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
Colonial Penn is a mixed-to-weak fit for a nonsmoking 65-year-old seeking $25,000 of final expense coverage. Guaranteed acceptance and level premiums are strengths, but the $9.95-per-unit plan may not reach $25,000 for a 65-year-old male and carries a two-year graded death benefit.
Americo is a good, but not conclusively best, fit for a nonsmoking 65-year-old with average-to-good health seeking about $25,000 of permanent final expense coverage.
Foresters Financial is a good fit for a nonsmoking 65-year-old seeking about $25,000 of permanent final expense coverage through PlanRight Whole Life, which offers level premiums and coverage to age 121. No verified 2026 premium is public, so buyers must confirm state quotes and contract terms.
Aflac is a good but not fully verified fit for a nonsmoking 65-year-old in average-to-good health seeking about $25,000 of permanent final expense coverage. Its Level Plan offers permanent coverage, fixed premiums, and no medical exam, but no platform found a published $25,000 premium for this buyer.
Lincoln Heritage Funeral Advantage is a mixed fit for a nonsmoking 65-year-old seeking $25,000 in permanent final expense coverage. It offers whole life with no medical exam, but premiums reportedly run 26-50% higher than competing carriers.
Gerber Guaranteed life insurance is a mixed fit for a nonsmoking 65-year-old in average-to-good health seeking $25,000 of permanent final expense coverage. Four of seven platforms named Gerber during ranking discovery, and six of seven returned a usable fit assessment.
Aetna / Accendo is a good fit for a nonsmoking 65-year-old in average-to-good health seeking about $25,000 of permanent final expense coverage, if they qualify for Preferred or Standard Level Benefit underwriting. Pricing is not publicly verified.
Transamerica is a good fit for a nonsmoking 65-year-old in average-to-good health seeking $25,000 of permanent final expense coverage, subject to quote verification. Its Immediate Solution whole life product offers level premiums and simplified issue, though pricing may run higher than competitors.
Mutual of Omaha is a good fit for a nonsmoking 65-year-old in average-to-good health seeking about $25,000 of permanent final expense coverage, if the applicant qualifies for the Living Promise Whole Life Level Benefit Plan and the quoted premium is competitive.
State Farm is a weak fit for a $20,000 final expense policy because its guaranteed-issue coverage tops out at $15,000. It offers no-exam acceptance and level premiums, but no platform verified a $20,000 premium for a 65-year-old nonsmoker.
Foresters Financial is a good, not clearly best, fit for a nonsmoking 65-year-old seeking about $20,000 of permanent final expense coverage.
Gerber Life Guaranteed life insurance is a mixed fit for a nonsmoking 65-year-old with average-to-good health seeking $20,000 of permanent final expense coverage. Three of seven included platforms named it during the ranking stage, and five of seven returned a usable fit assessment.
