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Life insurance company reviews

Plain, sourced reviews of the companies that sell final expense and burial insurance — products, issue ages, waiting periods, financial strength, and complaint data.

Final expense & burial

For adults roughly 45 to 85 who want funeral costs and final bills covered, with simple health questions instead of a medical exam.

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Guides

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Best Life Insurance Options for Veterans (2026)

The best life insurance for a veteran depends on your situation: VGLI fits recently separated veterans who want to keep up to $500,000 without a health review, and VALife fits veterans with any service-connected rating who want up to $40,000 of lifelong coverage. Private term life often costs less for healthy veterans who need large coverage for a set number of years, and private final expense coverage can fill gaps for older veterans.

Editorial Team · September 30, 2026

Couple in their sixties at a breakfast table, one writing figures in a notebook while the other checks a phone

Transamerica Final Expense Review: FE Express & Solutions (2026)

Transamerica sells simplified issue final expense whole life through agents, led by FE Express Solution (ages 18 to 85, up to $100,000 at younger ages) and the Immediate Solution (ages 0 to 85, up to $50,000). The strengths are high coverage limits and fast digital decisions; the trade-off is a complaint index well above the national baseline for its individual life business.

Editorial Team · September 30, 2026

Two older women talking over a notebook and cups of tea at a porch table

Royal Neighbors of America Final Expense Review (2026)

Royal Neighbors of America is a fraternal insurer whose Ensured Legacy Final Expense line offers whole life coverage from $5,000 to $40,000 in simplified issue, graded death benefit, and guaranteed issue versions. It has a version for people who don't qualify on health questions, but it is sold through Royal Neighbors agents and isn't available in seven states, including New York.

Editorial Team · September 30, 2026

Senior couple on a living room sofa looking at a tablet together

Mutual of Omaha Final Expense Review: Living Promise (2026)

Mutual of Omaha sells final expense coverage through Living Promise, a whole life policy from United of Omaha with no medical exam, issue ages 45 to 85 and face amounts from $2,000 to $50,000 on the level plan, per its plan highlights sheet. Applicants whose health answers qualify for the level plan get full coverage from day one, while those placed on the graded plan get a two-year limited benefit for natural-cause death.

Editorial Team · September 30, 2026

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Foresters PlanRight Review: Final Expense Coverage (2026)

Foresters PlanRight is a simplified issue whole life policy for ages 50 to 85 with face amounts from $5,000 to $35,000, sold through agents by a fraternal benefit society. Your health answers place you in one of three plans, and only the Basic plan has a reduced death benefit in the first two years.

Editorial Team · September 30, 2026

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How We Review Life Insurance Companies (2026 Methodology)

We review life insurance companies on six things you can check yourself: product fit for final expense, underwriting and waiting periods, issue ages and coverage limits, financial strength ratings, NAIC complaint data, and how clearly the company publishes its terms. We use the company's own documents, rating agency releases, and regulator data, and we don't give star ratings, numeric scores, or paid placement.

Editorial Team · September 30, 2026

Senior couple at a kitchen table looking through papers in an open folder

Lincoln Heritage Funeral Advantage Review (2026)

Lincoln Heritage Funeral Advantage is a simplified issue whole life final expense policy for ages 40 to 85 with coverage the company lists at up to $35,000. Its main difference is built-in funeral planning and price-shopping help for your family, but you should ask the agent exactly which benefit level and waiting-period terms apply to you.

Editorial Team · September 30, 2026

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Gerber Life Guaranteed Life Insurance Review (2026)

Gerber Life Guaranteed Life Insurance is a whole life policy for ages 50 to 80 (50 to 75 in New York) with coverage from $5,000 to $25,000 and no medical exam or health questions. The trade-off is a two-year graded benefit: if you die of natural causes in that time, your beneficiary gets 110% of premiums paid instead of the full amount.

Editorial Team · September 30, 2026

Woman with gray curly hair reading a letter from a plain envelope at her kitchen counter

Globe Life Insurance Review: Final Expense & Whole Life (2026)

Globe Life sells small life insurance policies directly by mail, phone and online, with no medical exam but a health-question application. Its adult term policy ends at age 80 or 90 depending on the state, so seniors who want lifelong burial coverage should ask specifically for the whole life plan.

Editorial Team · September 30, 2026

Older man and his adult daughter reviewing papers from a manila folder at a dining table

Corebridge Guaranteed Issue Whole Life Review (2026)

Corebridge Financial (formerly AIG Life & Retirement) sells Guaranteed Issue Whole Life through American General Life for ages 50 to 80, with $5,000 to $25,000 of coverage and no health questions. The trade-off is a two-year graded death benefit: a natural death in that window pays back premiums plus a percentage, not the full face amount.

Editorial Team · September 30, 2026

Older man in an armchair talking on the phone while writing notes on a notepad

Colonial Penn Life Insurance Review: Guaranteed Acceptance (2026)

Colonial Penn's main final expense product is Guaranteed Acceptance Whole Life, a no-health-questions policy for ages 50 to 85 in most states, sold in units that start at $9.95 a month. Acceptance is guaranteed, but death from natural causes in the first two years pays back premiums plus 7 percent interest instead of the full benefit, and each unit buys less coverage the older you are.

Editorial Team · September 30, 2026

Man in his sixties at a home office desk taking notes on a legal pad beside an open laptop

Americo Final Expense Insurance Review (2026)

Americo sells final expense whole life called Eagle Select for ages 40 to 85, with $5,000 to $50,000 of coverage, through licensed agents using health questions and an instant-decision application. Two tiers pay a level benefit from day one; the third tier has a two-year graded benefit, a $25,000 cap, and a top issue age of 75.

Editorial Team · September 30, 2026

Older woman in reading glasses comparing two printed pages at a sunny kitchen table

Best Final Expense Insurance Companies (2026)

The best final expense insurance company depends on your health and age: guaranteed issue plans from Gerber Life, Corebridge and Colonial Penn take applicants in their age range without health questions but limit natural-cause payouts for two years, while simplified issue plans like Mutual of Omaha Living Promise and Foresters PlanRight can pay the full benefit from day one if you qualify. We compared 10 carriers using their own published terms and ratings.

Editorial Team · September 30, 2026

Common questions

How do you choose which companies to review?

We review companies that commonly sell final expense, burial, or guaranteed acceptance life insurance to people in their 50s to 80s, using the companies' own published terms, rating agency reports, and state regulator complaint data.

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Do companies pay to be reviewed?

No. Companies can't pay for placement or a better review. We are a matching service, and licensed agents we connect you with may offer policies from some of these companies.

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