Our Founder and Owner

Randy VanderVaate is the Founder and Owner of Funeral Funds of America. You can reach Randy at (888) 862-9456.

Affordable 1st-Day Coverage:

  • Burial, cremation, funeral, or final expense needs.
  • Income replacement upon death
  • Business continuation for key persons
  • Put children through college in the event of death
  • Permanent lifetime income (annuities)
  • Mortgage protection – pay off all or part of a mortgage.

Background Info:

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About Funeral Funds of America

We are an independent national life insurance agency licensed in 50 states. Founded in 2008, our national headquarters are near Dallas, TX.

Our experienced agents will find the best insurance coverage for your budget.

Once approved, we will lock your low rates in for life, and your coverage will never go down or expire. If you want to add more coverage later, we can help you with that.

You pay nothing extra for our product and underwriting expertise and will always pay the lowest price each insurance company offers.

Funeral Funds of America has non-commissioned agents who will always provide you with the best service, support, and rates.

Our Specialty Is You


We offer only burial, cremation, funeral, or final expense life insurance with first-day coverage or benefits (no 2-year waiting period).


We help people 100% over the phone. No need for someone to come to your house and make purchasing insurance uncomfortable.

We Keep It Simple

What we do is easy to understand.

  • We specialize in 1st-day coverage or benefits
  • Your coverage starts from your first payment
  • Your rates will never increase
  • Your coverage will never decrease
  • You can add more coverage later if needed
  • Fast payment of death benefit occurs after claim approval

No Tricks, Scams, Deceptive Tactics

Agents or companies that offer “state-regulated life insurance programs,” $9.95 per unit plans, 2-year waiting period only policies, or temporary term life insurance will often say almost anything to sell you a policy.

Companies that engage in deceptive marketing and misleading advertising should never be trusted!

If an agent or company isn’t honest from their first contact with you, things won’t improve over time.

But it doesn’t have to be that way.

How To Apply And Get Approved

It takes about 11-13 minutes on the phone to determine your insurance needs and perform preliminary underwriting to see who will approve you for the lowest rates.

After that, It takes about 15 minutes on the phone with an insurance company to get you approved.

No money is needed to get you approved, and you can start your plan on any day of the month.

Most people prefer their monthly draft to coincide with their social security, retirement, or pension payday.

Who Is Not A Good Fit

There are three basic requirements for you to work with us.

  1. You must meet age requirements (determined by each insurance company)
  2. You must be a US Citizen or a Permanent Resident
  3. You must have a valid checking or savings account with a bank or credit union.

We do not accept clients with payment methods such as mailing in checks, paying with credit or debit cards, or paying with a government Direct Express card.

These payment methods have a high lapse rate because people forget to update their payment information after theft, loss, expiration, or replacement.

Offering permanent life insurance with a high-lapse payment method does not serve our clients at the highest level.

Compensation Transparency

Each insurance company must offer the same price to every contracted agent.

We receive commissions from our licensed and contracted insurance companies for providing our clients with honest advice, reliable service, and the most affordable rates..

That commission gets paid directly to our company; all our agents are non-commissioned employees. We do not allow agents to make recommendations based on how much commission we earn.

Our recommendations are based on who will approve you for 1st-day life insurance coverage or benefits at the lowest rates.

We only get paid for submitting quality business that we can verify is in the best interest of our clients.

This means you will never get a lower price from the same company by going with another company other than Funeral Funds of America.

We will never pressure our clients into buying something they don’t want or need.

Captive Life Insurance Companies

Some companies only sell their proprietary insurance products. These are called captive agents and captive agencies.

These insurance companies often sell policies that buyers find too expensive or unappealing because of waiting periods or other “fine print” restrictions.

We don’t work with or recommend working with captive life insurance companies.

Companies We Represent

Here is a list of insurance companies we have been licensed and authorized to help our clients with. Each insurance company is solely responsible for the life-long financial obligations for the products it issues.

Accendo Insurance Company
American General Life Insurance Company
American National Insurance Company
American-Amicable Life Insurance Company of Texas
Americo Financial Life and Annuity Insurance Company
Assurity Life Insurance Company
Christian Fidelity Life Insurance Company
Family Life Insurance Company
Gerber Life Insurance Company
Guarantee Trust Life Insurance Company
Independent Order Foresters
Liberty Bankers Life Insurance Company

Life Insurance Company of the Southwest
Lifeshield National Insurance Co.
Mutual Of Omaha Insurance Company
Oxford Life Insurance Company
PHL Variable Insurance Company
Protective Life Insurance Company
Pruco Life Insurance Company
Royal Neighbors of America
S.USA Life Insurance Company, Inc.
Savings Bank Mutual Life Insurance Company of Massachusetts
Trinity Life Insurance Company
United Home Life Insurance Company
United of Omaha Life Insurance Company

CALL NOW (888) 862-9456