Final expense insurance is a small whole-life policy built to cover funeral and burial costs, so the people you love get cash in hand instead of a bill. Family Life Solutions shops multiple carriers so you lock in the best rate that never goes up.
Answer three questions and Les comes back with a real number from the carriers he shops, not a guess. No medical exam, no obligation, and nothing to buy on the spot.
Your information has been sent to Lesley David Varisce at Family Life Solutions, who will call with your exact rate within one business day.
Illustrative sample rate. Your quote depends on age, coverage and health, and varies by carrier and state.
Final expense insurance is a small whole-life policy, usually 10,000 to 25,000 dollars, built to cover funeral, burial and end-of-life bills. It pays cash directly to your beneficiary, with no medical exam required and a rate that is locked for life.
Funeral and burial costs have climbed for years, and most families do not have several thousand dollars set aside to cover one on short notice. Across Clarksville, Fort Campbell and the surrounding towns, a lot of families have moved a few times and do not have a local plan in place. A small monthly premium closes that gap before it becomes a problem.
Typical qualifying age range
Starting rate for basic coverage
Medical exams required to qualify
Full benefit from the day coverage starts
No investment jargon and no fine print surprises. Just coverage built for the moment your family will need it most.
Your premium and your coverage are designed to stay level. The rate you lock in at 62 is built to be the same rate at 82.
A few simple health questions is typically all it takes. Many applicants can be approved the same day over the phone.
Your beneficiary receives cash to spend as they choose, whether that is the funeral home, outstanding bills, or anything else.
Qualified applicants are covered from the first day, with no lengthy waiting period on the full benefit.
As a whole-life policy it is designed to grow a small cash value over time that you may be able to borrow against.
The policy is designed to stay in force for life as long as premiums are paid, regardless of age or later health changes.
Most people finish the whole process in a single phone call with Les, a licensed independent agent.
Share your age, ZIP and the coverage you want. See a sample quote in about a minute with no obligation.
Les walks you through a short health questionnaire and compares options from multiple carriers. No exams, no needles.
Approve your plan and your family is protected. Your rate is designed to stay fixed from that day forward.
Coverage can start at just a few dollars a week. These illustrative monthly rates show how affordable this kind of protection can be. Your actual rate depends on the carrier, your age, health and state.
| Age | $10,000 | $15,000 | $20,000 |
|---|---|---|---|
| 50 | $24/mo | $33/mo | $43/mo |
| 60 | $31/mo | $44/mo | $57/mo |
| 70 | $49/mo | $71/mo | $92/mo |
| 80 | $88/mo | $129/mo | $168/mo |
Final expense is where most families start, but Les helps protect your income, your savings and your health from every angle, not just one policy.
Grow tax-advantaged cash value you can borrow against later, with a floor that protects your balance when the market drops.
Explore IUL →Lock in a low monthly rate that protects your family's income during the years a mortgage, kids or a career are on the line.
Explore term life →Keep the same premium for life and leave your family a guaranteed payout, while a cash value account grows in the background.
Explore whole life →Turn a lump sum into a paycheck that lasts as long as you do, so retirement income is never a guessing game.
Explore annuities →See a doctor by phone or video any hour, any day, and cut prescription costs for your whole household, without an ER copay.
Explore KonnectMD →Keep your CDL and your job when a moving violation shows up, with an attorney already on call to fight the ticket.
Explore CDLP →Les is based in Clarksville, TN and works with families across Montgomery County, Fort Campbell and the surrounding towns in Tennessee and Kentucky.
See all service areasFinal expense insurance is a small whole-life policy, usually between 5,000 and 25,000 dollars, designed to cover funeral, burial and other end-of-life costs. The cash benefit is paid directly to your named beneficiary, who can use it for any purpose.
No. Coverage is typically issued based on a few simple health questions rather than a physical exam or blood work. Many applicants can be approved the same day.
Rates depend on your age, coverage amount, health and the carrier, but many people qualify for coverage starting in the range of about a dollar a day. Your premium is then designed to stay level.
Coverage is generally available for ages 45 to 85, and guaranteed-issue style options exist for some health conditions. Les can help match you to a plan you are likely to qualify for.
Yes. Family Life Solutions is based in Clarksville, TN and regularly serves families in Fort Campbell, Oak Grove and Hopkinsville, KY, as well as Nashville, TN. Les is also licensed in TN, KY, OH, VA, TX and NY.
See a sample rate today, then talk through your real options with Les, a licensed independent agent based right here in Clarksville.
Tell us a little about yourself and Les will follow up with your real rate.
Your information has been sent to Lesley David Varisce at Family Life Solutions, who will call with your exact rate within one business day.
Illustrative sample rate. Your quote depends on age, coverage and health, and varies by carrier and state.
Pick a time that works. No obligation, no pressure, just answers.