No family should have to crowdfund a funeral. But every day, families do — because no one planned for a $12,000 goodbye.
The window for affordable coverage gets smaller every year. What's available today may not be available next year.
The average funeral costs $12,000–$15,000. Without coverage, that bill lands on your family — within days.
Most people who believe that are wrong. Guaranteed acceptance exists. No health questions. No exam.
One call. 15 minutes. You leave with a clear picture — whether you work with us or not.
No exam. No health questions. Guaranteed acceptance. Coverage for less than $1/day.
Most agents sell the smallest policy at the highest cost. We find the structure that gives your family more.
Results may vary. Individual coverage depends on health, age, and underwriting.
Age, health history, and coverage amount. No medical exam required for most applicants.
Most applications are approved the same day. Many within minutes.
A guaranteed benefit that covers funeral costs, medical bills, and whatever your family needs.
Final expense insurance through our carrier network is available for ages 50 to 85. Guaranteed acceptance means every applicant in this age range is approved — regardless of health history, pre-existing conditions, or medical history.
Correct. Guaranteed issue final expense insurance requires no medical exam, no blood draw, and no health questions. Your acceptance is guaranteed as long as you are within the eligible age range.
Most of our carriers pay claims within a few business days of receiving the claim paperwork. Unlike some older policies, there are no extended waiting periods for accidental death. For natural causes, there is typically a 2-year waiting period on guaranteed issue policies — after which the full benefit is paid immediately.
Yes. You can name any person — spouse, child, sibling, friend — as your beneficiary. There are no restrictions on who can receive the benefit, and they can use the funds for any purpose, not just funeral costs.
Final expense coverage can supplement existing coverage. If you have a $25,000 group or term policy that will expire at retirement, a final expense policy ensures your family maintains coverage for final costs regardless of what happens to other policies.
Whether you're looking for coverage or looking to build something meaningful — we're here.
Choose a time that works for you — no obligation, no pressure.
FIRST PILLAR LEGACY