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Listed further down on this page are company comparisons and underwriting tips.

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MOST COMMON FINAL EXPENSE COMPANIES (in alphabetical order):

  • AAA Life Insurance: EXPENSIVE, no health questions, 2-year waiting period only
  • AARP: Term Life, lower cost, 5-year price increases, cancels after age 80
  • AETNA (CVS Health): Low prices & great for overweight people & diabetics
  • Allstate: EXPENSIVE & strict underwriting
  • Assurant/American Memorial
  • Americo: EXPENSIVE & smoker rate program not recommended
  • American Amicable: Moderate rates, good smoker rates
  • AIG/American General: EXPENSIVE, no health questions, 2-year waiting period only
  • Christian Fidelity: In-person application only
  • Family Benefit: Low prices, fast & easy underwriting, great for diabetics
  • Farmers Insurance: EXPENSIVE & strict underwriting
  • Foresters: Moderate rates about 8% more expensive
  • Gerber: EXPENSIVE, No health questions, 2-year waiting period only
  • Globe Life: Term Life, lower cost, 5-year price increases, cancels after age 80
  • Great Western: EXPENSIVE, no health questions, 2-year waiting period only
  • Grange Insurance
  • Greek Catholic Union: Good pricing, limited state availability
  • Guarantee Trust Life: GREAT for CHF, COPD, & serious heart or health issues
  • Liberty Bankers Life: Niche carrier for specific health problems
  • Lifeshield Life Insurance Company
  • Lincoln Heritage: EXPENSIVE! Up to 40% more expensive & up to 3-year wait plan
  • Mutual Of Omaha: No same day approval, slower & more difficult underwriting
  • New York Life: Term Life, lower cost, 5-year price increases, cancels after age 80
  • Oxford Life: Good pricing, in-person application only
  • Pioneer Insurance Company: More expensive
  • Prosperity Life/SUSA: Niche carrier some health problems, good for seizures
  • Royal Neighbors Of America: Low prices & great for overweight people & diabetics
  • Security National Life
  • Sentinel Security
  • Standard Life And Casualty
  • State Farm: EXPENSIVE & strict underwriting
  • Transamerica: Slow & difficult underwriting = more declines
  • Trinity Life: Low prices, fast & easy underwriting, great for diabetics
  • TruStage: Term Life, lower cost, 5-year price increases, cancels after age 80
  • United Home Life: Moderate prices
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