Final Expense Life Insurance From A Licensed Agent
Final expense insurance is a small, permanent life insurance policy, typically $5,000 to $25,000, built to cover funeral costs, medical bills, and other final expenses so your family is not left paying out of pocket. Luis Alvarenga applies simplified underwriting, often with no medical exam required, and works with clients across 18 states.
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Policy Amounts, Underwriting, And What Gets Covered
A Common Question
"I'm older or have health conditions, will I even qualify?" Final expense policies use simplified or guaranteed-issue underwriting built specifically for older applicants and common conditions like diabetes or high blood pressure, so a denial from a traditional life policy does not mean a denial here.
How Luis Helps
Luis reviews your health questionnaire before you apply so you know your realistic options in advance, backed by a free annual policy review for the life of the policy.
Rates and figures shown are sample estimates for illustration only. Any real policy is subject to underwriting and the terms, conditions, and exclusions of the actual policy documents.
States Served
Licensed independent insurance agent (NPN #8756746). Licensed in CA, AZ, FL, GA, IA, KS, KY, MI, MS, NC, NM, NV, OH, SC, TN, TX, VA, WA. Products, availability, and rates vary by carrier and state; not all products available in all states.