Final Expense


Final Expense

Final expense life insurance is a HUGE market and will continue to grow for many years to come with over 75 million baby boomers on the verge of retirement. On average, 10,000 of these baby boomers will be turning 65 each and every day over the next 20 years! The Final Expense market is the easiest market to learn. We want to encourage you, the Independent Agent, to become an expert in this field, and become successful in prospecting, presenting, and closing, which will ultimately give you financial independence. We will be right by your side mentoring you along the way until you have mastered the process. We invest in our agents who invest in themselves.


The median funeral cost in the U.S.


The number of residents over age 65 in 2016.


Residents age 65 and older expected to double by 2060.

Working Longer

23 % of Men and 15% of Women over 65 still working.

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Mortgage Protection

Tap into a market that is surging back into popularity. With millions of refinances and new home sales, Americans are interested in protecting their largest purchase with life insurance. With the introduction of living benefits, the mortgage protection market has become one of the fastest growing markets in the insurance industry. We will show you how to help people protect their greatest investment for the people they love the most, even when they don’t die. With the real estate market on the rise, now is the perfect time to get involved. We will help you get in front of people who need your help and who have the means to pay for the protection you will provide them. Learn how to write larger cases and earn larger commission checks while maintaining high persistent business quality.

Living Benefits

Living benefits can provide additional enhancements to life insurance policies that provide financial benefits in the event of critical illnesses, chronic illnesses, and terminal illnesses. Many of the carriers that offer these benefits do so through no-cost riders. It's life insurance you don't have to die to use. These living benefits can provide peace of mind for insureds during their life when they experience a disruption due to a major health event. We work with companies that offer living benefits that protect those moments in life when someone doesn't pass away. Statistically speaking, approximately 48% of foreclosures are caused by surviving a critical illness such as cancer, heart attacks or stroke, while only 3% of them are actually caused by death.


  • Households in the U.S. have NO life insurance.
  • 20% of households with kids have NO life insurance.


  • Households have a coverage gap or $200K on average.
  • 12 TRILLION in total market needs.


  • Households recognize they need more life insurance.
  • 70% of households with kids need more life insurance.

44 Percent

  • Of households have individual life insurance.
  • 40% need more life insurance and know it.

The difference between ordinary and extraordinary is that little EXTRA.

Life Insurance For Diabetics

We specialize in helping people diagnosed with diabetes and other pre-existing conditions get life insurance. One of our very first "Niche Markets", Life4Diabetes is still going strong. The need for life insurance for people with diabetes is at an all-time high. Statistics don't lie. Currently there are 30.3 Million people in the United States living with diabetes and an additional 84.1 million people with pre-diabetes (33.9% of adults 18 and older. Nearly HALF of adults aged 65 and older have pre-diabetes. This is a market that will be viable for many years. Knowing which carriers to place your clients with is extremely important.


There are currently 30.3 million with diabetes.


  • 23.1 million people currently diagnosed.


  • 23.8% of people with diabetes are undiagnosed.


  • People are estimated to have pre-diabetes.

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