Licensed · Independent · 8 States · 24+ Carriers

PROTECT
THE ONES
YOU love.

When you're gone, the last thing your family should face is a bill. I help people across 8 states find affordable final expense coverage that never expires.

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Licensed & Independent
MA · GA · AL · MI · TX · SC · OH · VA
24+ Top-Rated Carriers
$0 Advisory Fee
Free 15-Min Consultation
Final Expense Insurance

Coverage for end-of-life costs

Final expense insurance, also called burial or funeral insurance, is a permanent whole life policy designed to cover the costs your family faces after you pass. Premiums are fixed, the policy never expires, and most plans require no medical exam.

The average funeral today costs between $7,000 and $12,000. Without coverage, that burden falls entirely on the people you love at the worst possible moment.

What it covers
Funeral, burial, or cremation costs
Outstanding medical bills
Credit cards and personal debts
Legal and estate settlement fees
Any remaining family expenses

No Medical Exam Required

Most final expense plans are simplified or guaranteed issue, with approval based on a few health questions rather than a physical exam. Pre-existing conditions are often accepted.

Premiums Fixed for Life

Once approved, your rate is locked. It never increases regardless of your age or health changes. Active as long as premiums are paid.

Paid Directly to Your Family

The benefit goes directly to your named beneficiary, typically income-tax-free, fast, and with no restrictions on how it's used.

Samuel Makarian Boston, Massachusetts
My Story

This Isn't Just
a Job for me.

When I was nine years old, my father passed away from a brain tumor and lung cancer. The grief was something I'll never fully describe. But because my father had a life insurance policy, my mother and I didn't lose our home on top of losing him.

That policy gave us stability when everything else was falling apart. I know exactly what it means to receive a life insurance benefit. I was the beneficiary. That single decision my father made is the reason I do this work.

As a licensed, independent producer, I don't work for any single carrier. I shop across 24+ companies to find you the best coverage for your situation and budget. I know the stakes are real.

Licensed Life Insurance Producer, Commonwealth of Massachusetts
Access to 24+ A-rated national final expense carriers
Personally a beneficiary of a life insurance proceed
No advisory fee. The carrier compensates me directly.
Why Work With Me

I Work for You, Not the Carrier

As an independent agent I'm not tied to one company. I shop your profile across 24+ carriers and present what fits, not what's easiest for me to sell.

Truly Independent

I represent you, not an insurance company. Access to 24+ carriers means real options tailored to your health profile, age, and budget.

No Advisory Fee

There's no charge for my services. The carrier compensates me at the same rate whether you buy through me or direct. Expert guidance at no added cost.

Personal Service

You work directly with me, not a call center. I'm here for the life of your policy, answering questions as your family's needs evolve.

Carriers I Work With

24+ Top-Rated Carriers

I compare options across all of these companies to find the plan that fits your situation.

AIGAmerican General
AIG / American General
A Rated · AM Best

One of the world's largest insurers. Competitive final expense rates with strong guaranteed issue options for a wide range of health profiles.

Transamerica
Transamerica
A Rated · AM Best

Subsidiary of Aegon with hundreds of billions in assets. One of the most recognized life brands in the U.S., operating since 1928.

Mutual of Omaha
Mutual of Omaha
A+ Rated · AM Best

Fortune 500 mutual company with $50B+ in assets. A+ rated and highly recognized for final expense and Medicare Supplement products.

Aflac
Aflac
A+ Rated · AM Best

Fortune 500, publicly traded (AFL). $100B+ in global assets. Streamlined final expense products with broad health acceptance criteria.

AetnaAccendo
Aetna / Accendo
A Rated · AM Best

Accendo is Aetna's dedicated final expense brand, now a subsidiary of CVS Health. Multiple health tiers available for complex health histories.

North AmericanCompany
North American Company
A+ Rated · AM Best

Part of Sammons Financial Group ($70B+ in assets). A+ rated by AM Best and S&P. A dominant IUL and final expense carrier in the IMO channel.

National LifeGroup
National Life Group
A Rated · AM Best

Vermont-based mutual holding company founded in 1848 with billions in assets. Strong presence in whole life and IUL products nationwide.

Americo
Americo
A Rated · AM Best

Kansas City-based, well-capitalized carrier strong in final expense and term products through the IMO/FMO channel. Accepts a wide range of health conditions.

ForestersFinancial
Foresters Financial
A Rated · AM Best

International fraternal benefit society with millions of members and billions in assets. Unique in offering non-insurance benefits like scholarships and grants to policyholders.

KC LifeKansas City Life
Kansas City Life
A Rated · AM Best

Publicly traded (KCLI on Nasdaq), founded in 1895. Multi-billion dollar company with a century of solid whole life and final expense products.

Assurity
Assurity
A Rated · AM Best

Nebraska-based B Corp certified mutual company founded in 1890. Broad product portfolio, strong policyholder service, and fair underwriting for seniors.

Royal Neighborsof America
Royal Neighbors of America
A Rated · AM Best

Fraternal benefit society founded in 1895 with billions in assets. Operates across most U.S. states with strong final expense and member benefit options.

Columbus Life
Columbus Life
A+ Rated · AM Best

Cincinnati-based subsidiary of Western & Southern Financial Group ($70B+ in assets). Tier-3 carrier with tier-1 parent stability and competitive whole life products.

AmericanAmicable
American Amicable
A Rated · AM Best

Texas-based carrier in the TruStage ecosystem. Well-regarded in the final expense IMO space for accessible underwriting and competitive premiums.

Gerber Life
Gerber Life Insurance
A Rated · AM Best

Highly recognizable consumer brand, subsidiary of Western & Southern. Guaranteed acceptance final expense coverage with no health questions for ages 50 to 80.

Illinois Mutual
Illinois Mutual
A Rated · AM Best

Peoria, IL mutual company founded in 1910. Primarily simplified issue life and disability products with solid regional presence and personalized service.

F&GFidelity & Guaranty
F&G Life
A Rated · AM Best

Des Moines-based, publicly traded (FG on NYSE), acquired by Brookfield in 2022. Growing quickly in the IMO space with competitive final expense and whole life products.

Lafayette Life
Lafayette Life
A+ Rated · AM Best

Part of Western & Southern Financial Group. Conservative whole life product lineup with strong parent company stability behind every policy.

Baltimore Life
Baltimore Life
B+ Rated · AM Best

One of the oldest carriers in the U.S., founded in 1882. Regional niche focus on final expense products for seniors with long-standing industry presence.

GTLGuaranteed Trust Life
Guaranteed Trust Life
A Rated · AM Best

Glenview, IL specialty carrier focused almost entirely on the senior market. Long-established in supplemental and final expense products through the IMO channel.

Trinity Life
Trinity Life
B++ Rated · AM Best

Wichita, KS carrier, part of the Citizens Inc. family. Primarily final expense products distributed through the IMO channel with straightforward underwriting.

Elco Mutual
Elco Mutual Life
B++ Rated · AM Best

Elgin, IL mutual company primarily focused on small face-amount final expense whole life policies. Regional carrier with a specialized senior market niche.

Fidelity Life
Fidelity Life
A Rated · AM Best

Chicago-based specialty carrier focused on digital and phone-based sales. Known for fast-issue term and final expense products with quick online approval.

Sentinel SecurityLife
Sentinel Security Life
B++ Rated · AM Best

Salt Lake City specialty carrier well-known in the senior market IMO channel. Focused final expense product lineup with a long track record in the niche.

AM Best ratings are subject to change. Verify current ratings at ambest.com.

Licensed in Massachusetts Georgia Alabama Michigan Texas South Carolina Ohio Virginia
How It Works

From First Call
to covered.

Simple, fast, no pressure. Most people are approved within days.

01

Free Consultation

15–20 minutes about your goals, family, and budget. I ask a few health questions to identify which carriers you'll qualify for.

02

Compare Options

I run quotes across multiple carriers and walk you through them side-by-side: coverage amounts, premiums, and any waiting periods, in plain English.

03

Easy Application

I handle the paperwork. Most final expense applications are phone or online-based and take under 20 minutes. No exam to schedule.

04

You're Protected

Coverage starts, your family is protected. I stay in touch for annual check-ins and any updates throughout the life of your policy.

Questions

What People Ask Me

It's a whole life policy that pays a cash death benefit directly to your beneficiary, covering funeral and burial costs, medical bills, outstanding debts, and other expenses. Your beneficiary can use the funds however needed.

Most plans are available for individuals aged 50 to 85 with no medical exam. Approval is based on a few health questions. Even with pre-existing conditions, options exist, including guaranteed issue plans with no health questions at all.

Premiums vary by age, gender, health, state, and coverage amount. During our consultation I'll run personalized quotes from multiple carriers so you can compare actual rates. No cost or obligation.

No. Final expense policies are whole life insurance — your premium is locked at the rate you're approved for and never increases, regardless of age or health changes. Coverage never expires as long as premiums are paid.

Every carrier underwrites differently. A condition that disqualifies you at one may be accepted at another. Many guaranteed issue plans also exist regardless of health history. Let's talk.

Direct means one company's rates. I compare options across 24+ carriers and present what matches your profile and budget. My services don't cost you anything extra. The carrier compensates me at the same rate either way.

Schedule a Call

Let's Find Your Plan

15–20 minutes, no pressure, completely free. I'll compare options from multiple carriers and explain exactly what you're looking at.

Open Scheduling Page
15–20 minutes
Phone or video
No cost
Prefer email? smaklifeinsurance@gmail.com

DON'T
LEAVE A
bill behind.

You don't get to choose when your time is up. But you can choose to be prepared. Let me help you make that decision for your family today.

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