Our Services
Comprehensive final expense insurance solutions for seniors, plus powerful partnership programs for agents and agencies.
Final Expense Insurance Made Simple
We offer multiple types of whole life insurance policies designed specifically for seniors ages 45–85. All policies feature locked-in premiums, no expiration, and no medical exam requirements.
Simplified Issue Whole Life
Our most popular product. Answer a few simple health questions — no medical exam. Most applicants are approved within 24 hours with immediate full coverage.
- Coverage: $3,000 – $35,000
- Ages: 45 – 85
- Immediate death benefit
- Fixed premiums for life
- Cash value accumulation
Guaranteed Acceptance
No health questions asked — everyone ages 45–85 is guaranteed approval. Perfect for individuals with pre-existing conditions who have been declined elsewhere.
- Coverage: $3,000 – $25,000
- No health questions
- 100% guaranteed approval
- 2-year graded benefit period
- Fixed premiums — never increase
Modified Whole Life
For those with moderate health concerns, modified whole life offers coverage with a brief waiting period. After the waiting period, full benefits apply.
- Coverage: $5,000 – $30,000
- Limited health questions
- 1–2 year graded period
- Return of premium during waiting
- Builds cash value over time
Free Policy Review
Already have a policy? Our agents will review your current coverage for free and let you know if you're overpaying or underinsured — no obligation.
- Review existing policies
- Compare with new rates
- No-obligation consultation
- Identify gaps in coverage
- Save up to 40% on premiums
Grow Your Final Expense Business
American Beneficiary provides insurance agents and agencies with the tools, leads, training, and carrier access needed to maximize production and income.
Lead Generation Programs
High-quality, exclusive final expense leads delivered in real-time. No shared data, no recycled contacts — every lead is fresh and verified.
- Exclusive leads — not shared
- Real-time delivery to your CRM
- Telemarketed & digital leads
- Geographic targeting
- Flexible volume options
Carrier Access & Contracting
Get contracted with 50+ A-rated final expense carriers through one agency. We handle the paperwork so you can focus on selling.
- 50+ carrier appointments
- Competitive commission levels
- Street-level and above contracts
- Quick turnaround on contracting
- Renewal commission ownership
Training & Mentorship
Whether you're new to final expense or a seasoned veteran, our training resources will help you sharpen your skills and close more policies.
- Weekly live training sessions
- Sales scripts & rebuttals
- One-on-one mentorship
- Product knowledge library
- Compliance & ethics guidance
Tech & CRM Support
Integrate our lead delivery with your existing CRM. We support all major platforms and provide tech assistance to streamline your workflow.
- CRM integration support
- Automated lead routing
- Marketing collateral library
- Co-branded landing pages
- Performance analytics dashboard
Why American Beneficiary?
50+ A-Rated Carriers
We shop the market for you — comparing quotes from dozens of top carriers to find the best rate.
No Medical Exams
All of our policies can be issued without needles, blood work, or doctor visits.
24-Hour Approval
Most applications are processed and approved the same day — some instantly over the phone.
Licensed in All 50 States
No matter where you live, our licensed agents can help you find the right coverage.
Locked-In Premiums
Your rate never increases — what you pay today is what you'll pay forever.
Dedicated Support
Real people, real answers. Our support team is here to help every step of the way.
Ready to Protect Your Family?
Get a personalized quote in minutes. Our licensed agents are standing by to help you find the perfect plan at the best price.