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Coverage
“Life insurance” covers some quite different products, and the names get used loosely. Here’s what each one is for.
Burial insurance
A smaller whole life policy with one job: the bills that land on a family at the end of a life. A funeral or cremation, leftover medical bills, and the small debts somebody has to settle.
Often a fit if
Coverage for life
Coverage for the rest of your life, as long as the premium is paid. The premium is usually set when you buy and doesn’t rise with age, and the policy builds cash value over time.
Often a fit if
For a set term
Coverage for a fixed period, often 10, 15 or 20 years. It usually costs less for the same amount, but it ends — and most companies stop offering new term policies past a certain age.
Often a fit if
Indexed universal life
Permanent coverage whose cash value earns interest linked to a stock market index, up to a cap, with a floor against index losses. Payments can be flexible, but fees apply and the policy has to stay funded.
Often a fit if
Coverage, eligibility, and cost depend on your age, health, and the state you live in. Not everyone will qualify for every plan.
Why call us
Easier to qualify for, easier to afford, and easier to decide on — with a licensed agent doing the legwork.
Why independent
An insurance company can only tell you about its own plans. Here’s the honest difference — including the one thing they can do that we can’t.
About us
A desk is somewhere you can walk up to with a question and get a straight answer. That’s the whole idea.
Plenty of people shopping for life insurance are doing it for the first time in years, or for the first time ever, and the last thing they want is a sales pitch. So our agents start by listening, explain things in plain language, and will tell you if a plan isn’t a good fit.
We’re independent, which means we’re not tied to any one insurance company. We work with several, so you hear more than one option before you choose.
Check us before you buy. Ask your agent for their full name and license number, and look them up on your state insurance department’s website. A real agent won’t mind.
FAQ
We are an independent insurance agency, not an insurance company.
We cannot look up your policy, take a premium payment, change your coverage, or update your beneficiaries. For any of those, call your insurance company directly using the number on your policy or your bill.
What we can do is review your policy with you, for free, and tell you whether it’s still the right fit.
Yes, for free, whichever company it’s with. We can’t see your insurer’s records, so have your latest statement or your policy papers nearby when you call. The agent will explain what you have and what it would pay.
Often the honest answer is to keep what you have, and if so, that’s what we’ll tell you.
Not necessarily. Many final expense plans accept new applicants into their 80s. The exact cut-off depends on the insurance company and the plan, and the agent can tell you which ones you can apply for.
It depends on your age, your health, how much coverage you want and the state you live in — which is why there are no prices on this page. Anyone quoting you a price before they know those things is guessing. The agent can give you real numbers on the call.
Coverage, eligibility, and cost depend on your age, health, and the state you live in. Not everyone will qualify for every plan.
With most whole life and final expense plans, no — the premium is set when you buy and stays the same. Term life is different: when the term ends, renewing usually costs much more. Ask the agent which kind you’re looking at.
Often not. Many final expense and whole life plans ask health questions over the phone instead. Some larger policies do need an exam, and the agent will tell you up front.
Some plans are built for people who’ve been turned down elsewhere. They usually cost more for the same amount of coverage, and because we work with several companies, a “no” from one doesn’t end the conversation.
Some final expense plans pay only a limited benefit if death from natural causes happens in the first two years. Your agent will tell you whether a plan works this way before you apply.
You can help them shop, and you’re welcome on the call. But your parent has to take part: in almost every case the person being insured answers the health questions and agrees to the policy themselves. It works best if you call together.
Yes, and you’re under no obligation to buy anything.
The call is free. If you decide to buy a policy, the licensed agent you spoke with is paid a commission by the insurance company.
Fair question — there are plenty of look-alike sites. The Life Policy Desk is operated by One Life Enrollment LLC.
Before you buy anything, ask your agent for their full name and license number and look them up on your state insurance department’s website. A real agent won’t mind you checking.
Licensed in 47 states.
Talk it through with a licensed agent
(800) 555-0100Available Mon–Fri, 10am–8pm ET
Call now — it's free