It’s time I quit beating around the bush about this subject. I get numerous requests for people who are looking for $20,000 of life insurance or less. Generally I am talking about retired folks who only need final expense or burial insurance. Some times health is an issue. I have tried to find a better product in that size policy, but the truth is that nothing I have found beats Colonial Penn . It is not a company that uses agents. that is to say it is a direct company on line, so I can’t offer their products, but I can recommend them.
From $25,000 on up, which I consider legitimate amounts for final expense policies, there are a number of better options available. A good independent agent can guide you to the best product and the best rate in that area.
Bottom line. Whatever the size of your life insurance need happens to be, you should know where to go for the best possible price.
This post is somewhat dated. Life insurance underwriting is changing and evolving continually. For more updated information check out some of the key word links. If you have a specific question or topic you need information for do a search. If you don’t find the answers you need contact me and we’ll make sure you get the information that is important to you.