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
Aetna / Accendo Insurance Company is a good fit for most buyers seeking simplified-issue permanent final expense coverage, but it is not a guaranteed-acceptance product and it is not the cheapest option for healthy applicants under 75.
State Farm is a good fit for a small permanent final expense policy with guaranteed acceptance and level premiums. Its Guaranteed Issue Final Expense whole life policy offers $10,000-$15,000 coverage with no medical exam, though a two-year natural-death limitation and limited public pricing apply.
New York Life is a good fit for Final Expense Insurance if you prioritize carrier financial strength, permanent coverage, and simplified or guaranteed acceptance — especially as an AARP member.
Transamerica is a good fit for many final expense buyers, but not a conclusive best choice. The FE Express Solution offers simplified-issue whole life with no medical exam and level premiums, though its NAIC complaint index runs about four times the industry average.
Mutual of Omaha is a good fit for Final Expense Insurance buyers who want permanent, simplified-issue whole life coverage with level premiums and can qualify for the Level Benefit tier of Living Promise.
Lincoln Heritage Funeral Advantage is a mixed fit for a nonsmoking buyer aged 50-59 seeking about $20,000 of permanent final expense coverage. It offers simplified-issue whole life with no medical exam and an AM Best A rating, but premiums run 20-40% higher than comparable coverage.
Aflac is a good, not clearly best-in-class, fit for a nonsmoking buyer in their 50s seeking about $20,000 of permanent final expense coverage. Its Final Expense Whole Life product matches the core requirements, but Aflac publishes no rate for this profile, so premium competitiveness is unverified.
Gerber Guaranteed life insurance is a mixed fit for a nonsmoking buyer in their 50s with average-to-good health seeking about $20,000 of permanent final expense coverage. Three of seven platforms named it during ranking discovery, and six of seven returned a usable fit assessment.
Americo is a good, but not conclusively best, fit for a nonsmoking buyer aged 50–59 seeking about $20,000 of permanent final expense coverage. Four of the seven configured platforms named Americo during ranking discovery, and six of seven returned a usable fit assessment.
Aetna is a good fit for a nonsmoking buyer in their 50s with average-to-good health who wants about $20,000 of permanent final expense coverage, if they qualify for the level-benefit tier and live in an eligible state. No verified public premium exists for this profile.
Transamerica is a good, but not conclusively best, fit for a nonsmoking buyer aged 50-59 seeking about $20,000 of permanent final expense coverage.
Mutual of Omaha is a good fit for a nonsmoking buyer aged 50-59 with average-to-good health seeking about $20,000 of permanent final expense coverage, if they qualify for the Living Promise Level Benefit Plan and don't live in New York. Pricing remains unverified.
