Family Life Insurance
Final Expense & Funeral Coverage You Can Trust
Serving thousands of families for over 40 years
Guaranteed Acceptance – No Medical Exams, No Health Questions. Everyone Approved!
Secure Your Legacy With Confidence
At Family Life Insurance, we help families plan for what matters most—peace of mind at life’s most difficult moment. Since 1984, our team has guided clients through planning and funding funerals, burials, and cremations with clarity and compassion.
We specialize in funeral insurance, final expense life insurance, and guaranteed approval life insurance, serving residents of Virginia, Texas, North Carolina, South Carolina, Maryland, West Virginia, Tennessee, Kentucky, Ohio and Indiana. Our mission is to provide peace of mind for your family during life’s most difficult times.
By preparing now, you protect your loved ones from unexpected costs later. Whether you need help covering funeral arrangements, burial expenses, or want to leave a death benefit for your family, we’re here to make it easy—and fast. Most claims are paid within 24 hours, ensuring your family isn’t left waiting.
For over four decades, families have trusted us to provide personalized guidance, affordable policies, and compassionate service during some of life’s hardest transitions.
Why Funeral & Final Expense Coverage Matters
Planning ahead for your funeral may seem uncomfortable—but the reality is, end-of-life costs can quickly overwhelm loved ones. Without protection, your family may face thousands in unexpected expenses at a time when they’re grieving and under pressure.
Final expense insurance ensures these responsibilities don’t fall to your children, spouse, or loved ones. It gives you control and protects your legacy. It also prevents the need for family members to resort to fundraising or debt during a crisis.
Even a modest policy of $10,000 can make a huge difference. Our policies are designed for flexibility, affordability, and speed—so you can make responsible plans without stress.
Here’s what your family might encounter without proper planning:
Funeral service: $7,000–$12,000
Cremation: $4,000–$7,000
Burial plot & headstone: $2,500+
Medical bills & final debts: Varies significantly
Travel, lodging & food for relatives: Hundreds to thousands more
Most families are not financially prepared to cover these costs out of pocket.
Assisting Clients
Since 1984
We have made funding your funeral a simple process. We offer you great coverage and can give you the personal attention and care that you and your family deserve. Our friendly and caring agents are licensed and trained to provide excellent service to your individual or family needs.
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Most claims pay within 24 hrs
Since 1984, we’ve delivered trusted coverage with personal care and award-winning service. Accredited by the BBB with an A+ rating, we’re recognized for being honest, dependable, and responsive to our clients.
When you call, a courteous agent will assist you promptly, giving your request personal attention. Don’t wait—call us now!
Nationally Awarded Final Expense Insurance
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What We Offer
We offer a full range of end-of-life and final expense coverage options that are easy to understand and even easier to apply for. You don’t need to jump through hoops to protect your family.
Funeral Insurance
Funeral insurance helps cover the total cost of a funeral, including transportation, service arrangements, casket, cremation or burial, and other ceremony-related expenses. These policies are typically small whole-life policies that remain in effect as long as you pay your premiums.
Death Benefit Insurance
These policies are designed to provide a tax-free cash payout to your named beneficiary. These funds can help cover day-to-day living costs, unpaid bills, or give loved ones a financial cushion.
Burial Insurance
Burial insurance is a specific type of final expense insurance focused strictly on burial and cemetery costs. This coverage ensures your plot, vault, headstone, and burial services are fully funded ahead of time.
Custom Coverage Packages
Our team will work with you one-on-one to create a tailored solution. Whether you want to combine a funeral policy with a death benefit, or need a guaranteed issue plan with final expense coverage, we’ll build a policy that fits your goals and budget.
Guaranteed Approval Life Insurance
No health questions. No exams. No denials. This policy is available to almost everyone regardless of age or medical condition. If you’ve been turned down for traditional life insurance before, this plan guarantees you coverage.
● Available to applicants age 0–85
●
No health questions asked, no medical exams required.
● Guaranteed issue in most cases
Final Expense Life Insurance
Final expense policies are tailored to pay off a combination of funeral costs, medical bills, credit card debt, or other small outstanding balances. These policies range from $5,000 to $25,000 and are designed to keep things simple.
● Monthly payments start as low as $15 per month, and they never go up.
● No medical exam required
●Most claims pay within 24 hrs
Who We Serve
We proudly serve individuals and families across different licensed states:
Virginia
Texas
North Carolina
South Carolina
Maryland
West Virginia
Tennessee
Kentucky
Ohio
Indiana
Each state has its own regulations, but we handle everything for you—from application to claim processing. Our deep experience across these regions means we understand the unique financial and cultural needs of our clients.
We welcome clients from all walks of life: seniors preparing for the future, families wanting peace of mind, and individuals seeking guaranteed approval options.
We are licensed to serve individuals and families across these states, so if you live in one of our licensed states, we’re ready to help you today.
Why Choose Family Life Insurance?
Trusted Since 1984
With over 40 years of experience, we’ve helped thousands of families plan their end-of-life arrangements with compassion, clarity, and trust.
Fast Claims, Often in 24 Hours
We know time matters. That’s why we process most claims in 24 hours or less once documentation is submitted. Your family gets the help they need—when they need it most.
Personalized Plans
We don’t believe in one-size-fits-all. We listen to your needs, explain your options, and build a plan that works for your unique situation.
No Medical Exams Required
Our guaranteed approval policies eliminate the need for medical evaluations or health history. Everyone deserves a chance to be protected.
Licensed in Different States
We’re fully licensed and compliant in Virginia, Texas, North Carolina, South Carolina, Maryland, West Virginia, Tennessee, Kentucky, Ohio, Indiana, and we understand the rules, benefits, and challenges in each of these regions
Frequently Asked Questions
How soon are claims paid?
Most claims are paid within 24 hours of receiving the required documents. We move quickly to help your family when they need it most.
Can I qualify with a health condition?
Yes. Our guaranteed issue plans do not require medical exams or health questions. Approval is automatic for individuals within the eligible age range of 0–85 years.
How much does coverage cost?
Premiums vary based on age, coverage amount, and policy type—but our plans are designed to be affordable. Many start at less than $1 per day.
What if I already have a life insurance policy?
Final expense and burial insurance can supplement existing life insurance. Many families use them to cover funeral costs so the primary policy can go toward long-term needs.
Is this a one-time payment or monthly?
You can choose between monthly premiums or lump-sum payment options. We’ll help you decide what works best for your budget.
What does the death benefit cover?
Death benefits can be used for any purpose—funeral costs, household bills, medical debt, education expenses, or simply easing the financial transition for your loved ones.
Contact Us
Ready to Protect Your Family?
If you're ready to start planning or want to learn more, we’re here to walk you through your options. We offer personalized phone consultations to explain our products and help you find the right policy.
We serve residents of Virginia, Texas, North Carolina, South Carolina, Maryland, West Virginia, Tennessee, Kentucky, Ohio, Indiana and are committed to delivering honest, accessible insurance support—whether you need help now or you're just beginning to plan.
No matter your end of life plans, have your family covered.
Contact Information
Mon–Fri: 9:00 AM 6:00 PM Saturday: By appointment only
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