Published company evidence
Read the context behind each recommendation, including the study it came from and the limits of what the evidence can show.
216 published fit reviews
Mutual of Omaha is a weak fit for final expense coverage if you are already older than 85. Its Living Promise whole life policy cites issue ages ending at 85, so applicants 86 and older appear outside the stated range.
Americo is a good but conditional fit for nonsmokers ages 80 to 85 seeking $15,000 to $20,000 of permanent final expense coverage. Eagle Premier reaches issue age 85 with $5,000 to $40,000 face amounts, but no platform verified a public premium for this age band.
Aetna is a good but conditional fit for final expense coverage over 85. Its issue ages reach 89, past the age-85 caps most competitors apply, but the maximum death benefit drops sharply at 86-89 and the policy is simplified issue, not guaranteed issue.
Aflac is a weak fit for most final expense buyers ages 80 to 85. Its Level Plan offers immediate benefits and simplified issue, but the published issue-age table stops at 80, and one source claims Aflac left the individual final expense market in 2024.
Foresters Financial is a good but qualified fit for nonsmokers ages 80 to 85 seeking $15,000 to $20,000 of final expense coverage. PlanRight Whole Life offers issue ages through 85 and no medical exam, but ages 81 to 85 may cap at $15,000, and pricing is not published.
Fidelity Life is a good fit for a reasonably healthy nonsmoker aged 80 to 85 who wants roughly $15,000 to $20,000 of permanent final expense coverage with no medical exam, level premiums, and immediate full benefits after approval.
Aetna is a good but conditional fit for a nonsmoker aged 80 to 85 seeking $15,000 to $20,000 of permanent final expense coverage. Aetna-affiliated products state issue ages through 89, but no official public premium exists for this buyer profile and sources conflict on maximum face amounts at ages 81 to 85.
American Amicable life insurance Company - American Amicable Final Expense is a reasonable but not clearly superior fit for a nonsmoking buyer ages 70 to 79 seeking about $20,000 of permanent final expense coverage.
Colonial Penn — Guaranteed Acceptance life insurance is a mixed-to-weak fit for a nonsmoking buyer aged 70–79 with average-to-good health who wants roughly $20,000 of permanent final expense coverage. Two of seven included platforms named it during the ranking stage, and five of seven returned a usable fit assessment.
Aflac is a qualified but contested fit for a nonsmoker ages 70-79 seeking about $20,000 of permanent final expense coverage. Its Final Expense Whole Life is simplified-issue with no medical exam, but platforms disagree on the maximum death benefit, and no applicant-specific premium could be confirmed.
Gerber Life — Guaranteed life insurance is a mixed fit for a nonsmoking buyer aged 70–79 with average-to-good health who wants about $20,000 of permanent final expense coverage. Three of seven included platforms named it during the ranking stage, and six of seven returned a usable fit assessment.
Foresters Financial is a good, but not proven best-buy, fit for a nonsmoking buyer aged 70-79 seeking about $20,000 of permanent final expense coverage.
