year (Part B) · 2 years (Part C)	Within 1 year = Modified. 1–2 years = Standard. 2+ years = Preferred
Stroke / TIA / aneurysm / brain tumor	1 year (Part B) · 2 years (Part C)	Within 1 year = Modified. 1–2 years = Standard. 2+ years = Preferred
COPD / emphysema / chronic bronchitis	Ever (Part C)	Standard (immediate coverage — never Level)
Parkinson’s / MS / Systemic Lupus	Ever (Part C)	Standard (immediate coverage — never Level)
Diabetes complications (coma, shock, retinopathy, nephropathy, neuropathy)	2 years (Part B)	Within 2 years = Modified. 2+ years = Preferred
Kidney or liver disease	2 years (Part B)	Within 2 years = Modified. 2+ years = Preferred
Alcohol/drug abuse / DUI	2 years (Part B)	Within 2 years = Modified. 2+ years = Preferred
Alzheimer’s / dementia / CHF / pulmonary fibrosis	Ever (Part A)	Decline — no coverage available
HIV / AIDS	Ever (Part A)	Decline — no coverage available

Underwriting guidelines and health questions may vary by state. Prescription (Rx) history and MIB records may reveal conditions not disclosed on the application, which can change the eligibility decision. Accendo also uses a comprehensive medication list — certain drugs are unacceptable regardless of condition. Call us to discuss your specific health situation and find out which plan you qualify for.

State availability ▼

Available — most states (40+ and expanding)

Accendo’s final expense product launched in summer 2020 and has been expanding to new states since. It is now available in the majority of U.S. states.

ALAZARCACOCTDCDEFLGAHIIDILINIAKSKYLAMEMDMIMNMSMOMTNENVNHNJNMNCNDOHOKORPASCSDTNTXUTVAVTWAWIWVWY

Confirmed not available

NY MA RI

Financial strength & trust signals ▼

A.M. Best rating	A (Excellent) — 3rd highest of 15 tiers
S&P Global rating	A+ (Aetna Life Insurance Company)
Moody’s rating	A1 (Aetna Life Insurance Company)
Fitch rating	AA- (Aetna Life Insurance Company)
BBB rating	A+ (Aetna parent)
Year founded	1955 (original Utah entity); relaunched for senior products ~2019–2020 under CVS Health/Aetna
Headquarters	3148 West 3500 South, West Valley City, UT 84119
Parent company	CVS Health Corporation (NYSE: CVS) — via Aetna Inc. subsidiary
Policy administration	Policies administered by Aetna Life Insurance Company and its affiliates
Policyholder servicing	Landmark Life Insurance Company (since June 28, 2021)
CVS Health at a glance	9,800+ retail locations · 1,100+ walk-in clinics · ~93M pharmacy benefit plan members · Fortune 4 company
Notable	One of only two burial insurance companies (along with the Protection Series) backed by two major U.S. brands — CVS Health and Aetna (150+ years of insurance history).

How to apply ▼

Application method: Through licensed agent only — e-App (electronic, telesales or face-to-face) or paper application
E-app available: Yes — through Aetna Senior Products agent portal (aetnaseniorproducts.com). All Aetna family products accessible in one e-App.
Approval speed: Instant decision on most e-App submissions · Paper apps: 24–48 hours typical · Some cases referred to underwriting
Buy direct?: No — must go through a licensed, contracted agent. Aetna does not sell final expense directly to consumers.
Agent services: 1-866-272-6630
Policyholder services: Landmark Life Insurance Company: 1-800-416-8377 (Mon–Thu 8 AM – 5 PM CT, Fri 8 AM – 2:30 PM CT)
Application form: ICC20-ACCFE05982
POS interview: Yes — point of sale interview required
Effective date: Can request effective date up to 90 days in the future from application signature date
Payment methods: EFT only — checking and savings accounts. No credit/debit cards.
Payment modes: Monthly EFT, quarterly, semi-annual, or annual. Social Security deposit schedule billing available (2nd, 3rd, or 4th Wednesday).
Paper app fax: Fax or upload to Accendo Life Insurance Company, P.O. Box 14399, Lexington, KY 40512
Mailing address: Accendo Insurance Company, P.O. Box 323, Brownwood, TX 76804 (for premium payments after 6/2021)
Signature options: Text message verification code (fastest — client just texts back a code), voice signature, or security question. One of the simplest signature processes in the industry — no email or DocuSign required.
Policy exclusion: Suicide within 2 years of issue — premiums refunded. Material misrepresentation within 2 years may result in full chargeback.

→ Go to Accendo company page

Back to companies ↑

Aetna Protection Series℠

Underwritten by Continental Life Insurance Company of Brentwood, TN · An Aetna Company · Est. 1983

Policy snapshot

Product name	Protection Series℠ Final Expense Individual Whole Life Insurance
Policy type	Simplified issue — Level Benefit only (no graded or modified plan — any “yes” on health questions = decline, not step-down)
Coverage range	$2,000 – $50,000 (varies by age — see breakdown below)
Face amount by age	Ages 45–55: $2,000–$50,000 · Ages 56–65: $2,000–$40,000 · Ages 66–75: $2,000–$30,000 · Ages 76–89: $2,000–$25,000
Issue ages	45 – 89 (age last birthday)
Waiting period	None — full death benefit from day one for both accidental and natural death on every approved policy
Medical exam	Not required
Health questions	Yes — 12-question simplified issue application + point-of-sale recorded phone interview + Rx/medication history check + MIB check
Premiums locked	Yes — guaranteed level, never increase
Cash value	Yes — policy loans available on balances exceeding $1,000
Annual policy fee	$40 ($3.33/month built into premium)
Build chart	No build chart — no height/weight restrictions
Tobacco distinction	Yes — separate tobacco and non-tobacco rate classes · 12-month lookback including vaping and e-cigarettes
MIB check	Yes — authorized in applicant agreement
Accelerated death benefit	Available — up to 50% of face amount for qualifying terminal, chronic, or critical illness (min $1,000, max $15,000; life expectancy must be at least 12 months)
Accidental death rider	Available — pays 100% of base face amount for accidental death (issue ages 40–70)
Children’s term rider	Available — $2,500 to $10,000 per child in $2,500 increments · covers children, stepchildren, grandchildren, great-grandchildren age 30 days–17 years · convertible to whole life between ages 22–25 after 2 years in force · max 9 children per application
Non-forfeiture options	Included free — Reduced Paid-Up · Extended Term (default if no selection made) · Automatic Premium Loan
SS payment matching	Yes — automatic premium payments can align with Social Security deposit schedule (2nd, 3rd, or 4th Wednesday of the month)
Medigap discount	Available — Super Preferred rate if applicant has an existing Medicare Supplement policy with Aetna
A.M. Best rating	A (Excellent) · CLI and American Continental Insurance Company (ACI) both carry this rating

Pros & cons

Pros

Accepts applicants up to age 89 — one of the only carriers in the market that will issue new final expense coverage past age 85
No build chart — no height/weight restrictions at all. Overweight and obese applicants qualify without penalty, unlike carriers with strict build charts.
Every approved policy gets full Day 1 coverage — since this is a level-only product, there’s no graded surprise. If you’re approved, you’re covered immediately.
Coverage up to $50,000 (ages 45–55) — higher maximum face amount than most final expense carriers, which typically cap at $25K–$35K
Competitively priced — rates consistently rank among the lowest across our carrier panel, especially for non-tobacco females
Medigap discount available — applicants with an existing Aetna Medicare Supplement policy qualify for a Super Preferred rate class
Social Security payment matching — premium due dates align with SS deposit schedule for easier budgeting
Accelerated Death Benefit, Accidental Death Benefit, and Children’s Term riders available — more rider options than many final expense carriers offer
Backed by Aetna / CVS Health — strong financial foundation with A (Excellent) rating from A.M. Best

Cons

No graded or guaranteed issue fallback — if the applicant answers “yes” to any health question, they’re simply declined. No step-down plan available. You must place them with a different carrier.
Not available in 11 states + DC — AK, CA, CT, DC, HI, MA, MD, ME, NY, VT, WA. Losing California and New York is a significant geographic gap.
Insulin-dependent diabetics are declined — unlike Mutual of Omaha which accepts insulin users diagnosed at age 50+, any insulin use at all is a decline on this product
Cancer lookback is 36 months — stricter than some competitors at 24 months for graded eligibility. Within 36 months of cancer diagnosis = flat decline here.
Point-of-sale recorded phone interview required — can slow down placement vs. carriers with e-app instant decisions
$40 annual policy fee — adds to the effective cost; many competitors don’t charge a separate policy fee
Accidental death rider caps at issue age 70 — not available for applicants 71+
A.M. Best rating is A (Excellent), not A+ — strong but one tier below Mutual of Omaha, which holds A+ (Superior) from three agencies
Atrial fibrillation within 36 months is a decline — many competitors accept a-fib for level or graded coverage

Palmetto Mutual’s assessment

Our assessment

The Aetna Protection Series is one of the strongest options available for applicants over age 80 — very few carriers will issue new final expense coverage at ages 86 through 89, and this product does it with full Day 1 benefits and no waiting period. The absence of a build chart also makes it a standout choice for applicants who are overweight or obese, eliminating a common barrier that disqualifies them from coverage elsewhere. Rates are consistently competitive across the carrier panel, particularly for non-tobacco females, and the Super Preferred discount for existing Aetna Medigap policyholders can make this the lowest-cost option for that specific client profile. The application process is also notably streamlined — Aetna uses one of the simplest signature procedures in the industry, texting the applicant a code to read back to the agent during the recorded interview, which eliminates paper signatures and speeds up the entire process. Where this product has clear limitations: it operates as all-or-nothing. There is no graded or modified safety net — if an applicant answers “yes” to any health question, they are declined outright and must be placed with a different carrier. Insulin-dependent diabetics are declined regardless of age of diagnosis, which is stricter than competitors like Mutual of Omaha that accept insulin users diagnosed at age 50 or older. The 36-month cancer lookback is also longer than some competitors. For borderline applicants, the Accendo (ACC) product may be a better starting point since it offers a modified benefit plan as a fallback.

Sample rates ▼

Monthly rates shown below are based on Aetna’s current Protection Series rate schedules and include the $3.33/month policy fee. Rates reflect the standard preferred rate class. Super Preferred rates (Aetna Medigap discount) are lower — call us for those quotes.

Level benefit — non-tobacco male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$33.75	$48.96	$79.38
55	$41.33	$60.33	$98.33
60	$50.17	$73.59	$120.43
65	$55.83	$82.08	$134.58
70	$70.00	$103.34	$170.01
75	$97.50	$144.59	$238.76
80	$134.16	$199.58	$330.41
85	$187.49	$279.57	$463.73

Level benefit — non-tobacco female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$26.67	$38.34	$61.68
55	$32.25	$46.71	$75.63
60	$39.58	$57.71	$93.96
65	$45.83	$67.08	$109.58
70	$55.83	$82.08	$134.58
75	$72.50	$107.09	$176.26
80	$97.50	$144.59	$238.76
85	$131.66	$195.83	$324.16

Level benefit — tobacco male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$46.67	$68.34	$111.68
55	$51.67	$75.84	$124.18
60	$65.00	$95.84	$157.51
65	$79.16	$117.08	$192.91
70	$106.66	$158.33	$261.66
75	$150.83	$224.58	$372.08
80	$219.99	$328.32	$544.98
85	$321.65	$480.81	$799.13

Level benefit — tobacco female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$40.42	$58.97	$96.06
55	$42.17	$61.59	$100.43
60	$50.00	$73.34	$120.01
65	$59.16	$87.08	$142.91
70	$75.83	$112.08	$184.58
75	$100.83	$149.58	$247.08
80	$151.66	$225.83	$374.16
85	$208.33	$310.83	$515.83

Rates are subject to change without notice and may vary by state. Super Preferred rates (Aetna Medigap discount) are lower than shown above — call us for a personalized quote. Rider premiums are additional. Maximum face amount decreases at ages 56, 66, and 76 (see policy snapshot).

Underwriting & health questions ▼

The Protection Series uses a 12-question simplified health questionnaire administered during a mandatory point-of-sale recorded phone interview. Aetna also runs an Rx/medication history check and an MIB check. No medical exam required. There are only two outcomes: approved for Level Benefit (full Day 1 coverage) or declined. There is no graded or modified tier on this product. If any health question is answered “yes,” the applicant does not qualify.

The following are the exact health questions from the current CLI Protection Series application (form ICC20-CLIFE06194). A “yes” to any question = decline.

Health questions — Section 2 (verbatim from application)

Are you dependent on a wheelchair or any motorized mobility device?

Do any of the following apply to you? Currently hospitalized, confined to a bed, in a nursing facility or assisted living facility, receiving home health care or physical therapy

At any time, have you been medically diagnosed, treated, or had surgery for any of the following?

A. Congestive heart failure, unoperated aneurysm, defibrillator

B. Leukemia, lymphoma, multiple myeloma, cirrhosis

C. Parkinson’s Disease, Lou Gehrig’s Disease (ALS), Alzheimer’s Disease, dementia, multiple sclerosis, muscular dystrophy, cerebral palsy

D. Chronic kidney disease, kidney failure, kidney disease requiring dialysis, renal insufficiency, Addison’s Disease

E. Any condition requiring a bone marrow transplant or stem cell transplant, any condition requiring an organ transplant

Have you been medically diagnosed or treated for diabetes?

A. That requires use of insulin?

B. With complications including retinopathy, neuropathy, peripheral vascular or arterial disease or heart artery blockage?

C. With history of heart attack or stroke (at any time)?

D. Treated with medication that has been changed or adjusted in the past 12 months because of uncontrolled blood sugar?

Within the past 36 months, have you been medically diagnosed, treated, or had surgery for any of the following?

A. Alcoholism, drug abuse

B. Cardiomyopathy, atrial fibrillation, anemia requiring repeated blood transfusions, any other blood disorder

C. Internal cancer, melanoma, Hodgkin’s Disease

D. Hepatitis, disorder of the pancreas

Within the past 24 months, have you been medically diagnosed, treated, or had surgery for any of the following?

A. Enlarged heart, transient ischemic attack (TIA), stroke, peripheral vascular or arterial disease, neuropathy, amputation caused by disease

B. Myasthenia gravis, systemic lupus or connective tissue disorder

C. Osteoporosis with fractures, Paget’s Disease, arthritis that restricts mobility or the activities of daily living

D. Any lung or respiratory disorder requiring the use of a nebulizer or oxygen, or 3 or more medications for lung or respiratory disorder

E. Any lung or respiratory disorder and currently use tobacco products

Within the past 12 months, have you been advised by a medical professional to have treatment, further evaluation, diagnostic testing (except those tests related to HIV/AIDS virus), or surgery that has not been performed or do you have pending test results?

At any time, have you been diagnosed as having or tested positive for Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC), or Human Immunodeficiency Virus (HIV) Infection?

Within the past 12 months, have you been medically diagnosed or treated, or had surgery for a heart attack, artery blockage, or heart valve disorder?

Within the past 12 months, have you been medically diagnosed with wet macular degeneration and have taken or are currently receiving injections?

Within the past 12 months, do any of the following apply to you?

A. Had a pacemaker implanted?

B. Had a PSA blood test greater than 4.5, under age 70, with no history of prostate cancer?

C. Had a PSA blood test greater than 6.5, age 70 or older, with no history of prostate cancer?

D. Medically diagnosed as having a seizure?

Within the past 12 months, was your last blood pressure reading higher than 175 systolic or higher than 100 diastolic?

Lookback periods summary

Condition	Lookback	Level eligible if…
Cancer (internal, melanoma, Hodgkin’s)	36 months (Q5C)	36+ months since diagnosis/treatment
Leukemia, lymphoma, multiple myeloma	Ever (Q3B)	Not eligible — lifetime decline
A-fib, cardiomyopathy, blood disorders	36 months (Q5B)	36+ months since diagnosis/treatment
Heart attack, artery blockage, heart valve	12 months (Q9)	12+ months since diagnosis/treatment/surgery
TIA, stroke, enlarged heart, PVD	24 months (Q6A)	24+ months since diagnosis/treatment
CHF, unoperated aneurysm, defibrillator	Ever (Q3A)	Not eligible — lifetime decline
COPD / lung (nebulizer, oxygen, 3+ meds)	24 months (Q6D)	24+ months since treatment
Lung disorder + current tobacco use	24 months (Q6E)	24+ months since lung dx AND quit tobacco
Diabetes — insulin use	Ever (Q4A)	Not eligible — lifetime decline
Diabetes — complications	Ever (Q4B, Q4C)	Not eligible — lifetime decline
Diabetes — med change for uncontrolled sugar	12 months (Q4D)	12+ months since medication change
Hepatitis, pancreas disorder	36 months (Q5D)	36+ months since diagnosis/treatment
Alcoholism, drug abuse	36 months (Q5A)	36+ months since treatment
Systemic lupus, connective tissue	24 months (Q6B)	24+ months since diagnosis/treatment
Pacemaker implanted	12 months (Q11A)	12+ months since implant
Seizure	12 months (Q11D)	12+ months since diagnosis
Blood pressure >175/100	12 months (Q12)	12+ months since that reading
Pending tests / unperformed surgery	12 months (Q7)	Tests completed, results received
AIDS / HIV / ARC	Ever (Q8)	Not eligible — lifetime decline
Alzheimer’s, dementia, Parkinson’s, ALS, MS, MD	Ever (Q3C)	Not eligible — lifetime decline
Chronic kidney disease, dialysis, kidney failure	Ever (Q3D)	Not eligible — lifetime decline
Organ/bone marrow/stem cell transplant	Ever (Q3E)	Not eligible — lifetime decline

Conditions approved for Level Benefit (can answer “no” to all questions)

Type 2 diabetes — pills only, no insulin, no complications, no heart attack/stroke history, medication stable for 12+ months
High blood pressure — controlled, last reading ≤175 systolic and ≤100 diastolic
High cholesterol — controlled with medication
Depression, anxiety — stable
Heart attack, artery blockage, heart valve disorder — 12+ months ago
TIA, stroke — 24+ months ago
Internal cancer, melanoma, Hodgkin’s — 36+ months ago (not leukemia, lymphoma, or multiple myeloma — those are lifetime declines)
Atrial fibrillation — 36+ months ago
Hepatitis — 36+ months ago
COPD / lung conditions — 24+ months since needing nebulizer, oxygen, or 3+ medications; must not currently use tobacco with active lung condition
Pacemaker — 12+ months since implant
Seizure — 12+ months since diagnosis
Sleep apnea — not triggered by any question (CPAP is not oxygen/nebulizer)
Arthritis — unless it restricts mobility or activities of daily living within 24 months
Basal cell / squamous cell skin cancer — not included in the cancer questions (Q5C asks about “internal cancer, melanoma, Hodgkin’s” only)

Underwriting guidelines and health questions may vary by state. The Rx/medication history check and MIB records may reveal conditions not disclosed on the application, which can change the eligibility decision. Call us to discuss your specific health situation before applying.

State availability ▼

Available

ALAZARCODEFLGAIDILINIAKSKYLAMIMNMSMOMTNENVNHNJNMNCNDOHOKORPARISCSDTNTXUTVAWVWIWY

Not available (11 states + DC)

AK CA CT DC HI MA MD ME NY VT WA

The Accendo (ACC) product has a different state availability footprint. Plan features, provisions, and riders may vary by state. Application mails to P.O. Box 14399, Lexington, KY 40512.

Financial strength & trust signals ▼

A.M. Best rating	A (Excellent) — applies to both CLI and its sister company ACI
BBB rating	A+ (Aetna parent entity)
NAIC complaint index	0.97 — below the national average of 1.0 (fewer complaints than expected for its market share)
Year founded	1983 (40+ years)
Headquarters	Brentwood, Tennessee (Nashville metro area)
Parent company	Aetna Inc. → CVS Health Corporation (acquired 2018)
CEO	Ty Wooldridge, President/CEO of Continental Life
Sister company	American Continental Insurance Company (ACI) — same parent, also writes Aetna final expense under the Accendo brand
Licensed agents	30,000+ nationwide (across all Aetna SSI products)
Customer service	1-800-264-4000
Website	aetnaseniorproducts.com

CLI Protection Series vs. Accendo — key differences ▼

Aetna issues final expense through two separate entities with meaningfully different products. This table clarifies the distinction so consumers (and agents) don’t conflate them.

Feature	CLI Protection Series	Accendo CVS Health
Underwriter	Continental Life of Brentwood, TN	Accendo Insurance Company
Branding on policy	Aetna Protection Series℠	CVS Health (CVS logo on application)
Plan types available	Level only	Level + Modified
Issue ages (Level)	45–89	40–89
Issue ages (Modified)	N/A — not offered	40–75
Max coverage (age 45–55)	$50,000	$50,000
Min coverage	$2,000	$2,000
Build chart	No	No
Accelerated Death Benefit	Yes	Yes — up to 50% for terminal illness
Children’s Term rider	Yes	Yes
Accidental Death rider	Yes (ages 40–70)	Yes (ages 40–70)
Modified benefit payout	N/A	Years 1–2: 110% of premiums paid (natural cause) · Year 3+: full benefit
Medigap discount	Yes — Super Preferred rate	Yes — Super Preferred rate
Health questions	Different set from ACC	Different set from CLI
Insulin-dependent diabetes	Decline	Varies by ACC questions
Cancer lookback	36 months	Varies by ACC questions
States excluded	AK, CA, CT, DC, HI, MA, MD, ME, NY, VT, WA	Different list — verify

The CLI and ACC products are not interchangeable. An applicant declined on the Protection Series (CLI) may still qualify for the Accendo (ACC) Modified plan, and vice versa. The health questions on each application are different, so eligibility outcomes can vary between the two products for the same applicant.

How to apply ▼

Application method: Through licensed agent only — not sold direct to consumer
Application form: ICC20-CLIFE06194 (Individual Whole Life Insurance)
POS interview: Mandatory — recorded phone interview to verify health questions and authorize Rx/medication history check
Approval speed: Most straightforward cases approved same day during POS call. Complex cases may take several business days to 2 weeks.
App valid for: Application must be received at home office within 15 days of signature
Buy direct?: No — must go through a licensed, contracted insurance agent
Payment methods: EFT (Electronic Funds Transfer) or check/money order · Monthly mode requires EFT only
Payment modes: Monthly (EFT only), Quarterly, Semi-annually, or Annually
Mail application to: P.O. Box 14399, Lexington, KY 40512
Phone (customer svc): 1-800-264-4000
Email (new business): AETSSIFinalExpense@aetna.com
Website: aetnaseniorproducts.com
30-day free look: Yes — full right to cancel with 100% premium refund within 30 days of policy delivery
Default non-forfeiture: Extended Term Insurance (if no option selected on application)
Policy exclusion: Suicide within 2 years of issue — premiums refunded

→ Go to Aetna company page

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Aflac

Underwritten by Tier One Insurance Company · Columbus, GA · Est. 1955

Policy snapshot

Product name	Aflac Final Expense Whole Life Insurance
Policy type	Simplified issue whole life — three benefit tiers: Preferred Level, Standard Level, and Modified
Coverage range	Level plans: $2,000 – $50,000 · Modified plan: $2,000 – $25,000 (varies by state/age)
Issue ages	Level: 45 – 80 · Modified: 45 – 75 (varies by state)
Waiting period	Preferred & Standard Level: None — full day-one coverage · Modified: return-of-premium death benefit for first 2 years (non-accidental death); full benefit for accidental death from day one
Medical exam	Not required
Health questions	Yes — three-part application (Part A, Part B, Part C) + electronic prescription history check (Drug Information List) + MIB authorization
Premiums locked	Yes — guaranteed level, never increase
Cash value	Yes
Build chart	No build chart referenced — no height/weight limits found in underwriting guide or application
Tobacco distinction	Yes — 12-month lookback · includes vaping and e-cigarettes
MIB check	Yes — MIB authorization included in application
Accelerated death benefit	Included free on policies with $5,000+ face value · terminal illness (life expectancy under 12 months) · lump-sum payout of up to 50% of face value (min $1,000 / max $15,000) · up to $200 admin fee deducted · not available on Modified plan
Accidental death rider	Available for additional cost · Not available on Modified plan
Other riders	Child/Grandchild Term Rider — $2,500 to $10,000 per child in $2,500 increments · Issue ages 30 days–17 · Converts to whole life at ages 22–25 · Same amount for all covered children · Cannot exceed base policy face amount · Not available on Modified plan
Nonforfeiture options	Automatic premium loan · Paid-up insurance · Extended term insurance (default if no selection made)
Non-tobacco qualification	No tobacco use in last 12 months — includes cigarettes, vaping, e-cigarettes, and all tobacco products
Conditional receipt	Yes — coverage can bind on application date if first full premium is submitted, all representations are true, and applicant is acceptable as applied for. Max $25,000 pre-delivery. No rider benefits prior to delivery.
Underwriting admin	Administered by Aetna Life Insurance Company
A.M. Best rating	A+ (Superior) — Aflac Incorporated group · Tier One cited at A- (Excellent) on some agent resources

Pros & cons

Pros

Three-tier underwriting (Preferred / Standard / Modified) gives more applicants a path to immediate, full-benefit coverage compared to carriers that only offer Level or Graded with no in-between
Backed by Aflac Incorporated — Fortune 500, A+ AM Best, A+ BBB — massive brand recognition and financial stability that seniors trust on sight
Accepts many chronic conditions at Standard Level for immediate coverage: COPD, Parkinson’s, MS, lupus, and well-managed diabetes without complications
COPD qualifies for Standard Level (immediate full coverage) — a meaningful advantage over carriers like Mutual of Omaha where COPD is a lifetime graded trigger
Accelerated Death Benefit rider included at no extra cost on policies $5,000+ — up to 50% of face value for terminal illness
Tobacco/non-tobacco rate distinction with a 12-month lookback — non-tobacco applicants get lower premiums
Conditional receipt available — coverage can bind on application date before policy delivery (up to $25,000), giving immediate peace of mind
Child/Grandchild Term Rider available — converts to whole life at age 22–25, providing a multi-generational planning option uncommon in final expense
Accepts credit card for initial premium payment — more flexible than carriers requiring bank draft only

Cons

No guaranteed issue option — applicants who can’t pass health questions have no fallback product with Aflac and must look elsewhere
Not available in New York, and state availability is still limited/expanding — not yet sold in all 50 states
Must apply through a licensed agent by phone — no online self-service quoting or purchasing available
Premiums can run higher than competitors — brand premium means it’s not always the cheapest for healthy applicants who’d get better rates elsewhere
Congestive heart failure is an automatic decline at any time — stricter than some competitors who offer graded/modified coverage for CHF
No riders available on Modified plan — accelerated death benefit, accidental death, and child rider are all excluded from Modified policies
Accelerated death benefit capped at $15,000 max payout regardless of face amount, and a $200 admin fee is deducted — less generous than some competitors
Prescription Drug Information List can trigger downgrades or declines for medications with multiple uses, even if prescribed for an acceptable condition — requires extra documentation to resolve
Relatively new final expense product (launched ~2021–2022) — less long-term track record in this specific market than established FE carriers

Palmetto Mutual’s assessment

Our assessment

Aflac’s three-tier underwriting system is one of the more flexible we see in the final expense market — instead of a binary Level-or-Graded decision, the Preferred/Standard/Modified structure gives more applicants a realistic path to immediate, full-benefit coverage. Where Aflac really stands out is COPD: applicants with chronic bronchitis, emphysema, or other chronic respiratory conditions qualify for Standard Level with full day-one benefits, which is a significant advantage over carriers like Mutual of Omaha where COPD triggers a lifetime graded question with no lookback. The application and signature process is also one of the easiest in the industry — on par with Accendo and Aetna — making it a fast, friction-free write when it fits. The Aflac name carries instant trust with seniors who’ve seen the brand for decades, which matters at the kitchen table. Where we look to other carriers: Aflac’s premiums tend to run higher than competitors like Mutual of Omaha or Aetna for healthy applicants, congestive heart failure is a flat decline with no modified option, and state availability is still limited as Tier One continues its rollout. We recommend Aflac most often for clients with COPD or chronic respiratory conditions who need immediate coverage, and for situations where the brand recognition helps close an otherwise hesitant applicant.

Sample rates ▼

Monthly rates shown below are Preferred Level (best available rate class) based on Aflac’s current rate schedules and include all applicable policy fees.

Preferred Level — non-tobacco male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$33.50	$48.16	$77.46
55	$38.26	$55.30	$89.36
60	$45.16	$65.64	$106.60
65	$55.81	$81.61	$133.22
70	$71.98	$105.87	$173.64
75	$99.94	$147.81	$243.56
80	$155.95	$231.83	$383.58

Preferred Level — non-tobacco female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$26.98	$38.36	$61.14
55	$29.45	$42.08	$67.33
60	$34.65	$49.88	$80.33
65	$43.99	$63.88	$103.67
70	$55.97	$81.86	$133.63
75	$81.94	$120.82	$198.56
80	$115.96	$171.83	$283.59

Preferred Level — tobacco male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$45.95	$66.82	$108.57
55	$55.95	$81.82	$133.57
60	$65.95	$96.82	$158.57
65	$87.45	$129.07	$212.32
70	$108.96	$161.33	$266.09
75	$160.95	$239.32	$396.07
80	$212.95	$317.32	$526.07

Preferred Level — tobacco female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$37.95	$54.82	$88.57
55	$44.95	$65.32	$106.07
60	$51.95	$75.82	$123.57
65	$63.95	$93.83	$153.58
70	$75.95	$111.83	$183.58
75	$115.96	$171.83	$283.59
80	$155.95	$231.83	$383.58

Maximum coverage by age

Issue age	Max coverage
45–55	$50,000
56–65	$40,000
66–75	$30,000
76–80	$25,000

Rates are subject to change without notice and may vary by state. Accidental death rider and child rider premiums are additional. Not all coverage amounts are available at all ages. Call us for an exact, personalized quote based on your age, health, and coverage needs.

Underwriting & health conditions ▼

Aflac uses a three-part simplified health application (Part A, Part B, Part C) plus an electronic prescription history check (“Drug Information List”) and MIB authorization. No medical exam. Four possible outcomes: Preferred Level (“No” to all conditions — best rates, full day-one coverage), Standard Level (“Yes” to a Part C condition — full day-one coverage at standard rates), Modified (“Yes” to a Part B condition — return-of-premium death benefit for first 2 years for non-accidental death), or Decline (“Yes” to a Part A condition — no coverage).

Part A — Decline triggers (any “yes” = not eligible, do not submit application)

Currently confined in or advised to enter a hospital, nursing home, skilled nursing facility, psychiatric facility, or correctional facility
Currently receiving or advised to receive home health care or hospice care
Requires long-term wheelchair or mobility scooter use, or any physical/mental impairment requiring ADL assistance (medications, bathing, dressing, eating, toileting, transfers)
Within past 1 year: used or advised to use oxygen to assist breathing (excluding CPAP for sleep apnea), or had/advised to have kidney dialysis
Within past 1 year: advised to have any medical procedure, surgery, or diagnostic test not yet started, completed, or results unknown (excluding routine screenings and HIV tests)
Ever: received or advised to receive organ or bone marrow transplant, or amputation due to any disease or complications of diabetes
Ever: diagnosed or tested positive for HIV or AIDS
Ever: ALS/Lou Gehrig’s disease, Huntington’s disease, or sickle cell anemia
Ever: Alzheimer’s disease, dementia, or mental incapacity
Ever: congestive heart failure, pulmonary fibrosis, any terminal condition or end-stage disease
Ever: cerebral palsy, cystic fibrosis, muscular dystrophy, or un-operated heart defects
Within past 2 years: diagnosed with, received or advised to receive chemotherapy or radiation for any cancer (excluding basal/squamous cell skin cancer)
Ever: diagnosed with more than one occurrence of the same or different type of cancer (excluding basal/squamous cell skin cancer)

Part B — Modified plan triggers (any “yes” = Modified benefit, 2-year graded)

Within past 2 years: alcohol or drug abuse (prescribed or illegal), used illegal drugs, or convicted/pled guilty to DUI
Within past 2 years: complications of diabetes — diabetic coma, insulin shock, retinopathy, nephropathy, or neuropathy
Within past 2 years: kidney or liver disease
Within past 1 year: angina, heart attack, cardiomyopathy, or any type of heart or circulatory procedure/surgery
Within past 1 year: stroke, TIA/mini-stroke, aneurysm, or brain tumor

Part C — Standard Level triggers (any “yes” = Standard, immediate full coverage)

Within past 2 years: angina, heart attack, cardiomyopathy, or any type of heart or circulatory procedure/surgery
Within past 2 years: stroke, TIA/mini-stroke, aneurysm, or brain tumor
Ever: Parkinson’s disease, multiple sclerosis, or systemic lupus (SLE)
Ever: COPD, chronic bronchitis, emphysema, or any other chronic respiratory condition

All “No” to Part C = Preferred Level — best available rates with full day-one coverage.

How the three-part system works together

Application result	Benefit level	What it means
“Yes” to any Part A question	Decline	Not eligible — do not submit application
“Yes” to any Part B question	Modified	Return-of-premium death benefit for first 2 years (non-accidental); full accidental death benefit from day one. No riders available.
“Yes” to any Part C question	Standard Level	Full day-one coverage at standard rates. All riders available.
“No” to all Part A, B, and C	Preferred Level	Full day-one coverage at best rates. All riders available.

Lookback periods by condition

Condition	Preferred	Standard	Modified
Heart attack / Angina / Cardiomyopathy / Circulatory surgery	2+ years	1–2 years	Within 1 year
Stroke / TIA / Aneurysm / Brain tumor	2+ years	1–2 years	Within 1 year
Cancer (single occurrence, excl. basal/squamous skin)	2+ yrs no chemo/rad	—	— (decline if within 2 yrs)
COPD / emphysema / chronic bronchitis / chronic respiratory	—	Ever (no O₂ past yr)	—
Parkinson’s / MS / Lupus (SLE)	—	Ever	—
Kidney or liver disease	—	—	Within 2 yrs (no dialysis past yr)
Diabetes complications (coma, shock, retinopathy, nephropathy, neuropathy)	—	—	Within 2 years
Alcohol / drug abuse / DUI	2+ years	—	Within 2 years

Important note on prescription history: In addition to the application questions, Aflac runs an electronic prescription history check (“Drug Information List”). Certain medications can trigger a downgrade or decline regardless of how application questions are answered. If a medication has multiple uses, the applicant may provide the diagnosis to potentially resolve the flag. Questions answered incorrectly (“No” when the answer should have been “Yes”) will also result in a downgrade or decline upon discovery.

Application health questions are based on the ICC21-AFLFE07390 generic state application. In states where timeframes differ from the generic application, the state-specific timeframes override. Underwriting guidelines sourced from August 2022 excerpts (Version 0822) and the current application form — guidelines are subject to change by Aetna at any time. Call us to discuss your specific health situation.

State availability ▼

Not available

Coverage or plan levels may not be available

DE — varies by plan ID — varies by plan NJ — may not be available NM — may not be available VA — varies by plan VT — may not be available

States with confirmed state-filed policy forms

AR DE ID OK OR PA TX VA

Aflac’s Final Expense product is underwritten by Tier One Insurance Company and is still expanding to additional states. The “may not be available” states listed above come from Aflac’s own disclosures using the language “including but not limited to” — meaning there may be additional states where coverage is not yet offered. In California, Tier One conducts business as Tier One Life Insurance Company. Benefits, premium rates, and plan levels may vary by state. Confirm availability through your contracting or quoting system before presenting to clients.

Financial strength & trust signals ▼

A.M. Best rating	A+ (Superior) — Aflac Inc. group entities (American Family Life Assurance Co. of Columbus, Continental American Insurance Co.). Tier One Insurance Company cited at A- (Excellent) on some agent resources — confirm current rating for Tier One specifically.
S&P Global rating	Available for Aflac Inc. parent — check investors.aflac.com/ratings
Moody’s rating	Available for Aflac Inc. parent — check investors.aflac.com/ratings
BBB rating	A+ — accredited since 1958
Year founded	1955 (70+ years) — founded by John, Paul, and Bill Amos
Headquarters	Aflac Building, 1932 Wynnton Road, Columbus, GA 31999
Administrative office	1021 Reams Fleming Blvd, Franklin, TN 37064
Organization type	Publicly traded — NYSE: AFL
Underwriting entity	Tier One Insurance Company — subsidiary of Aflac Incorporated. In CA, does business as Tier One Life Insurance Company.
Policy administration	Administered by Aetna Life Insurance Company
Policyholders	50+ million worldwide
Fortune 500	Yes
Notable recognition	Named to Fortune’s “World’s Most Admired Companies” list 12+ times. One of the most recognized insurance brands in the United States.

How to apply ▼

Application method: Through licensed agent only — e-app (electronic) or paper application
E-app available: Yes — agent-facilitated electronic application with signature via authorization code
Phone (apply): 833-504-0336 (Tier One direct) or 855-782-5850 (Aflac general)
Approval speed: Typically under 5 minutes for clean applications — may take longer if prescription history check flags conditions requiring additional documentation
Buy direct?: No — must go through a licensed agent. No online self-service quoting or purchasing.
Initial premium: EFT (electronic funds transfer) · Check or money order · Credit card — all checks payable to Aflac, never to the agent
Payment modes: Annual · Semi-annual · Quarterly · Monthly EFT — mode selection may affect total premium cost
EFT draft timing: Specific day of month or 2nd/3rd/4th Wednesday of month — applicant’s choice
Initial draft options: Draft upon policy approval or draft on policy effective date
Conditional receipt: Yes — if first full premium submitted with application, coverage can bind on application date (max $25,000 pre-delivery, no rider benefits until delivery)
Policy delivery: Mail to applicant or agent (applicant’s choice)
Electronic delivery: Available — applicant can consent to receive policy and documents electronically; paper copy available on request at any time
Effective date: Application signature date (default if application received at admin office within 15 days), or requested effective date
Policy exclusion: Suicide within first 2 years of policy issue (varies by state) — premiums refunded
Downgrade option: If not approved as applied for, applicant can check box to accept any available plan — choose to adjust face amount to match premium, or keep same face amount and adjust premium
Non-English speakers: Outside interpreter firms permitted for telephone interview. Family member or agent may assist hearing-impaired applicants.
Unable to speak: 3 years of medical records required for applicants unable to speak due to physical impairment or hearing impairment
Combined limits: Conditional receipt coverage (all in-force + applied-for) cannot exceed $25,000 prior to policy delivery
Replacement: Application asks about existing life insurance/annuities in force and whether this policy will replace, reduce, or modify existing coverage — notice of replacement sent to prior carrier if applicable

→ Go to Aflac company page

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Transamerica

Transamerica Life Insurance Company · Cedar Rapids, IA · Est. 1904

Policy snapshot

Product name	Live Smart Final Expense Solutions Portfolio — Immediate Solution, 10-Pay Solution, Easy Solution · Also available: FE Express Solution (see below)
Policy type	Whole life — three products: Immediate Solution (simplified issue, full day-one benefit), 10-Pay Solution (simplified issue, paid up in 10 years), Easy Solution (graded benefit for harder-to-insure applicants)
Coverage range	$1,000 – $50,000 (max decreases by age: $50K ages 0–55, $40K ages 56–65, $30K ages 66–75, $25K ages 76–85) · Easy Solution: $1,000 – $25,000
Issue ages	Immediate & 10-Pay: 0 – 85 · Easy Solution: 18 – 80
Waiting period	Immediate & 10-Pay: None — full death benefit from day one · Easy Solution: 2-year graded — pays 110% of premiums paid for non-accidental death in first two years; full accidental death benefit from day one; full benefit after year two
Medical exam	Not required
Health questions	Yes — short, simplified health and lifestyle questions plus electronic medical data pulled automatically from healthcare providers via Transamerica-approved vendors (no traditional medical records)
Premiums locked	Yes — guaranteed level, never increase
Cash value	Yes — policy loan rate variable, not to exceed 8%
Build chart	Yes — BMI-based: Preferred up to BMI 40, Standard up to BMI 45, Graded up to BMI 48. Exceeding BMI 48 max weight = decline.
Tobacco distinction	Yes — 12-month lookback · includes cigarettes, e-cigarettes/vapes, chewing tobacco, pipe, cigar, nicotine gum/patch
Activity Credit	Unique to Transamerica Exercising 3+ days/week for 10+ consecutive minutes (walking, gardening, gym, etc.) can improve rating class — Standard to Preferred or Graded to Standard
Accelerated death benefit	Included free on Immediate & 10-Pay Solutions · Nursing Home Benefit version in most states (not CA or FL) · Florida-only ADBR (terminal illness within 12 months) · California-only Terminal Illness rider · Not available on Easy Solution
Accidental death rider	Available for additional cost on Immediate Solution only · issue ages 18–70 · pays additional amount equal to face amount for accidental death · Not available on 10-Pay or Easy Solution
Other riders	Children’s & Grandchildren’s Benefit Rider (Immediate Solution only) — $2.00/year per unit per child · up to 9 children/grandchildren · max $5,000 per child · term coverage to age 25 with conversion option · Not available on 10-Pay or Easy Solution
A.M. Best rating	A (Excellent) — Stable Outlook · Aegon USA Group

⚡ Also Available: Transamerica FE Express Solution

Launched in 2024, the FE Express is a fully digital product — separate from the traditional Live Smart portfolio above — that delivers 100% instant underwriting decisions at point of sale in as fast as 10 minutes. No application is ever referred to an underwriter.

Why it matters: FE Express accepts conditions for immediate, full day-one coverage that most carriers either grade or decline — including congestive heart failure (without defibrillator), diabetic neuropathy with insulin use, oxygen use, kidney disease/dialysis, liver disease, stroke, MS, COPD, and wheelchair/scooter use. It also includes the Concierge Planning Rider with Everest funeral planning services (will prep, funeral home price comparison, secure document storage) at no additional cost.

FE Express coverage up to $50,000 (ages 18–75) or $25,000 (ages 76–85). Graded FE Express available for higher-risk applicants (max $25,000). Not available in New York. See our full Transamerica review for complete FE Express underwriting details, rates, and side-by-side comparison with the traditional portfolio.

Pros & cons

Pros

Among the cheapest Preferred rates in the final expense market — for healthy applicants who qualify for Preferred Nontobacco, Transamerica consistently comes in at or near the lowest premiums available
Activity Credit is unique in the market — clients who walk the dog, garden, or exercise 3+ days a week for 10+ minutes can earn a better rate class, potentially saving hundreds per year. No other carrier offers this.
FE Express accepts congestive heart failure (without defibrillator) and diabetic neuropathy with insulin use for immediate, full day-one coverage — conditions most competitors either grade or flat-out decline
Extremely lenient underwriting for common conditions on the traditional portfolio — heart disease, depression, bipolar, schizophrenia, seizures, Crohn’s, rheumatoid arthritis, and marijuana use all qualify for Preferred (best rate class)
Real-time underwriting decisions via iGO e-App (traditional) or fully digital FE Express platform — many clients approved within minutes of submission
Three product tiers on the traditional portfolio plus FE Express give you maximum flexibility to match clients to the right product based on health profile
10-Pay Solution available — for clients who want premiums done in 10 years so the policy is fully paid up during retirement
Issue ages start at 0 on the traditional portfolio — one of the few final expense carriers covering juveniles, plus the Children’s & Grandchildren’s Benefit Rider adds multi-generational coverage
Available in all 50 states plus Washington D.C. — broader availability than many competitors
Strong financial backing — 120+ years in business, A.M. Best A (Excellent), S&P A+, Moody’s A1, backed by Aegon Ltd.

Cons

Not the best carrier for diabetics — diabetes (Type 1 and Type 2) is rated Standard on the traditional portfolio, not Preferred. Clients whose primary condition is diabetes will often get better rates at Aetna or Aflac.
No guaranteed issue product — unlike carriers such as Gerber Life or CICA, Transamerica can and does decline applicants. If a client has multiple conditions or a decline-level condition, there’s no safety net within Transamerica’s lineup.
Coverage maximums decrease with age on the traditional portfolio — max drops from $50K (ages 0–55) to $40K (56–65) to $30K (66–75) to $25K (76–85). Competitors like Mutual of Omaha offer a flat $50K to age 85.
Four or more medical conditions rated Standard or Graded triggers automatic decline — stricter stacking rule than some competitors
Accidental Death and Children’s/Grandchildren’s Riders only available on Immediate Solution — 10-Pay, Easy Solution, and FE Express clients lose access to these riders
E-App not available in New York on the traditional portfolio — NY clients must use paper applications. FE Express is not available in NY at all.
Customer satisfaction has historically ranked below industry average in third-party surveys — worth noting even though it primarily reflects their larger IUL and term book rather than final expense specifically

Palmetto Mutual’s assessment

Our assessment

Transamerica offers some of the cheapest Preferred Nontobacco rates in the final expense market, combined with an Activity Credit that no other carrier matches — applicants who exercise regularly can earn a better rate class and save real money. The FE Express product is a standout for congestive heart failure (without defibrillator) and diabetic neuropathy with insulin use, offering immediate full day-one coverage where most competitors either grade or decline. Where Transamerica is less competitive: diabetes is rated Standard rather than Preferred, so applicants whose primary condition is diabetes will typically find better pricing elsewhere. We recommend Transamerica most often for healthy applicants seeking the lowest available premium, for clients with CHF or neuropathy who need immediate coverage, and for applicants who benefit from the Activity Credit upgrade.

Sample rates ▼

Monthly rates shown below are Immediate Solution — Preferred (best available rate class) based on Transamerica’s current rate schedules and include all applicable policy fees. Standard and Easy Solution (graded) rates are higher.

Preferred — non-tobacco male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$30.55	$44.01	$70.95
55	$35.76	$51.83	$83.98
60	$43.49	$63.43	$103.31
65	$53.97	$79.15	$129.52
70	$69.78	$102.86	$169.03
75	$97.30	$144.14	$237.83
80	$136.34	$202.71	$335.44

Preferred — non-tobacco female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$24.23	$34.55	$55.17
55	$27.60	$39.59	$63.58
60	$32.71	$47.25	$76.35
65	$40.77	$59.35	$96.51
70	$52.88	$77.52	$126.79
75	$70.94	$104.61	$171.94
80	$101.27	$150.09	$247.74

Preferred — tobacco male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$42.25	$61.57	$100.21
55	$51.33	$75.19	$122.92
60	$64.11	$94.36	$154.86
65	$85.89	$127.03	$209.30
70	$116.07	$172.29	$284.75
75	$156.08	$232.32	$384.79
80	$217.76	$324.83	$538.98

Preferred — tobacco female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$34.37	$49.76	$80.52
55	$41.30	$60.14	$97.83
60	$48.13	$70.38	$114.90
65	$60.38	$88.76	$145.53
70	$79.43	$117.34	$193.16
75	$106.65	$158.17	$261.20
80	$155.79	$231.88	$384.05

Maximum coverage by age

Issue age	Immediate & 10-Pay max	FE Express max	Easy/Graded max
0–55	$50,000	$50,000	$25,000
56–65	$40,000	$50,000	$25,000
66–75	$30,000	$50,000	$25,000
76–80	$25,000	$25,000	$25,000
81–85	$25,000	$25,000	N/A

Rates shown are Immediate Solution Preferred class and include all applicable policy fees. Standard Nontobacco rates run approximately 15–20% higher. Easy Solution (graded) and FE Express rates differ — contact us for a personalized quote. Rates are subject to change without notice and may vary by state. Unisex-Male rates apply in Montana. Call us for an exact, personalized quote.

Underwriting & health conditions ▼

Transamerica uses a digitally-enabled underwriting process — short health and lifestyle questions on the application, combined with electronic medical data (diagnostic and prescription data pulled directly from healthcare providers via Transamerica-approved vendors). No medical exam, no traditional medical records. Four possible rate classes: Preferred (best rates, full day-one coverage), Standard (higher rates, full day-one coverage), Graded (Easy Solution — 2-year graded death benefit), or Decline.

🏃 Activity Credit — Unique to Transamerica: If the applicant exercises 3+ days per week for at least 10 consecutive minutes — including walking the dog, gardening, mowing the yard, jogging, gym, etc. — they may qualify for a better rating. In certain scenarios, this can upgrade a Standard rating to Preferred, or make the difference between a Graded product and Immediate Solution with full day-one coverage. No other final expense carrier offers this.

Coverage eligibility — automatic decline triggers (do not submit application)

Alzheimer’s disease, dementia, organic brain syndrome, cognitive impairment, memory loss, or mental incapacity
ALS (Lou Gehrig’s disease) or other motor neuron disease
Amputation (other than due to accident/trauma)
Metastatic, recurrent cancer, multiple cancers, or cancer (any type other than basal cell skin) within last 2 years
Cerebral palsy, Down syndrome, cystic fibrosis
Pulmonary fibrosis, sickle cell anemia
Currently bedridden, in nursing home, assisted/long-term care facility, or receiving hospice/palliative/home health care
Bone marrow, stem cell, or organ transplant recipient
Terminal illness (death expected within 18 months)
AIDS/HIV positive
Diabetic coma
Pending surgery requiring general anesthesia
Current incarceration or employment in cannabis industry

Conditions rated Preferred (best rate class — full day-one coverage)

Heart disease (general), aneurysm, blood clots (resolved), circulatory disorder
Depression, bipolar, schizophrenia, PTSD
Seizures/epilepsy, Crohn’s disease, ulcerative colitis
Rheumatoid arthritis, chronic pain, lupus (SLE)
Mild asthma (no daily symptoms, no limitations, no ER visits in 5 years)
Marijuana use, wheelchair use (if no ADL assistance needed)
Blood disorders (polycythemia, thrombocytopenia, hemophilia)
Alcohol/drug abuse — 10+ years ago · Sleep apnea — CPAP without supplemental oxygen

Conditions rated Standard (higher rates — still full day-one coverage)

Diabetes Type 1 and Type 2 (note: diabetes is Standard, not Preferred — not the best carrier for diabetics)
COPD, emphysema, chronic bronchitis (with Activity Credit → Preferred)
Congestive heart failure (with Activity Credit → can qualify for Immediate Solution at Standard)
Stroke/TIA (with Activity Credit → Preferred)
Kidney disease/failure, liver disease (excluding fatty liver), cirrhosis, dialysis
Cancer — cancer-free, no treatment within last 2 years
Hospitalization within last 12 months (with Activity Credit → Preferred)
Sleep apnea — CPAP with supplemental oxygen
Alcohol/drug abuse — 4–10 years ago · DUI/reckless driving — 2–5 years ago

Conditions rated Graded (Easy Solution — 2-year waiting period)

Anemia (under treatment in last 3 months, with Activity Credit → Standard)
Alcohol/drug abuse — 2–4 years ago · Felony — 3–5 years ago
Two Standard-rated medical conditions combined
Height/weight in Graded BMI range (45–48) with all other factors Preferred

⚡ FE Express — Additional conditions accepted for immediate coverage: The FE Express product accepts conditions that the traditional portfolio may grade or handle differently — including congestive heart failure (without defibrillator), diabetic neuropathy with insulin use, oxygen use, kidney disease/dialysis, liver disease, stroke, MS, COPD, and wheelchair/scooter use — all for immediate, full day-one coverage. See our full Transamerica review for the complete FE Express underwriting chart.

How the rating system works (traditional portfolio)

Scenario	Rating	Product
All conditions, lifestyle factors, and build are Preferred	Preferred	Immediate Solution
One Standard medical condition + Preferred build + Preferred/Standard lifestyle	Standard	Immediate Solution
One Graded condition OR two Standard conditions OR Graded build	Graded	Easy Solution
One Decline condition OR Decline build (BMI 48+) OR 4+ Standard/Graded conditions	Decline	No coverage

Key lookback periods

Condition	Preferred	Standard	Graded	Decline
Cancer (non-basal cell)	—	2+ yrs cancer-free	—	Within 2 yrs / metastatic / recurrent
Alcohol/drug abuse	10+ years	4–10 years	2–4 years	Within 2 years
DUI/reckless driving	5+ years	2–5 years	—	Within 2 yrs or multiple in 5 yrs
Felony	10+ years	5–10 years	3–5 years	Within 3 yrs or multiple in 10 yrs
Stroke/TIA	w/ Activity Credit	Default	—	—
COPD/emphysema	w/ Activity Credit	Default	—	—
Hospitalization (overnight)	w/ Activity Credit	Within 12 months	—	Currently hospitalized

Height & weight limits (BMI-based)

Height	Min weight	Preferred max (BMI <40)	Standard max (BMI <45)	Graded max (BMI <48)
5’0″	95 lbs	204 lbs	230 lbs	245 lbs
5’4″	108 lbs	233 lbs	262 lbs	279 lbs
5’8″	122 lbs	263 lbs	295 lbs	315 lbs
6’0″	137 lbs	294 lbs	331 lbs	353 lbs
6’4″	152 lbs	328 lbs	369 lbs	394 lbs

Exceeding the Graded max weight = decline. Full height/weight chart covers 4’5″ through 7’0″. Minimum BMI must be greater than 18.5 for Preferred and Standard eligibility.

Underwriting guidelines are subject to change without notice. The underwriter’s decision may differ from these guidelines based on electronic medical data received. Call us to discuss your specific health situation.

State availability ▼

Available in

All 50 states + Washington, D.C. (traditional portfolio). FE Express available in all states except NY, GU, PR, VI.

State-specific variations

NY — e-App NOT available (paper only); policies issued by Transamerica Financial Life Insurance Company (Harrison, NY); neither ADBR version available; FE Express NOT available

CA — Nursing Home Benefit rider NOT available; Terminal Illness Accelerated Death Benefit Rider available instead

FL — Nursing Home Benefit rider NOT available; Florida-only ADBR (terminal illness within 12 months) available instead

MT — Unisex-Male rates apply

AK, MI, OR, VA — FE Express Concierge Planning Rider not available

Policies issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499 in all states except New York. In New York, policies issued by Transamerica Financial Life Insurance Company, Harrison, NY 10528. Product availability, riders, and rates may vary by state.

Financial strength & trust signals ▼

A.M. Best rating	A (Excellent) — Stable Outlook (Aegon USA Group)
S&P Global rating	A+
Moody’s rating	A1
BBB rating	A+ — not BBB accredited
Year founded	1904 (120+ years)
Headquarters	Cedar Rapids, IA (administrative office: 6400 C Street SW, Cedar Rapids, IA 52499)
Parent company	Aegon Ltd. — international financial services holding company, headquartered in The Hague, Netherlands. 10+ million customers worldwide.
Organization type	Subsidiary of publicly traded parent (Aegon N.V.)
Notable	One of the largest life insurance and retirement services providers in the U.S. Triple-rated by all three major rating agencies (A.M. Best, S&P, Moody’s).

How to apply ▼

Application method: Traditional portfolio: Through licensed agent — iGO e-App (iPipeline) or paper application · FE Express: All-digital platform — agent or direct, 100% instant decisions, text/email signature, electronic policy delivery
E-app available: Yes — traditional portfolio in all states except NY (paper only in NY). FE Express is fully digital in all available states.
Phone (agent support): 1-877-234-4848 (x1 New Business, x6 Sales Support)
Quick quote tool: transamerica.com/quote-fe — works on any device, no login required
Approval speed: Traditional: Real-time — decisions within minutes of e-App submission for most applicants · FE Express: 100% instant — every application gets a decision at point of sale, no referrals to underwriter
Buy direct?: Traditional portfolio requires a licensed agent. FE Express can also be initiated direct-to-consumer via Transamerica’s digital platform.
Initial premium: Bank draft (ACH/EFT) · Credit/debit card · Check · Social Security Direct Express
Payment modes: Traditional: Monthly · Quarterly · Semiannual · Annual · FE Express: Monthly or Annual only
Policy delivery: eDelivery available for both products. FE Express delivers policies electronically via customer portal.
Expedited claims: FE Express offers expedited claims — up to $25,000 of the death benefit can be paid to the beneficiary in as fast as 72 hours from receipt of required paperwork in good order
Free look period: 30 days for replacement transactions

→ Go to Transamerica company page

Back to companies ↑

American Amicable

American-Amicable Group of Companies · Waco, TX · Est. 1910

Policy snapshot

Product name	Senior Choice Whole Life Insurance
Policy type	Simplified issue whole life — three benefit tiers: Immediate Death Benefit (Policy Form 9767), Graded Death Benefit (Policy Form 9644), and Return of Premium (Policy Form 9645)
Coverage range	Immediate: $2,500–$50,000 (ages 50–75) / $2,500–$25,000 (ages 76–85) · Graded & ROP: $2,500–$25,000 (all ages) · Min $5,000 in Washington
Issue ages	50–85 (age last birthday)
Waiting period	Immediate: None — full day-one coverage · Graded: 30% year 1, 70% year 2, 100% year 3+ · ROP: Returns premiums + 10% interest for first 3 years (2 years if age 65+), then 100%. All plans pay 100% for accidental death from day one.
Medical exam	Not required
Health questions	Yes — 8 simplified yes/no questions determine plan eligibility + MIB check + prescription database check + build chart
Phone interview	Not required in most cases. Required when: (1) payor is other than insured/spouse/significant other/child (ages 50–70), or (2) applicant ages 71–85 not found in prescription database. Never required for ROP plan.
Premiums locked	Yes — guaranteed level, never increase · Premium paying period to age 110
Policy fee	$30 annually (commissionable)
Cash value	Yes
Build chart	Yes — liberal unisex build chart · Example: 5’10” qualifies for Immediate up to 307 lbs, Graded 308–321 lbs, ROP 322–335 lbs. Minimum weight applies (e.g. 126 lbs at 5’10”).
Tobacco distinction	Yes — 12-month lookback · excludes occasional pipe and cigar use · includes cigarettes, e-cigarettes, chewing tobacco, nicotine patches/gum, hookah, bidis
MIB check	Yes — MIB authorization included in application
Accelerated death benefit	Included free Terminal Illness Rider: Up to 100% of death benefit if life expectancy 12 months or less (24 months in some states). Reduced by actuarial adjustment factor + $150 admin charge. Available on all plans. Included free Confined Care Rider: Up to 5% of face amount per month during nursing home confinement (30+ days after policy issue). Immediate plan only. Not available in CA, CT, DC, FL, IL, IN, MA, NJ, OH, SD, VA, WA.
Accidental death rider	Available for additional cost · Issue ages 50–80 · Benefit equal to face amount · Terminates at age 100 · Not available on ROP plan
Other riders	Grandchild/Great-Grandchild Rider: $5,000–$10,000 per child (1–2 units) · Ages 180 days–15 · $12/yr per child per unit · Paid up at insured’s death · Available on all plans Children’s Insurance Agreement: $3,000–$6,000 term to age 25 or insured’s age 65 · Converts to whole life at up to 5× amount · Not on ROP Nursing Home Waiver of Premium: Waives premiums during qualified nursing home confinement after 90 consecutive days · Ages 50–85 · Immediate plan only
Nonforfeiture options	Automatic premium loan (APL) — elected on application
Conditional receipt	Yes — coverage effective on application date if first full premium submitted, bank draft/eCheck authorized, all underwriting requirements completed, and proposed insured is acceptable exactly as applied for. Max $150,000 (including all in-force + applied-for life insurance and ADB) prior to policy delivery. Expires at policy delivery or 60 days, whichever is earlier.
Plan acceptance option	Applicant can check box to accept whichever plan they qualify for — prevents amendments and go-back appointments if downgraded
Underwriting entity	American-Amicable Group: American Amicable Life Insurance Co. of TX (AA), iA American Life Insurance Co. (iA), Occidental Life Insurance Co. of NC (OL), Pioneer American Insurance Co. (PA), Pioneer Security Life Insurance Co. (PS)
A.M. Best rating	A (Excellent) — 3rd highest out of 15 categories

Pros & cons

Pros

Mobile e-app delivers instant point-of-sale underwriting decisions within seconds — among the fastest in final expense, dramatically reducing go-backs and missed-signature amendments
Very liberal unisex build chart — a 5’10” applicant can weigh up to 307 lbs and still qualify for Immediate (day-one) coverage, which is more generous than most competitors
Blood thinner advantage: Coumadin, Warfarin, and Plavix users prescribed for pulmonary embolism or thrombosis qualify for Immediate coverage — most competitors push these to graded
Competitive tobacco rates relative to other final expense carriers — smokers often get better pricing here than at carriers like Mutual of Omaha or Aetna
Extensive prescription reference guide (200+ medications) maps directly to plan eligibility — the e-app’s decision engine automatically generates reflexive questions when a medication has multiple uses, reducing manual field underwriting errors
Backed by iA Financial Group, one of Canada’s largest insurance and wealth management companies — strong financial backing behind a 115-year-old carrier
Two free living benefit riders included: Terminal Illness Accelerated Death Benefit (up to 100% of face value) and Confined Care (up to 5% of face amount per month during nursing home confinement) on Immediate plan
Premium drafts can be aligned with Social Security payment dates (1st, 3rd, 2nd/3rd/4th Wednesday) — a practical convenience for fixed-income seniors
Plan Acceptance checkbox allows the applicant to pre-authorize acceptance of whichever plan they qualify for, preventing delays from plan downgrades

Cons

No guaranteed issue option — applicants who answer “Yes” to knockout questions 1–3 are declined outright with no fallback product and must be placed elsewhere
Graded plan pays only 30% in year 1 and 70% in year 2, which is less generous than some competitors offering 40%/80% or higher graded structures
ROP plan is expensive relative to competitors’ graded products, and benefits during the graded period (premiums + 10% interest) are less valuable than a percentage-of-face-amount payout
Maximum face amount drops to $25,000 for ages 76–85 on the Immediate plan, and Graded/ROP are capped at $25,000 at all ages — lower ceiling than some competitors
COPD, emphysema, and chronic bronchitis within the past 2 years trigger Return of Premium (not Immediate) — and within 3 years trigger Graded. Some competitors like Aflac offer immediate full coverage for COPD at any time
Systemic lupus (SLE) within the past 2 years triggers Return of Premium — stricter than carriers like Aflac that accept lupus for Standard Level (immediate coverage) at any time
Phone interview may still be required for applicants ages 71–85 not found in the prescription database, adding a step to the process
Confined Care rider not available in 12 states (CA, CT, DC, FL, IL, IN, MA, NJ, OH, SD, VA, WA) — a meaningful gap in states with large senior populations

Palmetto Mutual’s assessment

Our assessment

American Amicable’s Senior Choice is a dependable workhorse product that earns its place in the final expense toolkit primarily through two strengths: competitive tobacco rates and a genuine underwriting advantage for blood thinner users. Clients on Coumadin, Warfarin, or Plavix for pulmonary embolism or thrombosis can qualify for full Immediate (day-one) coverage — a meaningful edge over carriers that automatically push blood thinner users into graded plans regardless of the prescribing reason. The mobile e-app with instant decision engine is one of the best in the industry; the prescription database check generates automatic reflexive questions when medications have multiple uses, which reduces field underwriting errors and keeps applications clean. The liberal build chart is another quiet advantage — at 5’10” and 307 lbs for Immediate, it accommodates a wider range of applicants than most competitors. Where American Amicable falls short: there’s no guaranteed issue safety net, so clients who hit knockout questions 1–3 need a different carrier entirely. The Graded plan’s 30%/70% structure is less generous than several competitors, and the ROP plan is expensive relative to the benefit it provides. For healthy non-smokers, carriers like Mutual of Omaha will typically win on rate. For COPD clients, Aflac is a stronger choice with immediate coverage at any time. American Amicable is best deployed for tobacco users, blood thinner cases, and applicants with above-average build who’d fail stricter height/weight charts elsewhere.

Sample rates ▼

Monthly EFT rates shown below are for the Immediate Death Benefit plan (best available — full day-one coverage, no waiting period). Rates are subject to verification against the Palmetto Mutual quote engine before publishing.

Immediate Death Benefit — non-tobacco male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$31.64	$46.15	$75.15
55	$40.03	$58.73	$96.12
60	$47.05	$69.26	$113.67
65	$59.74	$88.29	$145.40
70	$78.79	$116.86	$193.01
75	$108.01	$160.70	$266.07
80	$155.82	$232.41	$385.59

Immediate Death Benefit — non-tobacco female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$26.66	$38.68	$62.70
55	$33.69	$49.21	$80.26
60	$38.26	$56.07	$91.70
65	$47.05	$69.26	$113.67
70	$60.38	$89.25	$146.98
75	$81.73	$121.27	$200.35
80	$113.68	$169.20	$280.24

Immediate Death Benefit — tobacco male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$40.59	$59.56	$97.50
55	$50.00	$73.68	$121.04
60	$60.56	$89.52	$147.44
65	$76.06	$112.77	$186.19
70	$98.31	$146.15	$241.82
75	$132.48	$197.41	$327.25
80	$181.75	$271.30	$450.41

Immediate Death Benefit — tobacco female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$31.28	$45.61	$74.25
55	$38.67	$56.68	$92.71
60	$45.77	$67.33	$110.46
65	$57.70	$85.23	$140.29
70	$72.18	$106.95	$176.48
75	$94.42	$140.30	$232.08
80	$135.19	$201.46	$334.00

Maximum coverage by age & plan

Issue age	Immediate max	Graded max	ROP max
50–75	$50,000	$25,000	$25,000
76–85	$25,000	$25,000	$25,000

Rates shown are based on American Amicable’s current Senior Choice rate schedules and include all applicable policy fees. Graded and ROP plan rates are higher than Immediate rates shown above. Rates are subject to change and should be verified against the Palmetto Mutual quote engine before publishing. Call us for an exact, personalized quote based on your age, health, and coverage needs.

Underwriting & health conditions ▼

American Amicable uses a simplified 8-question health application (Form 9466 / ICC15-GL213) plus a prescription database check, MIB authorization, and a liberal unisex build chart. No medical exam required. Four possible outcomes: Immediate Death Benefit (“No” to all 8 questions — full day-one coverage at best rates), Graded Death Benefit (“Yes” to question 8 only — 30%/70%/100% structure), Return of Premium (“Yes” to questions 4–7 — premiums + 10% interest during graded period), or Decline (“Yes” to questions 1–3 — no coverage available).

Questions 1–3 — Decline triggers (any “yes” = not eligible for any Senior Choice plan)

Q1: Currently hospitalized, confined to a nursing facility/bed/wheelchair due to chronic illness, using oxygen to assist breathing, receiving hospice or home health care, had an amputation caused by disease, currently have any form of cancer (excluding basal cell skin cancer), or require ADL assistance (bathing, dressing, eating, toileting)
Q2: Had or been medically advised to have an organ transplant or kidney dialysis, or diagnosed with congestive heart failure (CHF), Alzheimer’s, dementia, mental incapacity, Lou Gehrig’s disease (ALS), liver failure, respiratory failure, or a terminal condition/end-stage disease expected to result in death within 12 months
Q3: Medically treated or diagnosed with AIDS, ARC, any immune deficiency disorder, or tested positive for HIV

Questions 4–7 — Return of Premium triggers (any “yes” = ROP plan)

Q4: Ever diagnosed or treated for complications of diabetes — insulin shock, diabetic coma, retinopathy, nephropathy, neuropathy — or used insulin prior to age 50
Q5: Ever diagnosed, treated, or taken medication for renal insufficiency, kidney failure, chronic kidney disease, or more than one occurrence of cancer in a lifetime (excluding basal cell skin cancer)
Q6: Within the past 2 years — any diagnostic testing, surgery, or hospitalization advised by a medical professional which has not been completed or results not received
Q7a: Within past 2 years — angina, stroke or TIA, cardiomyopathy, systemic lupus (SLE), cirrhosis, Hepatitis C, chronic hepatitis, chronic pancreatitis, COPD, emphysema, chronic bronchitis, or required oxygen to assist breathing
Q7b: Within past 2 years — heart attack, aneurysm, or had/advised to have heart, brain, or circulatory surgery (pacemaker, defibrillator, procedures to improve circulation)
Q7c: Within past 2 years — diagnosed, treated, or taken medication for any form of cancer (excluding basal cell skin cancer)
Q7d: Within past 2 years — used illegal drugs, abused alcohol/drugs, or been recommended for treatment/counseling for alcohol or drug use

Question 8 — Graded plan triggers (any “yes” = Graded plan)

Q8a: Within past 3 years — stroke, angina, heart attack, aneurysm, heart or circulatory surgery, or any procedure to improve circulation
Q8b: Within past 3 years — taken medication for any form of cancer (excluding basal cell skin cancer), emphysema, chronic bronchitis, COPD, ulcerative colitis, cirrhosis, Hepatitis C, or liver disease
Q8c: Within past 3 years — paralysis of two or more extremities, cerebral palsy, multiple sclerosis, seizures, Parkinson’s disease, or muscular dystrophy

How the three-tier system works together

Application result	Plan assigned	What it means
“Yes” to Q1, Q2, or Q3	Decline	Not eligible for any Senior Choice coverage
“Yes” to Q4–Q7 (but “No” to Q1–Q3)	Return of Premium	Premiums + 10% interest returned for first 3 years (2 years if age 65+). 100% face amount paid for accidental death from day one. 100% after graded period.
“Yes” to Q8 only (but “No” to Q1–Q7)	Graded	30% of face in year 1, 70% in year 2, 100% year 3+. 100% for accidental death from day one.
“No” to all Q1–Q8	Immediate	Full day-one coverage at best rates. All riders available.

Lookback periods by condition

Condition	Immediate	Graded	ROP
Heart attack / Angina / Aneurysm / Heart surgery	>3 years	Within 3 years	Within 2 years
Stroke / TIA	>3 years	Within 3 years	Within 2 years
Cancer (single occurrence, excl. basal cell)	>3 years	Within 3 years	Within 2 years
COPD / Emphysema / Chronic bronchitis	>3 years	Within 3 years	Within 2 years
Parkinson’s / MS / Seizures / Muscular dystrophy	>3 years	Within 3 years	—
Cirrhosis / Hepatitis C / Liver disease	>3 years	Within 3 years	Within 2 years
Systemic lupus (SLE) / Cardiomyopathy	>2 years	—	Within 2 years
Diabetes with complications	No complications ever	—	Ever (Q4)
Multiple cancers (lifetime)	Never	—	Ever (Q5)
Alcohol / Drug abuse	>2 years	—	Within 2 years
CHF / Alzheimer’s / Dementia / ALS / Dialysis	Decline — no coverage

Key underwriting notes

Blood thinner advantage: Coumadin/Warfarin prescribed for pulmonary embolism or thrombosis = Immediate. Plavix prescribed for pulmonary embolism/thrombosis = Immediate. These same medications prescribed for stroke/heart attack trigger ROP or Graded based on lookback.
Diabetes (uncomplicated): Type 2 diabetes managed with oral medication or insulin (started after age 50) qualifies for Immediate coverage — as long as there are no complications (retinopathy, nephropathy, neuropathy, insulin shock, or diabetic coma).
Prescription database check: The decision engine runs an electronic prescription history check. Medications with multiple uses trigger automatic reflexive questions (e.g., “Was this prescribed for CHF?”). The applicant’s answer determines plan eligibility.
COVID-19 addendum: Applicants are asked if they have been hospitalized or have ongoing complications from COVID-19 within the past 6 months.
Build chart is separate from health questions: Even if all health questions are answered “No,” the build chart can downgrade an applicant from Immediate to Graded or ROP based on height/weight.

Application health questions are based on Form 9466 (AA, OL, PA, PS) and ICC15-GL213 (iA). State-specific applications may vary. The Medical Impairment Guide and Prescription Reference Guide in the agent guide (pages 25–42) provide detailed condition-by-condition and medication-by-medication eligibility. Call us to discuss your specific health situation.

State availability ▼

Available nationwide through group subsidiaries

The American-Amicable Group operates through five subsidiary companies, which collectively provide coverage across all U.S. states. The specific issuing company varies by state:

AA — American Amicable Life Ins. Co. of TX iA — iA American Life Insurance Company OL — Occidental Life Ins. Co. of NC PA — Pioneer American Insurance Company PS — Pioneer Security Life Insurance Company

State-specific restrictions & requirements

KS — No replacement sales accepted KY — No replacement sales accepted WA — $5,000 minimum death benefit

States requiring additional forms

AL — Amendment to Application AR — Producer Compensation Disclosure CA — Lapse Designee + Senior Notice + Sale/Liquidation + Privacy + TI Disclosure + Supplement CT — Third-Party Cancellation Notice ID — Third-Party Cancellation Notice IL — Secondary Addressee Lapse Notice MA — TI Disclosure signed + submitted MT — Third-Party Cancellation Notice PA — Disclosure Statement RI — Third-Party Cancellation Notice UT — Third-Party Cancellation Notice VA — TI Disclosure signed + submitted WA — TI Disclosure signed + submitted

Confined Care rider not available in:

CA CT DC FL IL IN MA NJ OH SD VA WA

Products and riders not available in all states. Check with the State Approval Grid on the company website or contact Home Office Agent Support at (800) 736-7311 (prompt 1, 1, 1) for current approvals. Each subsidiary has sole financial responsibility for its own products.

Financial strength & trust signals ▼

A.M. Best rating	A (Excellent) — 3rd highest out of 15 categories. Reflects strong risk-adjusted capitalization, profitable operating performance, and high-quality fixed-income investment portfolio.
BBB rating	A+ — accredited since 2011
Moody’s / S&P / Fitch	Not individually rated
Year founded	1910 (chartered as Amicable Life in 1909, first policy issued 1910) — 115+ years in operation
Headquarters	425 Austin Avenue, Waco, TX 76701 (P.O. Box 2549, Waco, TX 76702)
Parent company	iA Financial Group (Industrial Alliance Insurance and Financial Services Inc.) — one of the largest insurance and wealth management groups in Canada. Acquired American Amicable in 2010.
Organization type	Subsidiary of publicly traded iA Financial Group (TSX: IAG)
Active policies	1,000,000+
Group companies	American Amicable Life Ins. Co. of TX · iA American Life Insurance Co. · Occidental Life Ins. Co. of NC · Pioneer American Insurance Co. · Pioneer Security Life Insurance Co.
Service hours	Live chat: 8:00 AM–4:45 PM CT M–F · Phone: 8:00 AM–4:00 PM CT M–F

How to apply ▼

Application method: Through licensed agent only — mobile e-app (tablet/smartphone at www.insuranceapplication.com), paper application (Form 9466 / ICC15-GL213), or AppDrop scan/fax submission
E-app available: Yes — mobile application with instant point-of-sale underwriting decision within seconds. Supports stylus/finger signature, email signature, or voice signature.
Phone (support): (800) 736-7311 — Agent Support: prompt 1, 1, 1 · 8:00 AM–4:00 PM CT M–F
Approval speed: Mobile e-app: Instant (seconds). Paper: varies — typically 1–2 weeks. Faster with point-of-sale phone interview completed.
Buy direct?: No — must go through a licensed agent. No online self-service quoting or purchasing.
Initial premium: Bank draft · eCheck (immediate draft upon receipt) · Personal check (money orders NOT accepted) · Must be payable to the insurance company, never to the agent
Payment modes: Monthly EFT · Quarterly · Semi-Annual — mode selection may affect total premium cost
EFT draft timing: Requested draft day (1st–28th) or aligned with Social Security schedule: 1st of month, 3rd of month, 2nd/3rd/4th Wednesday
Conditional receipt: Yes — if first full premium submitted or bank draft fully authorized, underwriting requirements completed, and applicant is acceptable exactly as applied for. Max $150,000 (including all in-force + applied-for, including ADB) pre-delivery. Expires at delivery or 60 days.
Policy delivery: Mail to agent, insured, or owner (applicant’s choice on application)
Requested policy date: Cannot be more than 35 days from application signature date. Drafts cannot be on 29th, 30th, or 31st.
Downgrade option: “Plan Acceptance” checkbox — if checked, applicant pre-authorizes acceptance of whichever plan they qualify for, preventing the need for signed endorsements or amendments
Replacement: Application asks about existing life insurance/annuities and whether this policy will replace coverage. Kansas and Kentucky do not accept replacement sales.
Re-application limits: No new application accepted if proposed insured has had 2 previous policies in past 12 months, or 3+ policies in past 5 years that lapsed, surrendered, or cancelled.

→ Go to American Amicable company page

Back to companies ↑

Liberty Bankers Life

Liberty Bankers Life Insurance Company · Dallas, TX · Est. 1958

Policy snapshot

Product name	SIMPL Final Expense (Simplified Issue Made Perfect for Life)
Policy type	Simplified issue whole life — three tiers: SIMPL Preferred, SIMPL Standard, and SIMPL Modified (graded benefit)
Coverage range	Preferred & Standard: $3,000 – $40,000 · Modified: $1,000 – $20,000
Issue ages	Preferred & Standard: 18 – 80 · Modified: 40 – 80
Waiting period	Preferred & Standard: None — full day-one coverage · Modified: 3-year graded benefit (accidental death = 100% from day one; non-accidental death = return of all premiums paid + 10% compounded during first 3 years; Year 4 = 100%; Year 5 = 105%; Year 6+ = 110%)
Medical exam	Not required
Health questions	Yes — three-part application (Part 1, Part 2, Part 3) + MIB authorization + phone interview with underwriter
Premiums locked	Yes — guaranteed level, never increase
Cash value	Yes — guaranteed cash value accumulation
Build chart	Yes — height/weight limits apply (collected on application)
Tobacco distinction	Yes — Nicotine vs. Non-Nicotine rate classes · 12-month lookback · includes cigarettes, nicotine, and e-cigarettes
MIB check	Yes — MIB authorization included in application
Accelerated death benefit	Included free on SIMPL Preferred & Standard only · terminal illness (life expectancy ≤12 months) or chronic illness (unable to perform 2+ ADLs) · up to the lesser of $250,000 or 80% of face amount · administrative expense charge and interest charge may apply · Not available on Modified
Accidental death rider	Available for additional premium on Preferred & Standard only · Annual rates per $1K: ages 18–59 = $1.00 · ages 60–69 = $2.00 · ages 70–80 = $4.00 · Not available on Modified
Other riders	Children’s Benefit Rider: $5,000 term coverage to age 25 per child, max 4 units — $37.73/year per unit per child (≈$3.49/mo for $5K). Grandchild Benefit Rider: $7,500 term to age 25 per grandchild — $12.97/year per grandchild (≈$1.20/mo). Both convertible at age 25 or marriage. Waiver of Premium rider not available on final expense policies. All riders available on Preferred & Standard only — no riders on Modified.
Nonforfeiture options	Cash value, paid-up insurance, extended term insurance
Policy fee	$50 annual policy fee included in all quoted premiums
First-year discount	20% discount on first-year premium when annual mode is selected
Minimum premium	$15 modal premium
Conditional receipt	Yes — coverage can bind on application date if first full premium is submitted, applicant is insurable under Liberty Bankers rules for plan/amount/rate, and conditions are met. Max $25,000 total LBL coverage (all in-force + applied-for) prior to policy delivery.
Automated underwriting	Yes — point-of-sale phone interview with instant underwriting decisions; checks MIB, Rx database, and MVR records
A.M. Best rating	A- (Excellent) — reaffirmed 4 consecutive years (2022–2025)

Pros & cons

Pros

Issue ages start at 18 — one of the few final expense carriers that covers young adults, locking in low rates decades before most competitors will issue a policy
Outstanding child and grandchild riders at industry-leading prices — $5,000 per child for ~$3.49/month (up to 4 units per child) and $7,500 per grandchild for ~$1.20/month, both convertible to whole life at age 25 or marriage
Three-tier underwriting (Preferred / Standard / Modified) provides flexibility — fewer outright declines than carriers with only two tiers
Accelerated death benefit included free on Preferred & Standard — covers both terminal illness and chronic illness (2+ ADL impairment), up to 80% of face amount, with no separate premium charge
Immediate full death benefit on SIMPL Preferred & Standard — no waiting period or graded benefits for applicants who qualify
Guaranteed cash value accumulation higher than many competitors — meaningful savings component builds over time
Fast automated underwriting with instant decisions at point of sale — phone interview with policies typically issued within 48 hours
Home service model — agents make house calls for application, premium collection, and claims delivery, beneficial for homebound seniors
AM Best A- (Excellent) rating with record $37.5 million operating income in 2024 and $2.68 billion in total assets
20% discount on first-year premium when annual payment mode is selected

Cons

No guaranteed issue option — applicants who fail all three tiers (Preferred, Standard, Modified) will be declined with no fallback product, unlike carriers like Gerber Life or Corebridge
Modified plan is a weak value — the 3-year graded benefit (premiums + 10% compounded for non-accidental death) is less competitive than other carriers’ graded products, and no riders are available on Modified policies
Rates are generally 10–20% higher than the cheapest carriers like Mutual of Omaha or American Amicable for comparable healthy applicants — not a price leader for seniors
No online quote tools — quotes are only available through an agent, limiting comparison shopping and transparency
Height/weight build chart applies — overweight applicants may be rated up or declined, unlike carriers such as Aflac or CICA that have no build chart
Diabetes at age 9 or younger is a flat decline — stricter than most competitors for Type 1 diabetics diagnosed in childhood
Not rated by S&P, Moody’s, or Fitch — the AM Best A- is solid, but some competitors carry A+ or A++ ratings with multiple agency coverage
Modified plan not available in all states — Arkansas, Montana, North Carolina, and New York are excluded for Modified; New York is excluded for all products
Uncontrolled diabetes and uncontrolled high blood pressure within 2 years are Part 1 decline triggers — stricter lookback than some competitors who would offer graded coverage

Palmetto Mutual’s assessment

Our assessment

Liberty Bankers occupies a specific and valuable niche in the final expense market. The 18–80 issue age range is wider than nearly every competitor, making it a strong option for younger adults locking in low lifetime rates. The child and grandchild riders are genuinely unmatched in the industry at their price point — no other final expense carrier offers comparable family coverage at ~$3.49/month and ~$1.20/month respectively. For the typical senior applicant aged 65–75, however, Mutual of Omaha and Aetna will usually beat Liberty Bankers on price for healthy applicants. The Modified plan is not one we typically recommend — the 3-year graded benefit with no riders is outclassed by alternatives from other carriers. Where Liberty Bankers earns its place in the toolkit: younger clients, family rider situations, and applicants who value the home service model and fast automated underwriting.

Sample rates ▼

Monthly rates shown below are from the SIMPL Final Expense Rate Book (rates effective 02/01/2023) and include the $50 annual policy fee. All rates subject to verification through the Palmetto Mutual quote engine before publishing.

SIMPL Preferred — non-nicotine male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$33.20	$47.48	$76.06
55	$38.59	$55.57	$89.54
60	$46.62	$67.62	$109.61
65	$58.00	$84.68	$138.06
70	$77.15	$113.42	$185.95
75	$103.02	$152.21	$250.61
80	$147.94	$219.59	$362.90

SIMPL Preferred — non-nicotine female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$26.33	$37.19	$58.90
55	$30.91	$44.06	$70.35
60	$36.35	$52.22	$83.94
65	$44.95	$65.11	$105.43
70	$57.60	$84.09	$137.06
75	$81.59	$120.07	$197.03
80	$116.01	$171.71	$283.10

SIMPL Preferred — nicotine male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$45.66	$66.17	$107.21
55	$53.15	$77.41	$125.94
60	$65.29	$95.62	$156.28
65	$90.46	$133.37	$219.20
70	$117.36	$173.73	$286.47
75	$161.26	$239.58	$396.22
80	$212.70	$316.74	$524.82

SIMPL Preferred — nicotine female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$35.26	$50.58	$81.22
55	$40.91	$59.06	$95.34
60	$48.27	$70.09	$113.73
65	$61.00	$89.19	$145.57
70	$76.57	$112.54	$184.49
75	$101.86	$150.48	$247.72
80	$156.21	$232.01	$383.60

SIMPL Standard — non-nicotine male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$39.62	$57.11	$92.11
60	$61.97	$90.64	$147.98
65	$85.93	$126.59	$207.89
70	$109.50	$161.94	$266.82
80	$223.95	$333.62	$552.94

SIMPL Standard — non-nicotine female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$32.71	$46.75	$74.83
60	$45.30	$65.63	$106.31
65	$58.40	$85.29	$139.07
70	$76.15	$111.91	$183.43
80	$160.33	$238.18	$393.89

Premium mode factors (all SIMPL products)

Payment mode	Factor
Annual (1st year only)	Annual × 0.80 (20% discount)
Annual (2nd year+)	Annual × 1.00
Semi-annual	Annual × 0.51
Quarterly	Annual × 0.265
Monthly bank draft	Annual × 0.0925

Rates sourced from Liberty Bankers SIMPL Final Expense Rate Book (effective 02/01/2023) and include the $50 annual policy fee. Minimum modal premium: $15. Accidental death rider and child/grandchild rider premiums are additional. All rates flagged for live verification through the Palmetto Mutual quote engine before publishing. Call us for an exact, personalized quote based on your age, health, and coverage needs.

Underwriting & health conditions ▼

Liberty Bankers uses a three-part simplified health application plus MIB authorization and a phone interview with an underwriter. No medical exam. Automated underwriting checks MIB, prescription drug database, and motor vehicle records. Four possible outcomes: SIMPL Preferred (“No” to all questions — best rates, full day-one coverage), SIMPL Standard (“Yes” to a Part 3 condition — full day-one coverage at standard rates), Modified Whole Life (“Yes” to a Part 2 condition — 3-year graded benefit), or Decline (“Yes” to a Part 1 condition — stop, do not submit).

Part 1 — Decline triggers (any “yes” = stop, do not submit application)

Ever: Congestive heart failure (CHF), cardiomyopathy, memory loss, Alzheimer’s, senile dementia, dementia, heart defibrillator implant, two or more instances of internal cancer, or terminal illness (expected to result in death within 24 months)
Ever: Organ transplant (other than corneal), bone marrow transplant, stem cell treatment, kidney failure or dialysis, muscular dystrophy, mental incapacity, ALS/Lou Gehrig’s disease, Down’s syndrome, cystic fibrosis, pulmonary fibrosis, or Huntington’s disease
Ever: Diabetes diagnosed at age 9 or younger
Ever: AIDS, AIDS-related complex, tested positive for HIV, or any other disorder of the immune system
Within past 2 years: Uncontrolled diabetes, uncontrolled high blood pressure, diabetic coma or insulin shock, amputation due to diabetic complications, schizophrenia, alcohol/drug abuse, illegal use of drugs, or dependency on prescription medication
Within past 1 year: Confined to hospital for more than 5 days total, advised to have surgery/hospitalization still awaiting, used oxygen (excluding CPAP for sleep apnea), bedridden at home, or residing in a nursing home, hospice, long-term care, or assisted living facility

Part 2 — Modified Whole Life triggers (any “yes” = MWL, 3-year graded benefit; check state availability)

Within past 3 years: Cancer (lymphoma, leukemia, or any form of cancer — excludes basal cell skin cancer), or received/advised to receive chemotherapy or radiation for cancer
Within past 2 years: Angina (chest pain), any type of heart or circulatory surgery or disease, heart valve disorder, heart attack, pacemaker, or stent
Within past 2 years: Stroke (excluding TIA/mini-stroke) or paralysis
Within past 2 years: Aneurysm, brain tumor, or sickle cell anemia
Within past 2 years: Complications of diabetes — nephropathy (kidney), neuropathy (nerve, circulatory), or retinopathy (eye)
Within past 2 years: Chronic hepatitis, Hepatitis C, cirrhosis of the liver, chronic pancreatitis, kidney disease, or Systemic Lupus (SLE)
Within past 2 years: Multiple sclerosis, Parkinson’s disease, or required use of a walker, wheelchair, or electric scooter due to chronic illness or disease
Within past 2 years: Convicted of or pled guilty to a felony or misdemeanor, or pending criminal charge

Part 3 — SIMPL Standard triggers (any “yes” = Standard, immediate full coverage at standard rates)

Ever: COPD, chronic bronchitis, emphysema, irregular heartbeat, atrial fibrillation, peripheral vascular disease, or peripheral artery disease
Ever: Insulin-dependent diabetes
Within past 2 years: Epileptic seizures or a Transient Ischemic Attack (TIA/ministroke)

All “No” to Part 3 = SIMPL Preferred — best available rates with full day-one coverage.

How the three-part system works together

Application result	Benefit level	What it means
“Yes” to any Part 1 question	Decline	Not eligible — stop, do not submit application
“Yes” to any Part 2 question	Modified Whole Life	3-year graded benefit: accidental death = 100% from day one; non-accidental = premiums + 10% compounded (years 1–3), 100% (year 4), 105% (year 5), 110% (year 6+). No riders available. Ages 40–80 only. Not available in all states.
“Yes” to any Part 3 question	SIMPL Standard	Full day-one coverage at standard rates. All riders available.
“No” to all Part 1, 2, and 3	SIMPL Preferred	Full day-one coverage at best rates. All riders available.

Lookback periods by condition

Condition	Preferred	Standard	Modified	Decline
Cancer (excl. basal cell skin)	3+ years	—	Within 3 yrs	2+ instances ever
Heart attack / Angina / Heart surgery / Stent / Pacemaker	2+ years	—	Within 2 yrs	CHF = ever
Stroke / Paralysis	2+ years	—	Within 2 yrs	—
TIA / Mini-stroke	2+ years	Within 2 yrs	—	—
COPD / Emphysema / Chronic bronchitis	—	Ever (no O₂ past yr)	—	O₂ use past yr
Insulin-dependent diabetes	—	Ever	—	Age ≤9 at diagnosis
Diabetes complications (nephropathy, neuropathy, retinopathy)	2+ years	—	Within 2 yrs	Coma/shock past 2 yrs
Atrial fibrillation / Irregular heartbeat / PVD / PAD	—	Ever	—	—
MS / Parkinson’s / Walker-wheelchair use	2+ years	—	Within 2 yrs	—
Kidney disease / Liver disease / Hepatitis C / SLE	2+ years	—	Within 2 yrs	Dialysis = ever
Epileptic seizures	2+ years	Within 2 yrs	—	—
Alcohol/drug abuse	2+ years	—	—	Within 2 yrs

Application health questions are based on the TAPP-LBL (ICC22-TAPP-LBL) application form. State-specific forms may vary. Underwriting also includes a phone interview with the underwriter, MIB check, prescription drug database, and motor vehicle records. Liberty Bankers reserves the right to obtain an Attending Physician Statement (APS) but these are rarely required. Call us to discuss your specific health situation.

State availability ▼

SIMPL Preferred & Standard — not available

SIMPL Modified (MWL) — not available

AR MT NC NY

Generally available

SIMPL Preferred and Standard are available in all U.S. states except New York. The Modified Whole Life plan has additional state restrictions. Liberty Bankers distributes through a network of 6,000+ independent agents in 47+ states. Products not available in all states — verify specific product and plan-level availability through the agent portal before presenting to clients.

Financial strength & trust signals ▼

A.M. Best rating	A- (Excellent) — reaffirmed for 4 consecutive years (2022–2025). Risk-adjusted capitalization rated in the “strongest” category by Best’s BCAR methodology.
S&P Global rating	Not Rated
Moody’s rating	Not Rated
Fitch rating	Not Rated
BBB rating	A+ (not accredited)
NAIC complaint index	Below industry average
Year founded	1958 (originally Royal Oak Life Insurance Company, Pennsylvania)
Headquarters	1605 Lyndon B. Johnson Freeway, Suite 700, Dallas, TX 75234
Administrative office	P.O. Box 224, Brownwood, TX 76804
Organization type	Wholly-owned subsidiary of Liberty Life Group Trust
Parent group	Liberty Bankers Insurance Group (LBIG)
Subsidiaries	Capitol Life Insurance Company, American Benefit Life Insurance Company, American Monumental Life Insurance Company
Total assets (2024)	$2.68 billion · 114.22% assets-to-liability ratio
Capital & surplus (2024)	$420.5 million adjusted
Operating income (2024)	$37.5 million (record high)
Total premium income (2024)	$593 million
Distribution	6,000+ independent agents in 47+ states
Phone	1-888-525-4467 (new business) · 1-800-731-4300 (main) · Fax: 1-888-525-5002
Email	newbiz@lbladmin.com

Note on AM Best rating: Many third-party review sites still list Liberty Bankers at B++ (Good). The company was upgraded to A- (Excellent) and has maintained that rating for 4 consecutive years. Always verify against the current AM Best rating.

How to apply ▼

Application method: Through licensed independent agent only — in person, by phone, or e-app through the online agent portal
E-app available: Yes — electronic application with electronic signature (code sent via email and text for verification)
Phone (new biz): 1-888-525-4467 · Fax: 1-888-525-5002 · Email: newbiz@lbladmin.com
Approval speed: Instant to 48 hours — automated underwriting with point-of-sale phone interview for most applications. APS rarely required.
Buy direct?: No — must go through a licensed independent agent. No online self-service quoting or purchasing.
Initial premium: Check or money order (payable to Liberty Bankers Life Insurance Company, never to the agent) · Automatic bank draft (ACH) · First premium can be drafted immediately, upon policy approval, or on first scheduled payment date (applicant’s choice)
Payment modes: Annual (20% discount first year) · Semi-annual · Quarterly · Monthly bank draft (ACH)
Conditional receipt: Yes — if cash or check equal to full first premium is submitted with application, coverage takes effect on latest of: (a) application date, (b) date requested in application, or (c) date of last medical requested. Max $25,000 total Liberty Bankers coverage (all in-force, riders, and applied-for) prior to policy delivery. Do NOT complete for ACH/bank draft for a future date.
Home service: Yes — agents make house calls for application, premium collection, and benefit delivery. Can also meet at coffee shops or other locations.
Policy delivery: Coverage begins when all three conditions are met: (1) policy has been issued, received, and accepted by proposed owner; (2) Liberty Bankers has received the first full premium; (3) health and conditions are as described in the application
Electronic signature: Yes — authentication via email and text with verification code
Policy exclusion: Suicide within first 2 years of policy issue (varies by state) — premiums refunded
Replacement: Application asks about existing life insurance/annuities and whether this policy replaces or changes existing coverage — NAIC replacement form and sales material certification required if applicable
Checks payable to: Liberty Bankers Life Insurance Company — do NOT make checks payable to the producer or leave payee blank

→ Go to Liberty Bankers company page

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Royal Neighbors of America

Fraternal Benefit Society · Rock Island, IL · Est. 1895

Policy snapshot

Product name	Ensured Legacy Final Expense
Policy type	Simplified issue (Level Preferred & Standard), graded death benefit & guaranteed issue
Coverage range	$5,000 – $40,000 (SI & GDB) · $3,000 – $10,000 (GI)
Issue ages	50 – 85
Waiting period	SI: None · GDB: 30/70/100% graded · GI: 2-year modified
Medical exam	Not required
Health questions	Yes — simplified yes/no questions + Rx/MIB review
Premiums locked	Yes — guaranteed level, never increase
Cash value	Yes — loans available at 7.4% interest
Build chart	Height/weight for Preferred only · No build chart for Standard, GDB, or GI
Tobacco distinction	Yes — separate tobacco & non-tobacco rate classes
MIB check	Yes
Accelerated death benefit	Included free up to 75% of face (max $100K) · terminal illness or permanent nursing home confinement · on policies $7K+ · not available on GI
Accidental death rider	Available for additional premium · expires at age 80
Charitable giving rider	Included free — RNA donates 1% of face (up to $1,000) to a charity you choose
Grandchild rider	Available — $5,000 per grandchild · $60/year flat · ages 90 days – 17 (25 if in school)
A.M. Best rating	A (Excellent) · 3rd highest of 13 · affirmed Dec 2025

Pros & cons

Pros

No heightened weight chart — no build chart requirement for Standard, GDB, or GI rate classes
Best-in-class diabetes underwriting — insulin users who started at age 30+ and diabetic neuropathy both qualify for level day-one coverage
True graded benefit (30/70/100%) for HIV/AIDS — one of the only carriers that won’t flatly decline or push to GI
Unique Charitable Giving Rider included free — no other FE carrier offers this
Fraternal member benefits at no extra cost: Rx savings, dental, vision, legal services, scholarships, grants
Payment dates align with Social Security deposit schedule (2nd, 3rd, or 4th Wednesday)

Cons

Not available in 7 states — AL, AK, HI, LA, MA, NH, NY
Rates for ages 50–59 run ~20% higher than top competitors like Mutual of Omaha
SI minimum $5,000 face ($3K for GI) — higher floor than some competitors at $2K
GI max coverage capped at $10,000 — lower than competitors offering up to $25K GI
Requires fraternal society membership — concept can feel unfamiliar to some seniors
Back-office customer service and claims processing can be slow based on consumer reviews

Palmetto Mutual’s assessment

Our assessment

Royal Neighbors stands out in the final expense market for two specific underwriting niches that very few carriers can match. First, their diabetes underwriting is the most forgiving we’ve seen — applicants taking insulin (prescribed at age 30 or later) and those with diabetic neuropathy both qualify for level, day-one coverage. Most competitors either decline insulin-dependent diabetics outright or push them into a graded or modified plan, and diabetic neuropathy is a common knockout question elsewhere. Second, Royal Neighbors is one of the only final expense carriers that will issue a true graded benefit policy — 30% in year one, 70% in year two, 100% in year three — to individuals who are HIV/AIDS positive. At most other carriers, that’s an automatic decline or a guaranteed issue with a return-of-premium waiting period. There’s also no heightened build chart requirement for Standard, Graded, or Guaranteed Issue rate classes, which means overweight applicants aren’t penalized the way they would be at carriers with strict height/weight tables. The Charitable Giving Rider is a unique differentiator — no other final expense carrier donates to a charity on behalf of the policyholder at no additional cost. Where Royal Neighbors falls short is pricing for younger applicants (ages 50–59), where their rates run roughly 20% above carriers like Mutual of Omaha, and their limited state availability (not licensed in 7 states including New York). For the right client — particularly diabetics, HIV/AIDS positive individuals, or applicants who’ve been declined elsewhere due to weight — Royal Neighbors fills a gap that’s hard to find anywhere else.

Sample rates ▼

Royal Neighbors uses separate tobacco and non-tobacco rate classes with Preferred and Standard tiers. Rates below reflect the Standard tier.

Standard non-tobacco — male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$39.32	$56.81	$91.79
55	$45.80	$66.52	$107.97
60	$51.11	$74.49	$121.26
65	$59.92	$87.70	$143.27
70	$79.09	$116.46	$191.20
75	$108.18	$160.10	$263.94
80	$153.47	$228.03	$377.15
85	$221.48	$330.05	$547.19

Standard non-tobacco — female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$34.15	$49.05	$78.84
55	$37.98	$54.80	$88.44
60	$38.39	$55.41	$89.46
65	$47.27	$68.73	$111.64
70	$60.57	$88.68	$144.90
75	$81.92	$120.70	$198.27
80	$121.43	$179.98	$297.06
85	$164.35	$244.35	$404.35

Standard tobacco — male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$54.48	$79.54	$129.67
55	$66.44	$97.49	$159.58
60	$75.01	$110.34	$181.00
65	$94.75	$139.95	$230.35
70	$122.02	$180.85	$298.52
75	$174.71	$259.90	$430.26
80	$230.32	$343.30	$569.21
85	$319.96	$477.76	$793.37

Standard tobacco — female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$25,000
50	$50.94	$74.23	$120.82
55	$55.17	$80.58	$131.39
60	$65.17	$95.58	$156.40
65	$80.26	$118.21	$194.12
70	$99.99	$147.81	$243.45
75	$128.33	$190.31	$314.29
80	$163.55	$243.15	$402.35
85	$225.90	$336.67	$558.21

Rates are subject to change without notice and may vary by state. Preferred rates may be lower for qualifying applicants. Call us for an exact, personalized quote based on your age, health, and coverage needs.

Underwriting & health conditions ▼

Royal Neighbors uses simplified yes/no health questions, an MIB check, and prescription history (Rx) review. No medical exam required. No APS unless flagged. Three-tiered outcome: Simplified Issue (Level Preferred or Standard) for healthy applicants, Graded Death Benefit (30% year 1 / 70% year 2 / 100% year 3) for moderate impairments, and Guaranteed Issue for higher-risk applicants. Height/weight limits apply to Preferred tier only — no build chart for Standard or below.

Conditions approved for simplified issue (no waiting period)

Type 2 diabetes — including insulin users who started at age 30 or later
Diabetic neuropathy — not asked about on the application (major advantage)
Controlled COPD / emphysema
Controlled high blood pressure
Controlled cholesterol
Cancer — 2+ years in remission, no ongoing treatment
Heart attack / stroke / cardiac event — 2+ years ago, no ongoing treatment
Blood thinners (warfarin, coumadin) — OK for Level coverage
Depression / anxiety — if controlled
Sleep apnea

Conditions that trigger graded death benefit (30/70/100%)

HIV / AIDS positive — one of the only carriers offering a true graded benefit instead of decline or GI
Cardiac events / stroke within past 24 months
Cancer diagnosis within past 2 years
Conditions flagged on health questions within past 18 months with ongoing medications or treatment
Stroke, angina, heart attack, cardiomyopathy, heart/circulatory surgery — 18-to-24-month timeline applies

Conditions that trigger guaranteed issue (2-year modified)

Currently confined to bed, wheelchair, hospital, nursing home, or on oxygen
Organ transplant
Diabetic amputation
Coma
Dementia / Alzheimer’s
Currently on dialysis
Active chemotherapy / radiation
Advised to attend alcohol or drug counseling
Terminal illness (life expectancy 12 months or less)

Conditions that trigger decline

Felony conviction (regardless of face amount)
Non-U.S. citizen or non-permanent resident (no SSN or ITIN)
Mentally incompetent or unable to legally contract
Already owns $40,000+ in SIWL, $20,000+ in GDB, or $10,000+ in GI with Royal Neighbors
Three or more lapsed certificates with Royal Neighbors

Lookback periods

Condition	Lookback	Level eligible if…
Cancer (remission/removal)	2 years	No treatment, no recurrence
Heart attack / stroke / angina	24 months	No ongoing meds or treatment
Cardiomyopathy / cardiac surgery	24 months	No ongoing meds or treatment
Other conditions (Q5–Q7)	18 months	No ongoing meds or treatment

Underwriting guidelines and health questions may vary by state. Call us to discuss your specific health situation and find out which plan you qualify for.

State availability ▼

Available — 43 states + D.C.

AZARCACOCTDEDCFLGAIDILINIAKSKYMEMDMIMNMSMOMTNENVNJNMNCNDOHOKORPARISCSDTNTXUTVTVAWAWVWIWY

Not available — not licensed

ALAKHILAMANHNY

Not all products are available in all licensed states. Graded Death Benefit plan may have further state limitations. Montana requires male rates for both male and female applicants. Contractual provisions and limitations vary by state.

Financial strength & trust signals ▼

A.M. Best rating	A (Excellent) — 3rd highest of 13; upgraded from A- in 2020; affirmed Dec 2024 & Dec 2025
BBB rating	A+ — accredited since 1986
Year founded	1895 (130+ years)
Headquarters	230 16th Street, Rock Island, IL 61201
Organization type	Fraternal benefit society (nonprofit) — member-owned, no shareholders
Total assets	$1+ billion
Members	~280,000+ nationwide
CEO	Zarifa Reynolds
Notable recognition	Forbes America’s Best Insurance Companies 2025 · 8th consecutive Great Place to Work® certification · 2nd-fastest growing fraternal life insurer in the U.S.

How to apply ▼

Application method: Through licensed agent only — e-app, voice signature phone app, or paper with phone interview
E-app available: Yes — instant point-of-sale decision. Signature options: text, email, in person, or phone
Approval speed: Instant (e-app) to same-day (voice signature). Decision given at end of phone call.
Buy direct?: No — must go through a contracted licensed agent
Free-look period: 20 days (may be longer in some states)
Phone (toll-free): (800) 627-4762
Phone (voice app): (866) 281-9228 · Mon–Fri 8AM–9PM CST · Sat 8AM–3PM CST
Phone (underwriting): (309) 788-4561 · Option 1 → Option 1 → Option 1
Payment options: Monthly or annual. Draft dates align with Social Security deposits (2nd, 3rd, or 4th Wednesday).
Policy delivery: Mailed to certificate owner
Membership: Required — annual fee waived with policy purchase. Free general membership available online.

→ Go to Royal Neighbors company page

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Corebridge Financial

Issued by American General Life Insurance Company · Houston, TX · Est. 1919 (AIG) / 2022 (Corebridge)

Policy snapshot

Corebridge offers three final expense products through American General Life. All three share a single e-application platform — if a client is declined for simplified issue, the system can pivot to guaranteed issue in the same appointment.

SimpliNow Legacy Max (Level)

SimpliNow Legacy (Graded)

GIWL

Products offered	SimpliNow Legacy Max — Simplified Issue, Level Death Benefit · SimpliNow Legacy — Simplified Issue, Graded Death Benefit · Guaranteed Issue Whole Life (GIWL)
Policy type	Whole life — three paths: Level (full day-one benefit), Graded (110% of premiums paid in first 2 years), or Guaranteed Issue (110% of premiums paid in first 2 years)
Coverage range	Level: $5,000–$35,000 (varies by age/tobacco) · Graded: $5,000–$25,000 · GIWL: $5,000–$25,000
Issue ages	50–80 (Age Last Birthday) — all three products
Waiting period	Level (SimpliNow Legacy Max): None — full face amount from day one · Graded & GIWL: 2-year graded — 110% of premiums paid if death occurs in first 2 years; full face amount after year 2. Full face amount paid from day one for accidental death (Graded only).
Medical exam	Not required — all three products
Health questions	Level & Graded: Yes — multi-step knockout + eligibility questions with real-time MIB/Rx database verification via HIPAA authorization · GIWL: No health questions — guaranteed acceptance
Premiums locked	Yes — guaranteed level, never increase · Premium payments stop at Maximum Payment Age (typically 90–95) · Coverage continues in-force to age 100
Cash value	Yes — policy loans allowed, 8% annual interest payable in arrears
Build chart	Yes — height/weight limits apply to both Level and Graded products · Level (SimpliNow Legacy Max) has stricter limits than Graded
Tobacco distinction	Yes — separate smoker/non-smoker rates · Smokers ages 71–80 are NOT eligible for Level (SimpliNow Legacy Max)
MIB check	Yes — HIPAA authorization + Underwriting Authorization Form required for SIWL; real-time database verification of applicant responses
Terminal illness ABR	Included free on Level only · Fee if activated · Requires physician certification of <12-month life expectancy · Full death benefit less a percentage and up to $100 admin fee · Paid as lump sum · Not available on Graded or GIWL
Nursing home ABR	Included free on Level only · Fee if activated · Requires 90+ consecutive days nursing home confinement + inability to perform 2 of 6 ADLs · Not available in CA · Not available on Graded or GIWL
Accidental death rider	Available at additional cost on Level only (issue ages 50–75) · Pays additional death benefit equal to face amount · Terminates at age 80 · Graded plan has built-in accidental death provision: full face amount paid if accidental death occurs in first 2 years · Not available on GIWL
Policy fee	Level (SimpliNow Legacy Max): $36/year · Graded (SimpliNow Legacy): $12/year · GIWL: $24/year — all fees included in quoted premiums
Limited-pay feature	Yes — built into all products. Premiums stop at Maximum Payment Age (varies by age, gender, face amount); coverage remains in-force to age 100. Most ages stop paying at 94–95.
Policy maturity	Endows at age 100 for all designs
Aggregate limits	Total of all AGL SIWL + GIWL policies on one person: $35,000 max if Level-eligible · $25,000 max if Graded or GIWL
Face changes	Not permitted after issue — no increases or decreases
Exchanges	Not allowed — no exchanges or conversions to/from other products

Pros & cons

Pros

Three final expense products in one e-app — if a client is declined for simplified issue, the system pivots to guaranteed issue in the same appointment, so you never leave empty-handed
100% instant underwriting decisions at point of sale — policies issued and delivered via email within minutes, one of the fastest in the industry
Massive financial backing — A.M. Best A (Excellent), S&P A+, Moody’s A2, Fitch A+ — backed by one of the largest life insurance operations in the U.S. with $393B+ in assets
Built-in Limited-Pay feature across all products — premiums stop at Maximum Payment Age while coverage continues to age 100, a meaningful advantage over carriers requiring lifetime payments
Strong rider package on Level product — Terminal Illness ABR, Nursing Home Confinement ABR, and optional Accidental Death Benefit rider, all included at no extra charge
Graded product has built-in accidental death provision — full face amount paid from day one if death is accidental, even during the 2-year graded period
No chargebacks on earned agent commissions for lapse, surrender, or death
Level product face amounts up to $35,000 for non-smokers ages 71–80 — higher than most final expense carriers

Cons

Not available in New York — neither the SIWL nor GIWL final expense products are sold in NY
Real-time database verification is a black box — the system can decline applicants who appear healthy with no ability to appeal or manually underwrite; agents report unpredictable outcomes
GIWL rates are not competitive — the $24 annual policy fee plus generally higher premiums make the guaranteed issue product more expensive than alternatives like Gerber Life for the same coverage
Build chart applies to both Level and Graded products — height/weight limits can exclude larger applicants that other carriers (like Mutual of Omaha) accept with no build chart
Smokers ages 71–80 cannot get Level death benefit — limited to Graded (2-year wait) or GIWL only
No riders available on Graded or GIWL plans — terminal illness ABR, nursing home ABR, and accidental death rider are all Level-only
Face changes not permitted after issue — no increases or decreases allowed once the policy is in force
Higher-than-expected complaint volume — NerdWallet notes more complaints to state regulators than expected for a company of its size; J.D. Power ranked Corebridge 19 of 22 for life insurance customer satisfaction

Palmetto Mutual’s assessment

Our assessment

Corebridge’s biggest advantage in the final expense market is the seamless SIWL-to-GIWL pivot — walk into any appointment with two shots at getting a client covered through a single e-app. When the SimpliNow system works, it’s one of the fastest writes in the industry: instant decision, policy issued and emailed in minutes. The financial strength behind AGL is hard to argue with. Where Corebridge falls short is predictability: the real-time database verification can decline applicants for reasons the agent can’t see or appeal, which pushes otherwise-qualifying clients into the more expensive Graded or GIWL products. The GIWL product itself is overpriced relative to competitors. The build chart and smoker restrictions at ages 71–80 further narrow the pool of Level-eligible applicants. Corebridge works best as a backup carrier — a strong option when you need guaranteed acceptance from a financially stable company or when the speed of instant issue matters — but not a first-reach for healthy clients who’d get better rates elsewhere.

Sample rates ▼

Rates below are for the Guaranteed Issue Whole Life (GIWL) product. Monthly premiums include the $24 annual policy fee. All GIWL policies carry a 2-year graded death benefit (110% of premiums paid if death occurs in first 2 years).

Guaranteed Issue Whole Life — Male (monthly) · 2-year graded benefit

Age	$10,000	$15,000	$25,000
50	$60.85	$90.27	$149.12
55	$66.72	$99.08	$183.48
60	$74.09	$110.14	$202.64
65	$98.83	$147.24	$271.07
70	$115.36	$172.04	$316.19
75	$162.95	$243.42	$445.94
80	$224.71	$336.07	$565.62

Guaranteed Issue Whole Life — Female (monthly) · 2-year graded benefit

Age	$10,000	$15,000	$25,000
50	$41.88	$61.81	$107.98
55	$50.61	$74.91	$139.53
60	$58.61	$86.91	$161.36
65	$72.22	$107.32	$198.51
70	$87.47	$130.20	$240.09
75	$125.96	$187.94	$345.09
80	$206.42	$308.62	$558.76

SimpliNow Legacy Max (Level) and SimpliNow Legacy (Graded) rates are not published on a static rate sheet. They are generated through the SimpliNow Quoter on the Connext agent platform and vary based on underwriting outcome, age, gender, tobacco status, and face amount. Level rates are significantly lower than the GIWL rates shown above for the same demographic. Call us for an exact, personalized quote.

Maximum face amount — SimpliNow Legacy Max (Level)

Issue age	Non-smoker	Smoker
50–60	$5,000–$25,000	$5,000–$25,000
61–70	$5,000–$30,000	$5,000–$30,000
71–80	$5,000–$35,000	Not available

Maximum face amount — SimpliNow Legacy (Graded) & GIWL

Issue age	Max coverage
50–80	$5,000–$25,000

Rates are subject to change without notice and may vary by state. Unisex rates available in Montana only. Not available to foreign nationals. Call us for an exact, personalized quote based on your age, health, and coverage needs.

Underwriting & health conditions ▼

Corebridge uses a multi-step health application for simplified issue (SIWL) with real-time database verification. Steps 1–5 are knockout questions — a “Yes” to any makes the applicant ineligible for any SIWL coverage. Sections A–D determine Level vs. Graded — “No” to all qualifies for Level (full day-one benefit); “Yes” to any routes to Graded (2-year waiting period). After questions are answered, a HIPAA-authorized database check validates responses in real time. If responses can’t be validated, the applicant is declined for SIWL and offered GIWL instead.

Steps 1–5 — Knockout triggers (any “yes” = not eligible for SIWL, offer GIWL instead)

Step 1 — Current status

Currently bedridden or confined to any hospital facility or skilled nursing facility; or receiving/advised to receive care in a nursing home, hospice, or home health care
Receiving assistance with activities of daily living (eating, bathing, toileting, dressing) due to a chronic or debilitating condition
Requires wheelchair, electric scooter, or oxygen equipment to assist breathing (excluding CPAP for sleep apnea) due to a debilitating condition
Diagnosed with a terminal illness expected to result in death within 12 months
Brain aneurysm or TIA in the past 6 months, or EVER had recurrent episodes of TIA (more than once)
Currently incarcerated in a prison or jail

Step 2 — Ever diagnosed, treated, or consulted for

Alzheimer’s disease, dementia, Huntington’s disease, sickle cell anemia, myelodysplastic syndrome (MDS), ALS/Lou Gehrig’s disease, mental incapacity, cirrhosis, quadriplegia, or paraplegia
HIV infection, AIDS, or AIDS-Related Complex (ARC)
Advanced or end-stage renal disease or need for dialysis
Bone marrow or organ transplant, or lymphoma
Metastatic or recurrent cancer of the same type (Stage III or Stage IV)
Amputation due to diabetic complications or hospitalization in the past 24 months due to diabetes
Heart failure or defibrillator device implanted
Suicide attempt

Step 3 — In the last 12 months

Stroke in last 12 months; or EVER had a stroke AND diabetes and/or coronary artery disease
Been declined for life insurance
Advised to have any medical procedure, surgery, or diagnostic test not yet started, completed, or results unknown (excluding routine screenings and HIV tests)

Step 4 — In the last 24 months

Specific aggressive cancers: brain, carcinoid/neuroendocrine tumor, esophageal, head or neck, leukemia, liver, lung, lymphoma, multiple myeloma, ovarian, pancreas, sarcoma, small intestine, stomach
Convicted of or pled guilty to DUI
Used non-prescription narcotics (excluding marijuana): amphetamines, hallucinogens, heroin, cocaine
Hospitalized MORE THAN ONCE for COPD, emphysema, or chronic bronchitis
Convicted of or pled guilty to a felony

Step 5 — In the last 36 months

Hospitalized for schizophrenia or a psychotic event

Sections A–D — Graded benefit triggers (any “yes” = Graded; all “no” = Level)

Section A — Ever diagnosed or treated for

COPD, chronic bronchitis (chronic cough)
Hepatitis B
Diabetes
Schizophrenia
Multiple sclerosis
Parkinson’s disease
Cardiomyopathy

Section B — In the last 48 months

Any autoimmune disease
Bipolar disorder (manic depressive disorder)
Chronic kidney disease (including chronic renal insufficiency)
Cancer (except non-melanoma skin cancer)

Section C — In the last 24 months

Coronary artery disease, heart attack, unstable angina (treated medically or with stents), or coronary bypass surgery
Aortic aneurysm
Stroke or brain aneurysm
Atrial fibrillation or irregular heart rhythm
Substance abuse (alcohol or drugs)

Section D — In the last 12 months

Unintentional weight loss in excess of 10 lbs

How the underwriting decision works

Application result	Outcome	What it means
“Yes” to any Step 1–5 question	Decline (SIWL)	Not eligible for simplified issue. Offered GIWL (guaranteed acceptance, 2-year graded) instead.
“Yes” to any Section A–D question	Graded	SimpliNow Legacy — 110% of premiums paid if death in first 2 years; full face amount after year 2. Full face for accidental death from day one.
“No” to all Steps 1–5 AND Sections A–D	Level	SimpliNow Legacy Max — full face amount payable from day one. All riders available.
Database cannot validate responses	Decline (SIWL)	Automatic decline regardless of answers. Offered GIWL instead.

Build chart (applies to both Level and Graded)

Height	Graded: Min	Graded: Max	Level: Min	Level: Max
4’8″	74	203	79	189
5’0″	85	232	90	217
5’4″	97	265	103	247
5’8″	109	299	116	279
6’0″	122	335	130	313
6’4″	136	373	145	348
6’8″	151	413	160	386
6’10”	159	434	168	406

The real-time database verification cross-references prescription history, MIB records, and medical records. Agents report the database check can occasionally decline applicants who appear to qualify based on their answers alone — there is no manual override or appeal for SIWL decisions. GIWL is always available as a fallback regardless of health status.

State availability ▼

Not available

Notes

Policies are issued by American General Life Insurance Company (AGL), Houston, TX. AGL does not solicit, issue, or deliver policies or contracts in the state of New York. In New York, Corebridge policies are issued by The United States Life Insurance Company in the City of New York — but the SimpliNow Legacy and GIWL final expense products are specifically not approved for sale in NY. Unisex rates available in Montana only. Products are not available to foreign nationals. Product features may vary by state.

Financial strength & trust signals ▼

A.M. Best rating	A (Excellent) — affirmed January 2026, stable outlook. Reflects strong operating performance and favorable business profile.
S&P Global rating	A+ (Strong) — insurance operating subsidiaries, stable outlook
Moody’s rating	A2 (Good) — insurance operating subsidiaries · Baa2 for Corebridge Financial, Inc. holding company
Fitch rating	A+ (Strong) — stable outlook
NAIC complaint index	Mixed: Policygenius reports 0.45 across all products (well below 1.0 average); other sources report elevated complaints for American General Life specifically. NerdWallet notes higher-than-expected complaint volume to state regulators for a company of its size.
J.D. Power	575 out of 1,000 — ranked 19 of 22 companies in the 2025 U.S. Life Insurance Study
Year founded	1919 (AIG parent) · 2022 (Corebridge Financial spun off as separate public company)
Headquarters	Houston, TX
Organization type	Publicly traded — NYSE: CRBG
Ownership	Nippon Life Insurance ~20% · Blackstone ~10% · remainder publicly traded. Formerly AIG Life & Retirement division (AIG sold majority stake).
Issuing company	American General Life Insurance Company (AGL), Houston, TX — wholly owned subsidiary of Corebridge Financial, Inc.
Assets	$393B+ (Corebridge Financial, Inc.)
Policyholders	~4 million life insurance policies in force
FE distribution	SimpliNow Legacy distributed exclusively through Transactional Markets Group (TMG), a division of Corebridge Financial

How to apply ▼

Application method: Through licensed, appointed agent only — electronic application (e-app) via Connext platform
E-app available: Yes — Connext is the gateway for both SIWL and GIWL e-applications. SIWL and GIWL are in the same e-app; agent selects product upfront. If SIWL is declined, system can pivot to GIWL in-session.
Phone: 800-294-4544 (general) · Agents: tmgsales@corebridgefinancial.com
Approval speed: Instant — SIWL underwriting decision in minutes at point of sale via real-time database verification. GIWL is automatic acceptance. Policy delivered via email; agent can print a copy.
Buy direct?: No — must go through a licensed, appointed agent. SimpliNow Legacy is distributed exclusively through TMG.
Payment methods: Bank draft (EFT) · Credit card · Debit card · Social Security debit card (Direct Express). Initial and recurring payments may be different methods. Payor can be different from insured.
Draft options: Draft on approval date, specific day of month (1st–28th), or specific week/weekday (e.g., 2nd Wednesday). Multiple configuration options.
Policy delivery: E-delivery (default) — policy delivered electronically. Paper mailing available on request.
Free look period: Level (SimpliNow Legacy Max): 10 days · Graded (SimpliNow Legacy): 30 days
Grace period: 31 days in all states; 60 days in California
Insured = Owner: Required — insured must be the owner. Payor may be a different person.
SSN required: Yes
Replacements: Replacements allowed on Level (SimpliNow Legacy Max). Application asks about existing life insurance/annuities in force.
Exclusions: Suicide within first 2 years — death benefit limited to refund of premiums paid less any outstanding loan amount

→ Go to Corebridge (AIG) company page

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CICA Life of America

CICA Life Insurance Company of America · Austin, TX

Policy snapshot

Product name	Superior Choice Whole Life
Policy type	Simplified issue (standard) & guaranteed issue
Coverage range	$1,000 – $30,000 (varies by age)
Issue ages	0 – 85
Waiting period	Standard: None · GI: 2-year graded
Medical exam	Not required
Health questions	8 simplified questions (may vary by state)
Premiums locked	Yes — never increase
Cash value	Yes
Build chart	None — no height/weight limits
Tobacco distinction	None — same rates for all
MIB check	No
Terminal illness rider	Included up to $15,000
Accidental death rider	SI: optional $5/mo · GI: Included
Dismemberment rider	Included
A.M. Best rating	B++ (Good) · stable outlook

Pros & cons

Pros

No build chart — zero weight restrictions
No tobacco distinction — smokers pay same rate
No MIB check — Rx verification instead
True guaranteed issue — nobody is declined
Bilingual apps & service (English + Spanish)
Accidental death benefit included free on GI

Cons

B++ A.M. Best — below top competitors’ A/A+ range
Entered final expense market in 2023 — limited FE track record
Lower max face at older ages ($10K cap at 71–85 for SI)
No extended term or paid-up insurance on GI product
Not available in 7 states (NY, CA, NJ, VA, MA, DE, ME)
GI graded benefit is standard, not exceptional

Palmetto Mutual’s assessment

Our assessment

CICA is a go-to carrier for clients who’ve been turned down or graded elsewhere. Their cancer underwriting is the most forgiving in the final expense market — if you’re cancer-free today, even if treatment just ended, you have a strong chance of qualifying for level coverage with no remission waiting period. They’re also exceptionally lenient with congestive heart failure, often approving day-one coverage where most competitors would impose a graded or modified benefit. There’s no tobacco question on the application and no build chart, which means smokers and overweight clients pay the same rates as everyone else. CICA won’t be the cheapest option for healthy applicants, but for the client who smokes, carries extra weight, or just beat cancer and needs coverage now, it fills a gap very few carriers can.

Sample rates ▼

CICA does not distinguish between tobacco and non-tobacco. Rates below apply to all applicants regardless of tobacco status. Based on 2025 Product Rate Card.

Standard issue — male (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$20,000
50	$33.89	$50.84	$67.78
55	$43.02	$64.53	$86.03
60	$55.22	$82.83	$110.43
65	$72.03	$108.05	$144.07
70	$102.51	$153.76	$205.02
75	$145.88	—	—
80	$207.35	—	—
85	$294.23	—	—

Standard issue — female (monthly) · day-one coverage, no waiting period

Age	$10,000	$15,000	$20,000
50	$31.42	$47.13	$62.83
55	$38.66	$57.99	$77.32
60	$49.14	$73.71	$98.28
65	$62.43	$93.65	$124.87
70	$83.55	$125.33	$167.10
75	$111.80	—	—
80	$152.46	—	—
85	$213.83	—	—

Guaranteed issue — male (monthly) · 2-year waiting period

Age	$10,000	$15,000	$20,000
50	$55.08	$82.61	$110.15
55	$56.49	$84.74	$112.98
60	$80.87	$121.30	$161.73
65	$115.76	$173.64	$231.52
70	$165.69	$248.54	$331.38
75	$194.03	—	—
80	$249.23	—	—
85	$331.39	—	—

Guaranteed issue — female (monthly) · 2-year waiting period

Age	$10,000	$15,000	$20,000
50	$52.50	$78.75	$105.00
55	$54.00	$81.00	$108.00
60	$76.14	$114.21	$152.28
65	$107.38	$161.06	$214.75
70	$151.40	$227.10	$302.80
75	$190.88	—	—
80	$245.18	—	—
85	$331.39	—	—

— = Exceeds max face amount for age band. Rates shown are based on the 2025 CICA Life rate card and may vary by state. For an exact quote, call us or use our free quoting tool.

Underwriting & health conditions ▼

CICA uses 8 simplified health questions (may vary by state). Answer “No” to all = Standard Issue (immediate full death benefit). Answer “Yes” to any = Guaranteed Issue (2-year graded benefit). Additionally, an integrated eligibility verification tool reviews the applicant’s prescription history to support underwriting decisions. No one is ever declined — everyone qualifies for one product or the other.

Conditions approved for standard issue (no waiting period)

Type 2 diabetes — if currently treated or medicated
High blood pressure — if currently treated or medicated
COPD / emphysema — if currently treated
Heart disease / cardiomyopathy — if currently treated
Congestive heart failure — if currently treated
Stroke / TIA — if currently treated
Kidney disease / renal insufficiency — if currently treated (not on dialysis)
Liver cirrhosis — if currently treated
Paralysis — if currently treated
Mild/temporary mental health conditions — if stable, no anti-psychotic meds, no hospitalization, no functional limitations, no co-existing disorders, no substance abuse history, no self-harm history
Basal cell or squamous cell skin cancer — excluded from cancer question

Conditions that trigger guaranteed issue (2-year graded)

Currently hospitalized, confined to bed, in nursing facility, assisted living, or hospice
Terminally ill or unable to care for oneself
HIV / ARC / AIDS
Multiple cancers, recurrent cancer, metastatic cancer, or currently being treated for cancer (excluding basal/squamous cell skin cancer)
Uncontrolled or untreated chronic conditions — diabetes, high blood pressure, stroke/TIA, paralysis, CHF, heart disease, cardiomyopathy, lung disease (COPD/emphysema), liver cirrhosis or failure, kidney failure/insufficiency, chronic/end-stage kidney disease including dialysis (within past 10 years)
Alzheimer’s disease, dementia, organic brain syndrome
ALS (Lou Gehrig’s disease), Huntington’s disease, muscular dystrophy
Cystic fibrosis, pulmonary fibrosis, multiple myeloma
Systemic lupus (SLE)
Mental disorders / brain or nervous system disorders (ever diagnosed, treated, or medicated)
Hospitalized 2+ times in the past 2 years
Pending tests, treatment, surgery, or hospitalization not yet completed (past 2 years)
Alcohol, drug, opioid, or controlled substance abuse treatment (past 2 years)
Felony or misdemeanor conviction for any reason (past 2 years)
Attempted suicide (past 2 years)
Advised to have organ transplant (past 5 years)
Mental health hospitalization, functional restrictions, disability, ECT history, multiple psych medications, suicide attempt/self-harm, co-existing mood disorders

Conditions that trigger decline

None. CICA does not decline any applicant. If you cannot qualify for Standard Issue, you automatically receive Guaranteed Issue coverage.

Source: CICA Life of America Agent Guide (2025), pages 13–15. Health questions may vary by state. Underwriting reserves the right to base eligibility on all risk factors presented.

State availability ▼

Available — 43 states (as of May 2025)

ALAKAZARCOCTFLGAHIIDILINIAKSKYLAMDMIMNMSMOMTNENVNHNMNCNDOHOKORPARISCSDTNTXUTVTWAWVWIWY

Not available — no state license

CADEMEMANJNYVA

Note: Utah offers Standard Issue (English) only. Wisconsin offers Standard Issue only (English). Spanish-language applications available in most other states for both SI and GI. Contact cps@citizensinc.com for current availability.

Financial strength & trust signals ▼

A.M. Best rating	B++ (Good) — affirmed Aug 2024, stable outlook
BBB rating	Verify directly with BBB — conflicting third-party reports
Year founded	1965 (incorporated); FE market entry 2023
Headquarters	Austin, TX
Parent company	Citizens, Inc. (NYSE: CIA) — 55+ years, publicly traded

How to apply ▼

Application method: Online via Agent Portal, phone (tele-sales), or face-to-face
E-app available: Yes — all apps via online portal
Approval speed: Instant to same-day (most applications)
Buy direct?: No — must go through a licensed agent
Free-look period: 30 days
Phone (support): 737-289-4670
Phone (claims, EN): 737-530-0337
Phone (claims, ES): 737-530-0339
Policy delivery: Mailed via third party + digital Customer Portal

→ Go to CICA company page

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Side-by-Side Rate Comparison

Final expense insurance rates can vary a lot — even for the same person.

Two companies can review the same applicant and quote very different prices for the same coverage amount.

For example, the same 65-year-old applicant in the same health class could be quoted:

✅ $47 per month from one carrier
✅ $95 per month from another carrier

That is for the same $15,000 burial insurance policy.

At first glance, that may look like a difference of only $48 per month. But over time, the gap becomes much bigger.

Over a 20-year policy duration, that difference could mean paying roughly:

✅ $11,400 in lifetime premium with the lower-priced carrier
✅ $22,800 in lifetime premium with the higher-priced carrier

That is why a side-by-side rate comparison is one of the most important steps when shopping for funeral insurance.

No single carrier is the cheapest for every applicant. Your age, health profile, tobacco status, state of residence, and coverage amount can all change which company gives you the best rate.

The infographic below shows how much final expense insurance rates can differ across carriers for the same benchmark applicant profile.

Monthly Rate Comparison — 65-Year-Old Female, Non-Tobacco, $15,000 Coverage

Final expense insurance rate comparison chart showing monthly and annual premiums from 12 carriers for a 65-year-old non-tobacco female with $15,000 coverage, sorted lowest to highest. Transamerica offers the lowest rate at $59.35/month.

Rate notes: All rates shown are for each carrier’s flagship level-benefit or immediate-benefit final expense product with no waiting period.

Rates were calculated using:

✅ Carrier agent rate cards
✅ Each company’s published modal factor formula
✅ Live quote data when available

The pricing shown reflects the best available rate class, usually Preferred or Standard Non-Tobacco.

Tobacco rates and graded-benefit rates are higher. Those are shown inside each carrier’s individual profile above.

Final expense insurance rates can also vary by state. Rates may have changed since the original carrier rate cards were issued, so always verify pricing with a live burial insurance quote before buying a policy.

What the rate spread tells you: On this benchmark, the cheapest premium is $59.35 per month from Transamerica.

The most expensive is $119.40 per month from Colonial Penn.

That is almost exactly double the price for the same benchmark applicant:

✅ 65-year-old female
✅ Non-tobacco
✅ $15,000 of final expense coverage
✅ Immediate or level-benefit product

Even within the mainstream level-benefit final expense carriers, prices range from roughly $59 to $70 per month.

That is about a $10 monthly spread on identical coverage.

The difference is not because one company is “good” and another company is “bad.” Every carrier in this comparison carries a strong A.M. Best rating and has a reliable claim-paying history.

The price difference usually comes from things like:

✅ Underwriting class structure
✅ Company expense load
✅ Distribution model
✅ Independent agent versus captive agent sales
✅ TV-marketed direct response pricing
✅ How aggressively the carrier competes in the final expense insurance market

Two companies with similar financial strength can still quote a $10 to $60 per month difference on the same burial insurance policy.

That is why working with an independent final expense agent matters.

Instead of getting one quote from one brand, an independent agent can compare multiple carriers in one sitting and help you find the company that fits your age, health profile, state, and budget.

Which Company Is Best for Your Health Situation?

Your health history is the biggest factor in choosing the right final expense insurance company.

It matters even more than your age, your state, or your budget.

Why?

Because every carrier asks different health questions and uses different underwriting guidelines.

The same applicant can get very different results from one company to the next.

For example:

✅ A person with controlled Type 2 diabetes may qualify for immediate, full day-one burial insurance coverage with one carrier, but only a two-year graded waiting period with another.

✅ Diabetic neuropathy may be a knockout question at some companies, while other carriers may not ask about it at all.

✅ A heart attack from five years ago may qualify for immediate coverage with a carrier that uses a 24-month lookback period, but trigger a graded benefit with a carrier that uses a 60-month lookback period.

✅ A history of cancer in remission, COPD, blood thinners, depression, sleep apnea, or a recent hospitalization can all lead to different underwriting outcomes depending on the company reviewing the application.

This is where shopping for final expense insurance stops being about brand recognition, TV commercials, or mailers.

It becomes about finding the carrier whose underwriting rules match your specific health profile.

A funeral insurance policy that pays immediately at one company could come with a two-year waiting period — or even an outright decline — at another.

The condition-to-carrier routing guide below is based on eight-plus years of placing final expense policies and walking applicants through the underwriting questions used by the ten carriers reviewed earlier on this page.

For a deeper review, use the Final Expense Health Assessment Tool on the Palmetto Mutual hub page.

It walks through your:

✅ Full health history
✅ Prescription list
✅ Recent hospitalizations
✅ Major medical events
✅ Tobacco status
✅ Coverage needs

Then it returns a personalized carrier match list instead of only showing a static summary.

That is the same type of underwriting logic an independent final expense agent would use on the phone.

Companies We Don’t Recommend (And Why)

Not every final expense insurance company is a good value.

Some of the most recognizable names in the burial insurance market are also some of the weakest options when you compare them side by side.

These are often the companies you see advertised during:

✅ Daytime news programs
✅ Game shows
✅ Senior-focused TV blocks
✅ Direct-mail campaigns
✅ “No medical exam” commercials

The problem is not that these companies are unknown.

The problem is that many of them rely heavily on brand recognition instead of offering the strongest combination of price, coverage, underwriting, and policy terms.

When you compare these heavily advertised final expense companies against the ten carriers reviewed earlier on this page, the differences can be significant.

Some charge noticeably higher monthly premiums.

Some offer lower coverage limits.

Some use longer waiting periods.

Some provide less competitive value for the same age, health profile, and coverage amount.

That does not mean every TV-advertised burial insurance company is automatically bad. But it does mean seniors should be careful before buying a policy based only on a familiar name or a commercial they have seen for years.

The real question is simple:

How does that company compare against other final expense insurance carriers for your age, health history, state, and budget?

When you line up the monthly premiums, waiting periods, coverage caps, and underwriting rules side by side, the gap is usually easy to see.

Frequently Asked Questions

There is no single cheapest company for everyone. The lowest rate depends on your age, gender, health history, and whether you use tobacco. The same policy can cost $47 a month at one carrier and $95 a month at another, so comparing several companies side by side is the only way to find your best price.

Yes, very likely. Every final expense company has its own health questions and rules, so being declined by one carrier does not mean she will be declined by another. Some companies also offer guaranteed acceptance plans with no health questions at all, so almost everyone between ages 50 and 85 can get some form of coverage.

Companies that advertise heavily on television pay for that advertising through higher premiums and policies with built-in waiting periods. The carriers reviewed on this page are sold through independent agents instead of TV ads, which keeps prices lower and lets most healthy applicants skip the waiting period entirely.

No. Every company reviewed on this page uses simplified underwriting, which means no doctor visits, no blood work, and no urine sample. You answer a short list of health questions over the phone or online, and most applications get a decision the same day.

Most families pick between $10,000 and $25,000 in coverage, which is enough to pay for a funeral, burial or cremation costs, and any small bills left behind. The right amount depends on your funeral preferences and any debts you want covered, not on what the company tries to sell you.

About the Author

Dvir Mosche is an award-winning independent insurance agent and the founder of Palmetto Mutual, a trusted insurance brokerage specializing in Final Expense Life Insurance. Since entering the industry in 2017, he has been recognized multiple times as a top agent for his dedication to educating and assisting seniors in finding the proper coverage. His mission is to simplify the process, provide honest and personalized guidance, and ensure that every client gets coverage they can depend on for life.

Revanish Woodberry

2 days ago

I'm very happy that Dvir was able to help me consolidate my insurance. He answered all my questions. And did a great job.

Dale Lowery

3 days ago

I was trying to get more coverage for my life insurance and Dvir was able to get me more coverage for the same exact price I was paying. He is very knowledgeable and he answered all my questions.

Mary Locklear

5 days ago

I'm very happy with the job that Dvir did getting me coverage

James Davis

6 days ago

Dvir helped me get life insurance for my grandchildren and made the process very easy.

jenny oxendine

6 days ago

Dvir helped me get more life insurance coverage. He was very patient and knowledgeable. Highly recommended.

Alice Thomas

2 weeks ago

Dvir did a great job helping me get insurance.

Susan Gibson

3 months ago

Dvir help me out a lot. He combined both my life insurance policies into one policy. He explained everything clearly and made sure I felt comfortable with the changes. I feel much more organized and at ease knowing everything is in one place.

Mary Martin

3 months ago

Dvir helped me at a time when I really needed to get life insurance coverage. He was very professional and informative. He answered all my questions and made the entire process a lot easier than I expected. I'm very happy knowing that my family is now protected.

Charlie Brown

3 months ago

Dvir helped me increase my insurance benefits and I'm glad he did. He was able to get me more coverage for the same price I was paying. Very thankful he took the time to help me out 100 percent!

Thomas Benson

4 months ago

I had Dvir take a look at my life insurance and he ended up saving me money each month. He found a better option that still gives me the same coverage without overpaying. I'm really glad he helped me.