Leave Your Family
Memories, Not Bills
Affordable whole life insurance for seniors. Protect your loved ones from unexpected funeral costs with coverage from $3,000 to $35,000. No medical exams required.
The Cost Families Don't Plan For
Every year, thousands of families face devastating financial burdens when a loved one passes. The average funeral in America costs between $7,000 and $12,000 — and that's just the beginning.
Don't let this burden fall on your family.
Simple 4-Step Process
For Your Peace of Mind
American Beneficiary makes getting coverage easy. No complicated paperwork, no medical exams, and approval in as little as 24 hours.
Reach Out
Call us or fill out a quick online form. It takes less than 2 minutes to get started.
Speak With an Agent
Our licensed agents discuss your needs and answer all your questions — no pressure, ever.
Choose Your Plan
We compare quotes from top A-rated carriers to find the best coverage at the most affordable price.
Instant Approval
Get approved over the phone. Your policy arrives in the mail within 10 business days.
Plans That Fit Your Budget
Our whole life policies never expire. Coverage from $3,000 to $35,000 — premiums that stay locked in for life.
- Whole life — never expires
- No medical exam required
- Locked-in premiums
- Covers basic funeral costs
- Everything in Essential
- Covers funeral + outstanding debts
- Cash value accumulation
- Beneficiary receives full amount
- Guaranteed acceptance available
- Everything in Complete
- Maximum coverage + financial legacy
- Leave a gift for your family
- Higher cash value growth
- Priority support line
Trusted by Thousands of Families
Families Protected
Insurance Partners
Approval Time
Satisfaction Rate
Partner With American Beneficiary
Join our growing network of agents and agencies. We provide the tools, leads, and support you need to grow your final expense business.
Exclusive Lead Programs
Get access to high-quality, exclusive final expense leads. No shared leads, no recycled data — just real prospects who are ready to talk.
Competitive Commissions
Earn top-tier commissions with our carriers. We offer street-level contracts and above for qualified agents and agencies.
Training & Support
From sales scripts to closing techniques, get free training resources and one-on-one mentorship to sharpen your skills.
CRM & Tech Integration
Integrate seamlessly with your existing CRM. We support all major platforms so you can manage leads efficiently.
Stories From Our Clients
See Your Estimated
Monthly Premium
Use our quick calculator to get an instant estimate. Adjust your age, coverage amount, and see how affordable protecting your family can be.
Quick Premium Estimator
per month • rates vary by health