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Are you looking for reliable final expense insurance coverage? At JB Insurance Brokers, we understand the importance of protecting your loved ones’ financial future. That’s why we offer comprehensive <a href=”/final-expense-whole-life/”>final expense whole life insurance</a> plans starting from $3,000 to $50,000+. If you have health concerns, our <a href=”/giwl-whole-life/”>guaranteed issue whole life insurance</a> requires no medical exam and provides immediate peace of mind.
As your <a href=”/about-us/”>trusted independent insurance agency</a>, we’ve spent over a decade helping families find affordable coverage. Our unique approach involves comparing rates from 70+ top-rated carriers to ensure you get the best value. Whether you’re interested in a <a href=”/final-expense-whole-life/”>final expense policy</a> or exploring <a href=”/indexed-universal-life/”>indexed universal life insurance</a> options, our team is here to guide you.
Don’t let rising rates catch you off guard – the sooner you secure coverage, the more affordable it becomes. Take advantage of our <a href=”/quote/”>instant quote tool</a> to compare rates in just 5 minutes, or <a href=”/contact/”>schedule a consultation</a> with our licensed Florida experts who can answer all your questions.
Ready to protect your family’s future? <a href=”/quote/”>Get your free quote</a> today and join thousands of satisfied clients who trust JB Insurance Brokers with their final expense insurance needs.
At JB Insurance Brokers, we offer final expense coverage from $3,000 to $50,000+, ensuring you can find a plan that fits your budget and needs. For those seeking immediate coverage, our guaranteed acceptance whole life insurance requires no medical exam.
As an independent insurance agency with over 10 years of experience, we represent more than 70 insurance carriers to find you the best rates. Our thousands of satisfied clients trust us because we prioritize their needs over any single carrier.
Ready to protect your family's future? You can get approved in minutes, not weeks. For as little as your daily coffee, you can secure coverage that ensures your loved ones won't face financial burden. Get an instant quote today and join the thousands who've secured their family's tomorrow.
Beyond final expense insurance, we offer comprehensive coverage options including Medicare plans, health insurance, and retirement planning solutions to ensure all your insurance needs are met under one trusted roof.
href="/final-expense-whole-life/">final expense coverage from $3,000 to $50,000+ independent insurance agency with over 10 years of experienceNobody likes to talk about the end of life, but planning ahead can save your family from financial stress during an already emotional time. Enter Final Expense Whole Life insurance—an affordable, straightforward solution designed to take the weight off your loved ones’ shoulders. Whether it’s covering funeral costs, paying off small debts, or simply leaving a legacy, this type of insurance is tailored for those who want to ensure their family won’t be left scrambling when the time comes.
In this article, we’ll break down everything you need to know about Final Expense Whole Life insurance, from how it works to why it might just be the perfect fit for you.
Final Expense Whole Life insurance, sometimes referred to as burial or funeral insurance, is a type of permanent life insurance. Unlike larger policies meant for income replacement or wealth accumulation, this coverage is specifically designed to handle smaller, end-of-life expenses.
Here’s a quick snapshot of what it includes:
Ages 50-80, your approval is guaranteed.
Rates never to increase. Coverage starts from
3,000 to 50,000
Schedule your call now
Still on the fence? Let’s dive into why Final Expense Whole Life insurance might be the right choice for you.
Funerals aren’t cheap. The average cost can range from $7,000 to $12,000, depending on your location and preferences. Add in other end-of-life expenses, and the total can climb even higher. This insurance ensures your family won’t have to dip into savings or take on debt to cover these costs.
Once your policy is approved, your premium is locked in for life. That means you’ll never have to worry about unexpected price increases down the line.
Unlike traditional life insurance, which often requires a lengthy underwriting process, Final Expense Whole Life insurance is quick and easy to secure. Many carriers don’t require a medical exam, and some even offer instant approval.
If you’re between the ages of 50 and 80 (or 50-75 in some states like New York), this insurance is specifically designed with your needs in mind. Whether you’re in perfect health or have a few medical conditions, there’s likely a plan that fits.
Depending on your health and preferences, there are three main types of Final Expense Whole Life insurance policies.
The cost of Final Expense Whole Life insurance depends on several factors, such as your age, gender, coverage amount, and health. Here’s a rough idea of what to expect:
Keep in mind that choosing a guaranteed issue policy or adding riders (like accidental death benefits) may increase your premium.
1. Who is eligible for Final Expense Whole Life insurance?
Most carriers offer coverage to individuals aged 50-80 (50-75 in New York), with no medical exam required. Guaranteed issue policies are available for those with health concerns.
2. Can my premiums increase over time?
Nope! Once approved, your premiums are locked in and will never go up.
3. How is the benefit paid out?
The death benefit is paid as a lump sum to your chosen beneficiary, who can use it for funeral costs, debts, or any other expenses.
4. What’s the difference between Final Expense and Term Life insurance?
Final Expense Whole Life insurance lasts your entire life and is designed for smaller coverage amounts. Term Life insurance, on the other hand, provides coverage for a set period and often requires a medical exam.
5. How soon can I get coverage?
Some carriers, like Mutual of Omaha or American Home Life, offer instant approvals. You could have your policy in hand within minutes!
When shopping for a policy, keep these tips in mind:
Final Expense Whole Life insurance is more than just a policy—it’s a promise to your loved ones that they won’t have to face financial hardship during a difficult time. With guaranteed premiums, easy approval processes, and coverage tailored specifically for seniors, this type of insurance is a smart and compassionate choice.
Don’t wait until costs rise or eligibility becomes an issue. Take the first step today by exploring your options and securing a policy that gives you and your family peace of mind. After all, planning for tomorrow is one of the greatest gifts you can give.
Adults age 50-80, your approval is guaranteed.
Rates never to increase. Coverage start from
5,000 to 25,000
Click the red schedule/book a call or get started to speak with a licensed insurance agent
We will gather your specific details and understand your needs to get you the plan that is best for you.
With the right insurance in place, you can focus on enjoying life's moments, knowing that your whole life coverage is reliable.
Over 10 years of experience ensuring clients make informed decisions tailored to their unique needs.
Prioritizing your interests over sales, ensuring that you receive the best possible advice and coverage
Ability to adjust your coverage as your life circumstances change, ensuring continuous protection.
No Health Questions—Guaranteed Approval
Below are the rates for guaranteed acceptance. So regardless of your health
conditions, we can get these rates approved no matter what!
Note: There are plans that don’t have a 2 year waiting period and have better rates than what is listed below if you can medically qualify.
Most Popular Option: $10,000
$10,000 in coverage option is the most popular choice for those seeking affordable premiums with reliable protection. This amount provides a solid foundation of coverage at a price most
clients can easily manage, giving peace of mind without stretching the budget.
Guaranteed Acceptance Coverage amounts by age (approved no matter what)
For Men
For Women
Chose the right whole life coverage that fits your budget.
Confirm basic info and your beneficiary. Confirm payment info, credit card and direct express Mastercard available.
If you apply online directly, a licensed agent will confirm your coverage and policy info.
Below are the rates for guaranteed acceptance. So regardless of your health
conditions, we can get these rates approved no matter what up to 25,000!
Note: There are plans that don’t have a 2 year waiting period and have better rates than what is listed below if you can medically qualify.
Most Popular Option: $10,000
$10,000 in coverage option is the most popular choice for those seeking affordable premiums with reliable protection. This amount provides a solid foundation of coverage at a price most
clients can easily manage, giving peace of mind without stretching the budget.
Guaranteed Acceptance Coverage amounts by age (approved no matter what)
For Men
| Age | $5,000 | $10,000 | $15,000 |
| 50 | $22 | $44 | $65 |
| 55 | $29 | $57 | $86 |
| 60 | $32 | $63 | $95 |
| 65 | $43 | $85 | $127 |
| 70 | $50 | $99 | $148 |
| 75 | $70 | $139 | $208 |
| 80 | $104 | $206 | $308 |
For Women
| Age | $5,000 | $10,000 | $15,000 |
| 50 | $17 | $34 | $51 |
| 55 | $22 | $44 | $65 |
| 60 | $25 | $51 | $76 |
| 65 | $31 | $62 | $93 |
| 70 | $38 | $75 | $112 |
| 75 | $54 | $108 | $161 |
| 80 | $88 | $176 | $264 |
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<li><a href=”https://jbinsurancebrokers.com/apply-now/”>Apply Online</a></li><li><a href=”https://jbinsurancebrokers.com/book-now/”>Book Now</a></li>
<li><a href=”https://jbinsurancebrokers.com/final-expense-whole-life/”>Final Expense Whole Life</a></li>
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<li><a href=”https://jbinsurancebrokers.com/giwl/”>Guaranteed Issue Whole Life</a></li>
Life insurance is an affordable way to ensure your family’s financial security if you are no longer there to care for them. It can assist with expenses such as mortgage payments, college tuition, final expenses, and more. There is whole life insurance, term life insurance, universal life (IUL, GUL, IULE), single premium whole life, and juvenile policies. We provide life insurance quotes to help you find the best life insurance for your needs. Whether you’re looking for life insurance for seniors, life insurance for kids, or life insurance for parents or young adults, we have options tailored for you. Speak to a licensed life insurance agent to go over your exact needs and find life insurance near you
Medicare is a federal health insurance program designed to provide coverage for individuals aged 65 and older, as well as certain younger individuals with disabilities. Medicare insurance for seniors offers a range of benefits to ensure you receive the healthcare you need, when you need it. Learn about the best Medicare insurance options and compare Medicare insurance providers to find the right fit for you. Understand what are 4 types of Medicare plans, including Medicare Part D, to help manage your insurance cost effectively
You want to out live your money. Annuities are a powerful financial tool designed to provide you with a steady stream of guaranteed income during retirement. They offer a range of benefits, including tax-deferred growth and the security of knowing you won’t outlive your savings.
Individual Health insurance mainly done through the ACA has many different ways that you can cover yourself and your family. We simplify the process of making your coverage options understandable so you know you limits. We can taylor your plan with gap plans that help pay the deductibles, and taylor a solution that meets each individual and families needs. From accident plans, hospital indemnity, short term medical, and the main ACA plans, we have your needs covered.
Long-Term Care Insurance is designed to cover the costs of extended care services, ensuring you receive the support you need as you age or if you develop a chronic illness or disability. It provides peace of mind by protecting your assets and ensuring you have access to quality care.
Critical Illness Insurance provides essential financial support when you are diagnosed with a serious health condition. It helps cover the high costs associated with severe illnesses, ensuring you can focus on recovery without the added stress of financial burdens.
As insurance brokers with over 10 years of experience, we understand the importance of finding the right medicare and life insurance coverage to meet your unique needs. One of the significant advantages of working with independent insurance brokers like us is the ability to shop multiple plans at once. This means we can compare over 70 insurance providers and various insurance options from numerous providers to ensure you get the best coverage at the most competitive rates. By evaluating different plans side by side, we help you make informed decisions without the hassle of researching and contacting each insurance company individually. Trust in our experience and dedication to guide you through the complex world of insurance. Schedule a consultation today and let us help you find the perfect coverage by shopping multiple plans at once
At JB Insurance Brokers, we believe in building relationships with our clients. We are committed to providing personalized service and expert advice. We take the time to understand your unique situation and tailor our services to meet your individual needs. Medicare can be a complex world, and educating our client’s retirement planning is essential to ensuring that the plans we recommend offer the best value and protection for you and your family. Life Insurance complements your retirement with tax advantages, and helps you outlive your money. Our experienced licensed agents are always available to answer any questions you may have and provide you with the support you deserve.
We understand that there can be a lack of trust in financial markets or advisors, often due to past experiences or general skepticism about investing. A financial planner’s job is to take your current assets and create a strategy to meet your future financial goals, which often involves varying levels of risk in the market. However, the market’s unpredictability can lead to unexpected losses, and with “loss aversion,” a 50% loss in your account would require a 100% gain just to break even—meaning losses and gains are not equal.
As an insurance agent, my job is to provide guarantees that protect your nest egg while still offering the potential for growth. Many annuities, for example, come with a 0% floor, ensuring that you never lose money due to market downturns. Whether you’re interested in Bonus Annuities, designed to maximize gains without risking losses, or Income Annuities, which guarantee a specific payout for life, these products take the risk off the table. This allows you to rest easy, knowing you’re protected from the ups and downs of the market.
It’s common to think that retirement is something to worry about later, especially when you’re young and focused on other financial goals. However, the earlier you start planning, the more time you have to grow your savings and take advantage of compounding interest. Starting now, even with small contributions, allows you to build a strong financial foundation and gives you more flexibility and options as you get closer to retirement.
Think of it like planting a tree—the best time to plant it was years ago, but the second-best time is today. By beginning your retirement planning now, you’re giving yourself the gift of time, which can make all the difference in reaching your financial goals with less stress down the road. Plus, with the right strategy in place, you can ensure you’re on track, no matter what life throws your way.
It's understandable to feel uncertain about how to afford an annuity when you already have a 401(k), IRA, or savings account. The good news is that you don’t need to come up with new funds to purchase an annuity. In fact, many people use their existing retirement accounts or savings to fund an annuity, ensuring a steady income stream in retirement.
In short, purchasing an annuity is often about strategically using the assets you already have to create a more predictable and secure income stream for your retirement.
We understand that the life insurance process can seem complicated, but with access to about 35 different life insurance carriers, we offer a range of options to fit your needs. From simplified issue products with instant decisions to fully underwritten policies that often provide better rates, we’ve got you covered. In fact, many fully underwritten carriers now offer instant decisions if you're honest about your health conditions. This means we can secure policies ranging from smaller amounts to over $1 million in coverage, often with an instant or 5-minute approval process.
According to Genworth’s 2023 study on long-term care costs, the average cost for a private room in a nursing home is approximately $108,000 per year, while a semi-private room costs about $94,000 annually. Over a lifetime, the average person can expect to pay around $190,000 for long-term care, which typically covers about two years of care. For home health care, the average annual cost of a home health aide is approximately $61,000.
Having helped many clients navigate this challenging area, and having personally dealt with it for my grandparents on both sides of my family, I can tell you there’s no easy way to handle these expenses once it’s too late. I’ve seen many people forced to liquidate assets to cover costs that could have been easily managed with an insurance policy. Most wealthy clients understand the value of leveraging insurance for long-term care, but we make it a priority to teach everyday clients how to afford this coverage as well, ensuring they are just as protected as the high-net-worth individuals.
If you want to stay at home rather than go into a nursing home, there are several insurance options that can help. Many long-term care insurance policies include benefits for in-home care, covering services like home health aides or homemaker assistance. Additionally, some policies allow you to have a family member certified and compensated as your caregiver. Short-term care insurance is another option that provides temporary coverage for in-home care, which can be ideal if you need help following an illness or surgery.
You can also consider life insurance policies with long-term care riders, which let you access your death benefit to pay for care at home. Finally, some nursing home plans include provisions for in-home care, ensuring you get the support you need while staying in the comfort of your own home. These options give you flexibility and peace of mind, allowing you to maintain your independence while receiving the necessary care.
This is a common concern when considering your plan options. However, if you're struggling with your current plan, you may be able to make adjustments to your base plan and add a gap plan or indemnity plan to fill the holes in your major coverage. Whether you're on Medicare or individual health insurance, there are options to lower the coverage on your main plan and add a gap or indemnity plan. This approach can help limit your out-of-pocket exposure and often save on annual premiums while still providing comprehensive coverage.
Even if you don’t visit the dentist frequently, dental insurance can still be a valuable investment. Regular dental check-ups and cleanings are essential for preventing more serious and costly issues down the line, like cavities, gum disease, or tooth loss. With dental insurance, these preventive visits are typically covered, helping you maintain your oral health and avoid expensive procedures in the future. Plus, if an unexpected issue does arise, having insurance can save you from significant out-of-pocket expenses.
Some plans do require waiting periods for major services, but there are newer plans available that don’t! If you currently have creditable coverage, some plans may waive the waiting period entirely. If you don’t have coverage right now, certain plans will still offer 20-25% coverage for major benefits right away. Additionally, by using a provider within your plan’s network, you can often save 50% or more on major services, even without tapping into your plan’s benefits for those services. This means you can start saving immediately just by being in-network, without having to worry about waiting periods.
This is a common concern when considering your plan options. However, if you're struggling with your current plan, you may be able to make adjustments to your base plan and add a gap plan or indemnity plan to fill the holes in your major coverage. Whether you're on Medicare or individual health insurance, there are options to lower the coverage on your main plan and add a gap or indemnity plan. This approach can help limit your out-of-pocket exposure and often save on annual premiums while still providing comprehensive coverage.
Many people believe that life insurance premiums are unaffordable, especially if they are on a tight or fixed budget. This misconception can prevent them from exploring affordable options that fit their financial situation. We have affordable options for all ages with both permanent and term. By shopping various companies at once we can find the lowest option for you.
Younger individuals often feel invincible and may not see the immediate need for life insurance. However, coverage is based on your age and current health condition, so locking in a policy now can cost you significantly less—pennies on the dollar compared to what it might cost in the future. When—not if, but when—you develop a health condition, you may no longer qualify for the coverage you could secure today.
Many employers offer life insurance as an added benefit, typically up to $50,000 or your current salary amount. While this is a nice perk, it's often a one-year term policy that renews annually, and you can't take it with you if you leave your job. Additionally, as you age or if you develop a health condition, obtaining new coverage can become much more expensive. If you can afford it, locking in a personal policy now will save you in the long run, providing higher and more stable coverage that lasts beyond your current employment.
It’s understandable to be concerned about the cost, but skipping health insurance or Medicare could end up costing you more in the long run. There are a variety of plans available, many with subsidies or financial assistance to help make premiums more affordable. Or we can add a gap plan or indemnity plan that helps you fill the holes in your major plan. By working with an experienced agent, we can find a plan that fits your budget while still providing the coverage you need. Investing in your health now can protect you from significant medical bills later
While it’s great that you’re healthy now, life can be unpredictable. Health insurance and Medicare are about more than just routine care—they protect you from the high costs of unexpected illnesses or accidents. Without coverage, even a minor health issue could lead to significant financial strain. By enrolling now, you ensure that you’re covered for any situation, giving you peace of mind no matter what happens.
The process can seem overwhelming, but you don’t have to navigate it alone. As experienced insurance agents, we’re here to guide you every step of the way. We’ll simplify the options, explain the benefits, and handle the paperwork for you. Our goal is to make the enrollment process as straightforward and stress-free as possible, so you can get the coverage you need without the hassle.
Having existing coverage is a good start, but it’s important to review whether that coverage fully meets your needs. Spouse’s plans or other sources may have limitations, such as higher out-of-pocket costs or restricted networks. We can help you compare your current coverage with available individual health insurance or Medicare options to ensure you’re getting the best possible protection. In many cases, supplemental coverage can provide the additional security you need.
Your relationship with your doctors is important, and so is the quality of care you receive. When choosing a new plan, we prioritize ensuring that your preferred doctors are included in the network and that the plan meets your standards for care. We’ll work with you to find a plan that maintains your access to trusted providers while offering the comprehensive coverage you need.
Choosing between Medicare Advantage and Medicare Supplement can feel overwhelming, but it ultimately comes down to your personal health needs, lifestyle, and financial situation. Medicare Advantage plans often have lower premiums and include additional benefits like dental, vision, and prescription drug coverage, but they may have network restrictions and higher out-of-pocket costs.
On the other hand, Medicare Supplement plans typically offer more comprehensive coverage with fewer out-of-pocket expenses, allowing you to see any doctor who accepts Medicare. However, they usually come with higher premiums and don’t include extra benefits like prescription drug coverage.
As your insurance agent, I’m here to help you weigh the pros and cons of each option based on your unique circumstances. Together, we can assess your healthcare needs, budget, and preferences to find the plan that offers you the best balance of coverage and cost. My goal is to ensure you feel confident and secure in your choice, knowing that it’s tailored to your specific situation.
We here at JB offer a wide range of insurance products in all 50 states
Representing over 70+ carriers, JB is a trusted provider of insurance solutions for individuals and families. We have been helping give clients peace of mind with over a decade of experience, and a strong commitment to our clients. We strive to offer comprehensive coverage that meets your specific needs, not what’s the highest commision.
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We here at JB specialize in selling final expense life insurance in all 50 states.
Final Expense | Whole Life | Burial Insurance | End-of-Life Insurance
Representing over 70+ carriers, JB is a trusted provider of insurance solutions for individuals and families. We have been helping give clients peace of mind with over a decade of experience, and a strong commitment to our clients. We strive to offer comprehensive coverage that meets your specific needs, not what’s the highest commision.
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