...instruments to safeguard the people, and dreams that matter most.

Fully HIPAA Compliant Insurance CRM

Our Insurance CRM software is HIPAA compliant. LeadStream CRM encrypts your data so we keep your information safe.

Fully HIPAA Compliant Insurance CRM

Our Insurance CRM software is HIPAA compliant. LeadStream CRM encrypts your data so we keep your information safe.

Fully HIPAA Compliant Insurance CRM

Our Insurance CRM software is HIPAA compliant. LeadStream CRM encrypts your data so we keep your information safe.

Our Carriers Partners by the numbers:

1874 – 1907

Founded

Up to $ 0 Billion

Assets

Up to $ 0 Billion

Insurance in force

A Excellent - A+ Superior

A.M. Best Company ratings

Guaranteed Whole life insurance

  • Guaranteed acceptance for ages 45-85 (in NY, 50 -75).
  • Coverage $2,000 – $25,000 (in WA, $5,000 – $25,000) never reduced because of age or health
  • No medical exams or health questions to answer
  • Rates never increase.
  • Instant Coverage *. Application only include personal information, beneficiaries, payment, and signature.
  • Cash value that can be accessed in an emergency

*Exclusions and Limitations During the first two years, if you die from natural causes (any cause other than accidental), your beneficiaries will receive all premiums paid, plus 10%. After two years, the full benefit is paid for death due to all causes. For accidental death - independent of sickness and all other causes – full benefits are paid from the first day our policy is issued. (All benefits will be paid less any outstanding policy loan.)

Guaranteed Whole life insurance

  • Guaranteed acceptance for ages 45-85 (in NY, 50 -75).
  • Coverage $2,000 – $25,000 (in WA, $5,000 – $25,000) never reduced because of age or health
  • No medical exams or health questions to answer
  • Rates never increase.
  • Instant Coverage *. Application only include personal information, beneficiaries, payment, and signature.
  • Cash value that can be accessed in an emergency

*Exclusions and Limitations During the first two years, if you die from natural causes (any cause other than accidental), your beneficiaries will receive all premiums paid, plus 10%. After two years, the full benefit is paid for death due to all causes. For accidental death - independent of sickness and all other causes – full benefits are paid from the first day our policy is issued. (All benefits will be paid less any outstanding policy loan.)

Optional Concierge Service included at no additional cost.

When help is needed, 24/7 Advisors from “Everest Funeral Concierge” are one phone call away for:

Optional Concierge Service included at no additional cost.

When help is needed, 24/7 Advisors from “Everest Funeral Concierge” are one phone call away for:

  • Personalized funeral plan.

  • Compare and negotiate the best local prices.

  • Work with the insurance company to get monies to the beneficiary in as little as 72 hours after death.

  • Expert, online assistance with legal documents so you can put your wishes in writing

  • Help selecting a funeral home based on what you want

  • The secure storage of personal information.

Frequently Asked Questions:

Final Expense insurance is often recommended for seniors or retirees who want to ensure their funeral and other final expenses are covered without burdening their family. 

Once you purchase a Final Expense insurance policy, you pay premiums that do not increase over time. The policy accumulates cash value, and the death benefit is paid out to your beneficiaries upon your death.

 

Most Final Expense insurance policies do not require a medical exam. Instead, you may need to answer some health-related questions.

The cost of Final Expense insurance varies based on factors such as your age, health, and the amount of coverage you choose.

 

Yes, the death benefit from a Final Expense insurance policy can be used for any purpose.

Choosing a reputable insurer for Final Expense insurance is crucial to ensure you get the best coverage and service. Here are some steps to help you make an informed decision:

1. Research and Compare

Start by researching various insurance companies that offer Final Expense insurance. Look for companies with strong reputations and positive customer reviews.

2. Check Financial Stability

Ensure the insurer is financially stable. You can check their ratings with agencies like A.M. Best, Moody’s, or Standard & Poor’s.

3. Evaluate Coverage Options

Compare the coverage options offered by different insurers. .

4. Consider Customer Service

Good customer service is essential. Check if the insurer has a reputation for handling claims efficiently and providing good customer support.

5. Understand the Terms and Conditions

Carefully read the policy terms and conditions. Make sure you understand what is covered, any exclusions, and the process for filing a claim.

6. Seek Professional Advice

Consider consulting with a licensed insurance agent or financial advisor.

Save Today

Waiting to start coverage

costs you about 8%-12%

increase per year as you age.