Final expense insurance companies primarily focus on providing policies designed to cover the costs associated with funerals and related expenses. This niche sector caters mostly to seniors and often allows for coverage without medical exams. With an increasing aging population, more individuals are seeking this type of insurance to ensure their families are not financially burdened. Companies vary from small agent-driven firms to larger corporate entities, contributing to a healthy competitive environment that encourages product innovation and consumer-friendly service. The industry is moving towards a mix of digital platforms, facilitating easier access to policies and support services.


The companies featured here span different sizes and regions across the United States. Some, like American Income Life, employ thousands, while others, such as ORCA Life, are more intimate, with smaller teams. Founded from 1934 to 2020, these entities specialize in final expense and burial insurance, offering tailored policies to a growing population of seniors. Locations stretch from Michigan to Texas, highlighting the national coverage potential of these firms. Most companies operate primarily within the U.S., illustrating a strong market focus on domestic needs for end-of-life financial security.


Continue reading to discover more about the top final expense insurance companies.


Top 22 Final Expense Insurance Companies


1. Lincoln Heritage Life Insurance Company

  • Website: lhlic.com
  • Ownership type: Family Owned
  • Headquarters: Phoenix, Arizona, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1963
  • Headcount: 201-500
  • LinkedIn: lincoln-heritage

Lincoln Heritage Life Insurance Company, based in Phoenix, Arizona, has been a family-owned life insurance provider since its inception in 1963. The company specializes in final expense insurance, offering products that are specifically designed to cover funeral and burial costs. Their flagship offering, the Funeral Advantage program, allows individuals and families, particularly seniors, to secure coverage without the need for medical exams, making it accessible to a broader audience. Lincoln Heritage also emphasizes customer support through the Funeral Consumer Guardian Society, which aids families in navigating the complexities of funeral planning and cost management. This commitment to service and specialization in final expense insurance has solidified their position in the industry, catering to the needs of those looking to alleviate the financial burden associated with end-of-life expenses.


2. Final Expense Direct

  • Website: finalexpensedirect.com
  • Ownership type: Private
  • Headquarters: Houston, Texas, United States (USA)
  • Employee distribution: United States (USA) 85%, Pakistan 15%
  • Founded year: 1984
  • Headcount: 11-50
  • LinkedIn: finalexpensedirect

Final Expense Direct, based in Houston, Texas, is an insurance agency that specializes in final expense insurance, burial insurance, and life insurance. Founded in 1984 by Kim and Ellen Jo Wilhelm, the company has over 40 years of experience in the industry. They cater primarily to seniors and their families, helping them secure affordable insurance options to cover funeral and end-of-life expenses. The agency connects clients with licensed agents who assess individual needs and provide tailored quotes from a variety of top-rated insurance companies. Notably, Final Expense Direct was the first agency to offer final expense insurance over the phone, starting this service in 2007. Their commitment to customer service is reflected in their ongoing support and live customer service representatives. The company is also a member of the U.S. Chamber of Commerce and the National Ethics Association, further solidifying their reputation in the industry. They are licensed in 49 states and the District of Columbia, serving tens of thousands of customers nationwide.


3. Family First Life

  • Website: familyfirstlife.com
  • Ownership type: Corporate
  • Headquarters: Montville, Connecticut, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: March 2020
  • Founded year: 2013
  • Headcount: 1001-5000
  • LinkedIn: family-first-life

Family First Life, founded in 2013 and based in Montville, Connecticut, is an insurance agency that specializes in life insurance products, including final expense insurance. The company operates through a network of independent contractor agents across the United States, emphasizing a personalized approach to insurance. Family First Life offers a range of services, including mortgage protection and indexed universal life insurance, but their final expense insurance is a key component of their portfolio. This type of insurance is designed to cover funeral costs and other end-of-life expenses, providing peace of mind to families. The company prides itself on its commitment to helping families secure their financial future, and it partners with top insurance carriers to offer a variety of options to clients. With a workforce of over 5,800 employees, Family First Life has established a significant presence in the insurance market, focusing on empowering agents through training and support. They have not reported any funding since 2020, indicating a stable operational model that relies on their existing resources and partnerships.


4. Senior Life Insurance Company


Senior Life Insurance Company, based in Thomasville, Georgia, is a private insurance provider that specializes in final expense coverage. Established in 2000, the company aims to offer affordable life insurance policies to individuals and families, ensuring financial protection against end-of-life costs. They operate primarily through a network of agents who assist clients in obtaining insurance without the need for medical exams, making their services particularly appealing to seniors. Senior Life Insurance Company has expanded its reach to over 40 states and Washington D.C., demonstrating a robust operational footprint. The company prides itself on its customer service, with a commitment to quick claims processing and support. Their innovative tools, such as the SLICE App for streamlined applications and the Leads the Way App for lead generation, reflect their focus on enhancing the agent and customer experience. With a workforce of around 1017 employees, the company continues to grow and adapt in the competitive insurance market.


5. ORCA Life

  • Website: orca.life
  • Ownership type: Private
  • Headquarters: Louisville, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2016
  • Headcount: 11-50
  • LinkedIn: orcalife

ORCA Life, founded in 2016 and based in Louisville, Kentucky, is a private insurance agency that specializes in final expense insurance. The company was established with a strong emphasis on family values and community respect, aiming to provide financial protection against the costs associated with end-of-life expenses. ORCA Life operates primarily through in-home consultations, allowing agents to assess individual insurance needs and offer customized solutions. The agency prides itself on its integrity and commitment to client service, focusing on the senior market. With a dedicated team and a clear mission, ORCA Life seeks to alleviate the financial stress that families may face during challenging times, ensuring peace of mind for their clients. The company has not reported any funding, indicating a self-sustained growth model.


6. Family Heritage Group

  • Website: fhginsurance.com
  • Ownership type: Family Owned
  • Headquarters: Middletown, Connecticut, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2002
  • Headcount: 51-200
  • LinkedIn: family-heritage-group

Family Heritage Group, founded in 2002 and based in Middletown, Connecticut, is a family-owned insurance agency that specializes in final expense insurance. The company is the exclusive representative of Lincoln Heritage Life Insurance Company and its Funeral Advantage product in New England. Family Heritage Group aims to provide affordable whole life insurance solutions designed to cover funeral costs, addressing a critical need for families. The agency operates with a strong commitment to agent support, offering training and resources to ensure their agents can effectively serve clients. With a focus on building long-term relationships and maintaining high policy persistency rates, Family Heritage Group has established itself as a significant player in the final expense insurance market, particularly in the New England region.


7. Golden Memorial Insurance Services


Golden Memorial Insurance Services, based in Chowchilla, California, is an insurance agency that specializes in burial and final expense insurance. Established in 1963, the company has built a reputation for providing affordable insurance plans aimed at covering funeral costs and other end-of-life expenses. They emphasize customer service, guiding clients through their options during difficult times. Golden Memorial Insurance operates in multiple states and has a network of agents dedicated to assisting families in planning for financial security in the face of loss. Their policies are designed to alleviate the financial burden associated with funerals, offering benefits such as cash payouts within 24 hours upon claim approval and fixed premiums that do not increase over time. The company has partnered with Lincoln Heritage Life Insurance Company to enhance its offerings, ensuring that clients receive reliable coverage. With a focus on accessibility and support, Golden Memorial Insurance continues to serve a vital role in the final expense insurance market.


8. National Guardian Life Insurance Company


National Guardian Life Insurance Company (NGL), established in 1909, is a private insurance provider based in Madison, Wisconsin. With a workforce of approximately 397 employees, NGL has built a reputation for offering a variety of insurance products, including life insurance, annuities, long-term care insurance, and specialty insurance products. The company is particularly focused on serving individuals and families, providing them with financial security and peace of mind regarding end-of-life expenses and healthcare needs. NGL's product offerings include preneed insurance, which is designed to cover funeral expenses, and other life insurance solutions that cater to estate planning and funeral planning. The company operates across 49 states and the District of Columbia, ensuring a broad reach in the market. NGL is committed to maintaining high standards of customer service and has a strong emphasis on building long-term relationships with its policyholders and partners. Their financial strength is underscored by an A (Excellent) rating from A.M. Best, reflecting a stable outlook and a commitment to fulfilling future obligations to policyholders.


9. Maximum Senior Benefits LLC

  • Website: maximumseniorbenefits.com
  • Ownership type: Corporate
  • Headquarters: Salem, Utah, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: June 2021
  • Founded year: 2011
  • Headcount: 11-50
  • LinkedIn: maximumseniorbenefits

Maximum Senior Benefits LLC, founded in 2011 and based in Salem, Utah, is an insurance agency that specializes in Medicare plans and Final Expense insurance. The company was established to address the growing need for these services among seniors, particularly as the Baby Boomer generation ages. With a team of 34 employees, Maximum Senior Benefits operates through a network of sales professionals who engage with clients to provide personalized insurance solutions. Their approach focuses on alleviating the financial stress associated with end-of-life expenses, ensuring that families can navigate these difficult times with greater ease. The company prides itself on building relationships with clients, taking the time to understand their unique needs and preferences. This client-centric model has allowed Maximum Senior Benefits to impact thousands of individuals across the United States, making them a relevant player in the final expense insurance market.


10. YOUR Insurance Group

  • Website: yourinsurancegroup.net
  • Ownership type: Corporate
  • Headquarters: Melbourne, Florida, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: October 2019
  • Founded year: 2013
  • Headcount: 501-1000
  • LinkedIn: your-insurance-group

YOUR Insurance Group, based in Melbourne, Florida, is an insurance agency that offers a variety of financial services, prominently featuring final expense insurance. Founded in 2013, the company has established itself as a resource for individuals and families seeking financial protection against unforeseen events. They provide a range of products including life insurance, mortgage protection, and annuities. The company prides itself on superior customer service, a streamlined application process, and quick underwriting turnaround times, typically within 24 to 72 hours. In 2019, YOUR Insurance Group was acquired by Integrity Marketing Group, a significant player in the insurance distribution space, which further solidifies its position in the market. The agency collaborates with a network of reputable insurance carriers, ensuring access to quality products for its clients.


11. GPM Life Insurance Company

  • Website: gpmlife.com
  • Ownership type: Private
  • Headquarters: San Antonio, Texas, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1934
  • Headcount: 51-200
  • LinkedIn: gpm-life-insurance-co-

GPM Life Insurance Company, based in San Antonio, Texas, has been providing life insurance solutions since its inception in 1934. Originally established to serve government personnel, the company has expanded its offerings to include a variety of life insurance products such as final expense, universal life, whole life, term life, and Medicare supplement insurance. GPM Life is particularly focused on final expense insurance, which is designed to cover funeral costs and other related expenses, ensuring that families are not burdened with financial stress during difficult times. The company prides itself on its quick policy issuance process and acceptance of applicants with minor health issues. With a dedicated team of insurance professionals, GPM Life aims to provide tailored solutions to federal employees, military personnel, individuals, families, and seniors, helping them secure financial protection for their loved ones. The company operates as a mutual entity, emphasizing its commitment to policyholders and long-term financial stability.


12. Howe Insurance Services, Ltd.


Howe Insurance Services, Ltd. is a private insurance agency based in Newark, Ohio, established in 1981. The company specializes in life insurance products, particularly final expense and funeral insurance, aimed at senior citizens. With a mission to provide financial peace of mind, Howe Insurance Services helps clients cover funeral costs and other final expenses, ensuring that families are not left with financial burdens after a loved one's passing. The agency is veteran-owned and has built a reputation for reliability, having issued and paid over one billion dollars in life insurance claims. They represent more than 100 different insurance programs, including well-known names like Aetna and Transamerica, which allows them to offer tailored solutions to their clients. Their commitment to customer service and understanding of the unique needs of seniors positions them as a significant player in the final expense insurance market.


13. Liberty Bankers Insurance Group

  • Website: lbig.com
  • Ownership type: Private
  • Headquarters: Dallas, Texas, United States (USA)
  • Employee distribution: United States (USA) 97%, South Africa 3%
  • Founded year: 1958
  • Headcount: 51-200
  • LinkedIn: liberty-bankers-life-insurance-company

Liberty Bankers Insurance Group, based in Dallas, Texas, has been a player in the insurance industry since its founding in 1958. The company specializes in a range of financial products, including life insurance, health insurance, and annuities, with a notable focus on final expense insurance. This product is tailored to help families manage the financial burden associated with end-of-life expenses, such as funeral costs and outstanding debts. Liberty Bankers operates through a network of insurance professionals, emphasizing a service-oriented approach that includes home visits for premium collection. This personal touch is particularly appealing to clients who value direct interaction. The company has grown through strategic acquisitions, enhancing its product offerings and market reach. Liberty Bankers is also recognized for its community involvement and commitment to customer service, which has helped it maintain a solid reputation in the insurance market.


14. Seattle Insurance Group

  • Website: seattleinsgroup.com
  • Ownership type: Family Owned
  • Headquarters: Tukwila, Washington, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2013
  • Headcount: 201-500
  • LinkedIn: seattle-insurance-group

Seattle Insurance Group, founded in 2013 and based in Tukwila, Washington, operates as an insurance brokerage specializing in a range of insurance solutions. The company serves individuals and families, guiding them through the complexities of insurance options to secure their financial futures. Their offerings include Medicare, life insurance, final expense plans, and retirement planning. With a team of experienced professionals, Seattle Insurance Group emphasizes personalized service tailored to the unique needs of each client. They represent a select group of reputable insurance carriers, allowing them to provide customized solutions. The firm has established a national division, SIG Insurance Brokerage, which extends their services beyond Washington, reaching clients across the United States. Their focus on final expense insurance highlights their commitment to addressing the financial burdens families face during difficult times.


15. AIG Direct

  • Website: aigdirect.com
  • Ownership type: Private
  • Headquarters: San Diego, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1995
  • Headcount: 51-200
  • LinkedIn: aig-direct

AIG Direct, established in 1995 and based in San Diego, California, operates as an insurance agency specializing in life insurance products. The company provides a variety of policies, including term life, whole life, and notably, final expense insurance. AIG Direct is part of the larger AIG organization, which is recognized globally in the insurance industry. The agency prides itself on delivering personalized service through licensed agents, helping clients navigate their options for financial protection. With a workforce of approximately 122 employees, AIG Direct has successfully assisted over six million individuals in finding suitable life insurance coverage. Their commitment to customer satisfaction is reflected in the positive reviews they receive, highlighting their effective support and competitive rates.


16. Senior Select Insurance Group

  • Website: seniorselectins.com
  • Ownership type: Corporate
  • Headquarters: Lagrange, Georgia, United States (USA)
  • Employee distribution: United States (USA) 97%, Georgia 3%
  • Latest funding: February 2019
  • Founded year: 1995
  • Headcount: 51-200
  • LinkedIn: senior-select-insurance

Senior Select Insurance Group, based in LaGrange, Georgia, is an insurance agency that specializes in final expense insurance tailored for seniors aged 50 to 85. Founded in 1995, the company has built a reputation for providing whole life insurance policies that help clients manage the rising costs associated with funerals and other final expenses. With a focus on affordability, Senior Select offers plans that do not require physical examinations, allowing for immediate first-day coverage in many cases. The agency has over 100 representatives primarily located in the Southeastern United States, ensuring prompt and courteous service. In 2019, Senior Select was acquired by Integrity Marketing Group, a significant move that has likely bolstered its resources and market reach. This partnership allows Senior Select to leverage Integrity's extensive distribution network and expertise, further solidifying its position in the final expense insurance sector.


17. First Generation Life

  • Website: firstgenlife.com
  • Ownership type: Private
  • Headquarters: Burlington, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2008
  • Headcount: 201-500
  • LinkedIn: theerichowardgroup

First Generation Life, based in Burlington, North Carolina, is a private insurance agency founded in 2008. The company specializes in a range of financial services, prominently featuring final expense insurance, which is designed to cover funeral and burial costs. They also offer mortgage protection, indexed universal life policies, and retirement planning services. With a mission to help families build and leave a lasting legacy, First Generation Life aims to break cycles of financial instability. They have expanded their reach beyond North Carolina, serving clients across the United States. The company prides itself on its customer-centric approach, claiming to assist over 10,000 clients each year, and emphasizes ease of qualification for their insurance products. Their team is dedicated to providing tailored solutions to meet the unique needs of their clients, ensuring that financial security is within reach for many.


18. Everdays

  • Website: everdays.com
  • Ownership type: Venture Capital
  • Headquarters: Southfield, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: Seed, $12.0M, January 2019
  • Founded year: 2017
  • Headcount: 11-50
  • LinkedIn: everdays-inc.

Everdays, founded in 2017 and based in Southfield, Michigan, is an insurance provider that focuses on end-of-life planning and financial services for individuals aged 50 and older. The company offers a range of products, including final expense and life insurance, designed to alleviate the financial burden associated with end-of-life expenses. Everdays operates primarily through a digital platform, which streamlines the process of obtaining insurance and planning for future needs. This platform allows customers to customize their coverage, allocate funds for specific expenses, and share their plans with family members, ensuring that their wishes are honored. The company has received $12 million in funding, reflecting strong investor interest in their innovative approach to insurance. Everdays aims to provide peace of mind to its clients by making end-of-life planning straightforward and accessible, thus addressing a critical need in the market.


19. American Income Life Insurance Company

  • Website: ailife.com
  • Ownership type: Corporate
  • Headquarters: Waco, Texas, United States (USA)
  • Employee distribution: United States (USA) 93%, Canada 5%, Other 1%
  • Latest funding: November 1994
  • Founded year: 1951
  • Headcount: 5001-10000
  • LinkedIn: american-income-life

American Income Life Insurance Company, headquartered in Waco, Texas, has been a significant player in the insurance sector since its inception in 1951. The company specializes in life and supplemental health insurance products, primarily targeting working families, labor unions, and associations. AIL's mission is to protect families from financial difficulties that can arise from unexpected events, such as death or illness. With a workforce of over 8,700 employees, AIL operates primarily in the United States, with a smaller presence in Canada and New Zealand. The company is a wholly owned subsidiary of Globe Life Inc., an S&P 500 company, which adds to its financial stability. AIL has consistently earned high financial strength ratings, indicating its ability to meet policyholder claims. In 2023, AIL paid out over $280 million in life insurance claims, demonstrating its commitment to fulfilling its obligations to policyholders. The company also engages in community involvement, supporting various charitable initiatives and advocating for workers' rights, which reflects its dedication to the communities it serves. AIL's Final Expense Program specifically addresses the financial needs associated with funerals and final arrangements, making it a relevant option for consumers seeking this type of insurance.


20. Gulf Guaranty


Gulf Guaranty Life Insurance Company, based in Jackson, Mississippi, has been a fixture in the insurance industry since its founding in 1970. The company specializes in various types of insurance, including credit insurance, collateral protection insurance, and notably, final expense insurance. Gulf Guaranty aims to serve community banks and families, helping them navigate the financial challenges that arise from loans and funeral costs. Their final expense insurance products have been in place since 2003, providing families with the necessary funds to cover funeral expenses, which can average over $8,500. The company prides itself on its customer service, ensuring that clients can always reach a live representative and receive prompt assistance. Gulf Guaranty markets its final expense products through funeral homes and independent agents, highlighting their commitment to providing hassle-free claims service and competitive premiums. With a small team of dedicated professionals, Gulf Guaranty continues to foster long-term relationships within the financial services sector, reflecting their focus on community and customer care.


21. Premium Choice Media

  • Website: premiumchoice.com
  • Ownership type: Private
  • Headquarters: Los Angeles, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2020
  • Headcount: 51-200
  • LinkedIn: premium-choice-media-company

Premium Choice Media, founded in 2020 and based in Los Angeles, California, is a private insurance company that specializes in life and Medicare health insurance. The firm primarily targets seniors, offering final expense life insurance and Medicare plans designed to alleviate the financial burden associated with end-of-life expenses and healthcare needs. Their final expense policies are structured to provide guaranteed coverage, ensuring that clients can secure peace of mind for their families. Premium Choice operates through a proprietary virtual sales platform, which equips agents with tools to effectively engage with clients and streamline the sales process. This innovative approach allows them to deliver tailored solutions while maintaining a focus on customer satisfaction. The company is licensed to operate in multiple states, further expanding its reach within the insurance market.


22. Final Expense

  • Website: finalexpense.com
  • Ownership type: Private
  • Headquarters: Orland Park, Illinois, United States (USA)
  • Employee distribution: United States (USA) 75%, Pakistan 25%
  • Founded year: 2015
  • Headcount: 1-10
  • LinkedIn: final-expense

Final Expense is an insurance provider based in Orland Park, Illinois, specializing in final expense insurance. Founded in 2015, the company aims to assist individuals in planning for end-of-life expenses, ensuring that their loved ones are not left with financial burdens. With a focus on funeral costs, burial expenses, and related services, Final Expense offers various insurance products tailored to meet the needs of consumers. The company claims to have over 40 years of experience in the industry, which may reflect the expertise of its founders or key personnel. They emphasize the importance of preparing for these expenses and provide flexible and affordable insurance options. Final Expense operates primarily in the United States and has established relationships with other service providers in the final expense sector to offer comprehensive solutions to their clients.



Final Expense Insurance Insights: Key Companies


CompanyHeadquarterSizeFoundedOwnership
Lincoln Heritage Life Insurance CompanyPhoenix, Arizona, United States (USA)201-5001963Family Owned
Final Expense DirectHouston, Texas, United States (USA)11-501984Private
Family First LifeMontville, Connecticut, United States (USA)1001-50002013Corporate
Senior Life Insurance CompanyThomasville, Georgia, United States (USA)51-2002000Private
ORCA LifeLouisville, Kentucky, United States (USA)11-502016Private
Family Heritage GroupMiddletown, Connecticut, United States (USA)51-2002002Family Owned
Golden Memorial Insurance ServicesChowchilla, California, United States (USA)1001-50001963Private
National Guardian Life Insurance CompanyMadison, Wisconsin, United States (USA)201-5001909Private
Maximum Senior Benefits LLCSalem, Utah, United States (USA)11-502011Corporate
YOUR Insurance GroupMelbourne, Florida, United States (USA)501-10002013Corporate
GPM Life Insurance CompanySan Antonio, Texas, United States (USA)51-2001934Private
Howe Insurance Services, Ltd.Caldwell, Ohio, United States (USA)201-5001981Private
Liberty Bankers Insurance GroupDallas, Texas, United States (USA)51-2001958Private
Seattle Insurance GroupTukwila, Washington, United States (USA)201-5002013Family Owned
AIG DirectSan Diego, California, United States (USA)51-2001995Private
Senior Select Insurance GroupLagrange, Georgia, United States (USA)51-2001995Corporate
First Generation LifeBurlington, North Carolina, United States (USA)201-5002008Private
EverdaysSouthfield, Michigan, United States (USA)11-502017Venture Capital
American Income Life Insurance CompanyWaco, Texas, United States (USA)5001-100001951Corporate
Gulf GuarantyJackson, Mississippi, United States (USA)1-101970Corporate
Premium Choice MediaLos Angeles, California, United States (USA)51-2002020Private
Final ExpenseOrland Park, Illinois, United States (USA)1-102015Private


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