Final Expense

Final Expense is generally considered to be low face amount death benefit coverage that provides a benefit for final expenses.  The three carriers below all offer products that are viable options.  No two carriers products are alike.  Please reach out to us to help you understand the differences in the products.  Please call Denise Joachim: Direct Dial (504) 826-8842.

 

ASSURITY:

Assurity Acci-Flex: alternative for uninsurable life and DI prospects.  One health question AND same-days issue for most E-Apps

*  Issue ages 18 – 60 (Age last) / Benefit Amounts  $50,000 – $350,000

Assurity Product Portfolio

Assurity Acci-Flex Unit Rates    – MUST have health insurance license to sell this product.

Assurity Tele-App Consumer Flyer

Assurity- Trust- Financials Brochure

 

 

 

TRANSAMERICA:

Final Expense: Whole Life, non-med- best used for SMOKERS and higher DB/ Application does NOT ask if they are a SMOKER

 

Transamerica NEWER Final Expense Solutions Products below:  These offer a Preferred Risk Class.

Final Expense Spec Sheet

Final Expense Product and Underwriting Guide 

Final Expense Premiums at a Glance

Final Expense Consumer Product Guide 

Final Expense Last Will Brochure

 

MUTUAL OF OMAHA: 

Product portfolio March 2018         Strong and Stable Consumer Brochure

  • Living Promise Whole Life (Final Expense): Level and Graded Plans, ages 45-85

Simplified Underwriting for face amounts of $2,000 to $40,000- Quick Policy issuance / Acceerated DB for Terminal Illness or Nursing home confinement rider

Accidental Death Benefit Rider

Living Promise Whole Life Consumer Brochure

*  Living Promise Premium Calculator

Living Promise Rate Sheet

Living Promise- What happens after the application is taken?

Apptical Brochure- The interview process

Guaranteed Advantage Accidental Death :   MUST have health insurance license to sell this product.  Must have United of Omaha license.

* This is a guarantee issue product.  No health questions on the application, no medical exam and no restrictions on the application.

* Issue ages 18 -70

* Benefit amounts 450,000 – $500,000

Guarantee Advantage Product Guide 

Guarantee Advantage Rate Sheet

Guarantee Advantage Rate Calculator

Guarantee Advantage Frequesntly Asked Questions

View Desktop Site