Life & Final Expense With Plan Advisors

Your Life & Final Expense Advantage

Final Expense insurance gives families peace of mind by covering end-of-life costs, and life insurance protects loved ones from financial burdens. At Plan Advisors, we provide access to top carriers, simplified enrollment tools, and expert training so you can confidently sell both, build a legacy-ready portfolio, and open recurring income streams.

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Why Sell Life & Final Expense?

Why Sell Life & Final Expense?

Final Expense and life insurance resonate with a broad range of clients: seniors planning ahead, families who want financial protection, young adults securing low rates early, and even business owners who want to safeguard their legacy. Offering these products ensures you can support clients at every stage of life—not just Medicare-eligible ones.

Who Needs These Products?

Who Needs These Products?

Final Expense and life insurance resonate with a broad range of clients: seniors planning ahead, families who want financial protection, young adults securing low rates early, and even business owners who want to safeguard their legacy. Offering these products ensures you can support clients at every stage of life—not just Medicare-eligible ones.

Policy Types Made Simple

Policy Types Made Simple

From level-benefit policies that pay full coverage immediately, to graded or modified options that build up to full benefits, and guaranteed issue plans with no health questions required, Plan Advisors gives you access to the full spectrum of products. This flexibility allows you to tailor coverage to each client’s unique health needs, budget, and requirements.

Do I need special certification to sell Life & Final Expense?

No additional certification is required. Once you’re licensed for life insurance in your state and appointed with the carrier, you can sell these products.

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Commissions are paid directly by the carrier and are usually higher in the first year, with renewal payments in subsequent years. Final Expense often pays level commissions, while traditional life products may vary.

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Final Expense policies are typically smaller face amounts, designed to cover end-of-life costs, and often use simplified or guaranteed underwriting. Traditional life insurance (term, whole, universal) can cover larger needs like income replacement or estate planning.

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