Smart Final Expense Insurance
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Smart Final Expense Life Insurance A Wise Decision

Smart Final Expense Life Insurance A Wise Decision Smart Final Expense Life Insurance A Wise Decision Smart Final Expense Life Insurance A Wise Decision

Whole Life Insurance - The Key to Your Peace of Mind!

Contact Us

800-403-1921

Smart Final Expense Life Insurance A Wise Decision

Smart Final Expense Life Insurance A Wise Decision Smart Final Expense Life Insurance A Wise Decision Smart Final Expense Life Insurance A Wise Decision

Whole Life Insurance - The Key to Your Peace of Mind!

Contact Us

800-403-1921

About Us

Call Smart Final Expense for the cheapest insurance rates and best value for your budget!

  • We were first licensed in 2006 helping clients prepare for the unexpected or inevitable situation.  Final Expense Insurance is the remedy for those sleepless nights worrying about what your loved ones will have to face when you reach your last day on Earth. 
  • The SMART INSURANCE TEAM can access the most affordable insurance products so you can make the right choice for your budget. It's real easy and it takes about 30 minutes over the phone.  


    

A-Rated Carriers

We partner with some of the most respected A-Rated insurance carriers in the world. These insurance giants have paid out hundreds of millions of dollars in life insurance claims for over a hundred years. These plans are for burial or cremation and all other final expenses up to $50,000.  We are state licensed Life and Health/Accident Field Underwriters in:  Arizona, Alabama, Arkansas, Colorado, Florida, Georgia, Kansas, Missouri, Mississippi, Nebraska, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Wisconsin. 

The Value in What You Get

  • Premium Guarantee. Your premiums will never increase, regardless of your age or health.
  • Death Benefit Guarantee. Your death benefit will never decrease.
  • Guaranteed Cash Values. Your policy will build cash values that may be borrowed against.
  • Guaranteed Non-Cancellable. Your policy will never be canceled, as long as application questions are answered accurately and premium payments are kept current.
  • Your loved ones will not have to worry.

No Medical Exam - No Blood Test - Guaranteed Approval

Responsibility

  • When death occurs there are sacrifices that have to be made. Two sacrifices come to mind - emotional and financial. Only time and God can take care of the emotional side of losing a loved one, but we have to take care of the financial part. We have to ask ourselves this question - Is it easier to take care of this a little bit at a time, or is it easier to allow our loved ones to take care of the burden at the time of our death?
     

If Not Now, When?

  • We know when you’re on a limited income it’s tough. Most people we talk to every day live on a fixed income. What we have to realize and understand is that death is something that is certain. There are no ifs, ands, or buts. There comes a time in life where we have to take care of the inevitable. If you schedule an appointment on this page, we can get this done for you and the most important people to you.  
     

Frequently Asked Questions

Please schedule a time that's convenient for you on the link below.

Please remember, as an insurance brokerage we have the ability to shop for the best rate for you during our phone call.  People sure appreciate the peace of mind they have as a result.

Final Expense Insurance is the one insurance you should have if you don't have any life insurance currently.  Whole Life permanent insurance is the safest protection for a family.  Also, many people add a Final Expense Policy to a current life insurance portfolio to ensure inflation does not diminish the value of the total expected future payout.  It is intended to cover all of the insured's burial or cremation services and any other important payments to take the burden off of the family.  An insured can have multiple final expense policies because most carriers don't offer more than $50,000 per person.  That means you're able to get covered immediately at a comfortable premium, then add another small policy or two later.  These plans are not the big expensive ones; they are small affordable options that ensure the policy holder will have their desired proper send-off guaranteed.



We only work with carriers who have Final Expense Insurance options that focus on the highest value for the prospective client in the 40-90 age group.  Most people are on a fixed income and every dollar needs to be carefully considered.  An example is a Rider offered by a A-Rated carrier called the Nursing Home Waiver of Premium Rider.  It will cancel all future premiums due when the policy holder has been in a nursing home for more than 90 days with the benefit remaining the same.  We are a state licensed underwriting group in Life and Health/Accident Insurance.

Whole Life or Term Insurance options should be considered when factoring future inflation into your existing life insurance portfolio.  Were future annual inflation rates considered when you enrolled in your current plan?    

Yes, the life insurance policies with all of our carriers cover coronavirus (COVID-19) deaths. Although the coronavirus is not explicitly mentioned in the policy contract, death from a pandemic is not considered an exclusion. This is still true even if customers traveled recently or have been exposed to someone with the virus. Once a policy is in force, life insurance companies are not allowed to change customers' health classification or premium.

Life insurance rates are not being impacted by the coronavirus. Insurance carriers are not treating this any differently than we would any other illness or travel advisory.

Our Final Expense Insurance options are SIWL (Simplified Issue Whole Life), Whole Life, and GAWL (Guaranteed Acceptance Whole Life); also Level Term Life and SITL (Simplified Issue Term Life). We're human beings assisting people in making important decisions regarding life insurance every day. We can't wait to share our industry knowledge and tailored options with you. We have children and grandchildren, too.  NPN License # 8764840 (See 19 states above)

Contact Us

Office@FinalExpenseSmart.com or 800-403-1921

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We encourage you to book a phone call with the form above so we can explore the most affordable options for protecting those you care about from a financial issue when you leave this world.  We have children and grandchildren, too.  NPN License # 8764840 

Every day, people tell us we make it easy!

Smart Final Expense Insurance

800-403-1921

Hours

 Mon-Fri: 8 am - 6 pm


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