Senior Life Insurance Company
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They do what they promise, and more
This is an affordable, stable approach for Whole Life coverage for your final expenses whether you're healthy, or you're a smoker or have health issues that would result in your application being denied or would be very expensive with other insurance companies. This company specifically sells final expense protection. Your whole life insurance is with you for life, and very importantly there are no rate increases or policy term endings at certain ages in the fine print as with most other "no medical exam required" policies offered by major competitors. As with most other companies you do need to have the policy in force for 2 years to collect the total face value. Claims are paid as promised when the death certificate is presented. If you haven't planned your final expenses in advance (like my parents) this company will literally be there to help you as you're arranging the funeral so you don't get ripped off in your most emotionally vulnerable moments. I don't know of any other company that does that and also pays out so quickly, and that's why I've recommended it to others.