As an independent brokerage, we shop from a curated roster of top-rated final expense carriers — so the policy you end up with is the one that actually fits your health, age, and budget, not the only one a captive agent could sell you.
A final expense policy is a promise your family will collect on — sometimes decades from now. That promise is only as strong as the company behind it. Every carrier we work with has been independently rated "A" or better by A.M. Best, the insurance industry's leading financial-strength ratings agency, and each has a multi-decade track record of paying claims on time.
A household name for more than 110 years, Mutual of Omaha's Living Promise is one of the most competitive simplified-issue final expense products on the market — with level and graded benefit options for a wide range of health profiles.
AIG's Guaranteed Issue product is a go-to for applicants with more serious health conditions — no health questions, no medical exam, acceptance guaranteed within the issue-age window. A graded death benefit applies in the first two years.
Americo consistently prices aggressively for healthier applicants, and their Eagle Premier series often delivers the lowest monthly premium for tobacco-free clients in their 50s and 60s looking for $10,000 – $30,000 of level, lifetime coverage.
Transamerica's Immediate Solution is a true simplified-issue whole life policy — day-one full death benefit for qualifying applicants, cash value accumulation, and premiums that never increase. A strong fit for clients who want coverage that works immediately.
Backed by the Gerber name and serving families for over 50 years, Gerber's Guaranteed Life product accepts any applicant age 50–80 regardless of health. A dependable fallback when other carriers decline to offer coverage.
Our appointments aren't limited to the carriers featured above. Depending on your state, age, and health history, we may shop additional A-rated carriers like Foresters Financial, Royal Neighbors of America, Liberty Bankers, and Prosperity Life to find the lowest monthly rate for your exact profile.
Every partner carrier holds an "A" or better rating from A.M. Best — the insurance industry's most respected financial-strength ratings agency. Stronger ratings mean a higher probability of paying claims on time, every time.
We track how quickly each carrier pays claims in practice — not just on paper. The carriers we lead with have consistent track records of paying beneficiaries within days of receiving required documentation.
Rates change, and no single carrier wins for every age, health profile, or state. We re-run quotes across all our partners each year so you always end up with the lowest monthly premium for the coverage you actually need.
| Carrier | A.M. Best | Issue Ages | Coverage Range | Best For |
|---|---|---|---|---|
| Mutual of Omaha | A+ | 45–85 | $2,000 – $40,000 | Healthy applicants wanting a household-name carrier |
| AIG (Corebridge) | A | 50–80 | $5,000 – $25,000 | Serious health issues — guaranteed acceptance |
| Americo | A | 50–85 | $2,000 – $30,000 | Tobacco-free applicants looking for lowest rate |
| Transamerica | A | 45–85 | $1,000 – $50,000 | Day-one full benefit + cash value growth |
| Gerber Life | A | 50–80 | $5,000 – $25,000 | Guaranteed-acceptance safety net |
Coverage amounts, issue ages, ratings, and product availability vary by state and are subject to change without notice. Final rates and eligibility are determined at the time of application by the carrier.
No single carrier wins for every age, health profile, or state. A 62-year-old tobacco-free applicant in Florida may get the lowest rate with Americo, while a 74-year-old with diabetes in Texas may do best with AIG's guaranteed-issue product. As an independent broker, we can shop across all of our partners in one sitting — a captive agent who works for just one company can't.
A.M. Best is the oldest and most widely recognized credit ratings agency focused exclusively on the insurance industry. A rating of "A" (Excellent) or "A+" (Superior) indicates the carrier has a strong ability to meet ongoing insurance obligations — in plain English, they're very likely to be around and paying claims decades from now.
No. Every carrier on this page offers a "no medical exam" final expense product. Most require a short list of yes/no health questions (simplified-issue); the remainder — AIG and Gerber — offer guaranteed-issue policies with no health questions at all. You'll never need a blood draw, a doctor's visit, or a paramed appointment.
For the carriers on this page, most valid claims are paid within a few business days of the carrier receiving a certified death certificate and a completed claim form. Guaranteed-issue policies typically include a two-year graded benefit period during which the payout is limited to return of premium plus interest before full face amount is paid.
No. Every product we write is whole life insurance with level premiums — your monthly rate is locked in at the age and health class you qualify at, for the entire life of the policy. As long as you pay the premium, your coverage stays in force and the rate never increases.
No. PremierFinalExpense.com is an independent licensed insurance brokerage. We hold appointments with each of these carriers, which allows us to quote and place policies on their behalf, but we are not owned by or controlled by any single carrier. That independence is what lets us recommend the carrier that fits you best.
Get a side-by-side quote from every A-rated carrier we represent. Takes about 60 seconds — no medical exam, no obligation, no pressure.
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