Getting Covered Is
Quick & Easy

Our licensed agents will make the process smooth and easy. The application typically takes about 10 minutes to complete. You'll have your quote immediately, and most applicants are approved the same day.

No! Our final expense policies do not require a medical exam, blood work, or doctor's visits. Most applicants qualify regardless of their health history. This makes the process quick, easy, and accessible for everyone.

Coverage typically begins as soon as your first premium payment is received. Some policies have a short waiting period (usually 2-3 years for full benefits), but many of our plans offer immediate coverage. Your agent will explain the details of your specific policy.

Your beneficiaries will receive claim instructions along with the policy documents when you purchase coverage. They simply need to call our claims line or contact their agent, and we'll guide them through the process. Most claims are paid within 24-48 hours of receiving required documentation.

Yes! You can typically increase or decrease your coverage at any time by contacting your agent. Premium adjustments will be made accordingly. Keep in mind that increasing coverage may require additional health questions depending on the amount.

Many of our policies have a grace period if you miss a payment, and some offer reduced paid-up options if you can't continue paying the full premium. If you're struggling, contact us immediately — we'll work with you to find a solution before your coverage lapses.