Business Details
12 Years
experience
Emergency
services
Trusted Final Expense Insurance Solutions
Choice Mutual is an independent insurance agency specializing in final expense insurance solutions for seniors across the United States. Founded in 2014, our mission is to provide accessible, transparent, and personalized insurance options that alleviate financial burdens associated with end-of-life expenses. With partnerships spanning over 25 top-rated insurance providers, we offer guaranteed acceptance policies, no-exam coverage, and tailored plans for individuals with pre-existing conditions. Our team of licensed experts prioritizes client education, offering comprehensive resources including funeral cost calculators, comparative pricing tools, and state-specific guidance. We maintain a BBB A+ rating and Trustpilot 4.9/5 score, reflecting our commitment to exceptional service.Our salary-based advisors eliminate commission-driven sales pressure, ensuring unbiased recommendations aligned with clients' unique needs. Through continuous innovation, including a free mobile app for instant quotes, we empower Americans to secure affordable burial insurance policies that protect loved ones from unexpected financial strain.
Services
Burial Insurance
Cremation Insurance
Guaranteed Acceptance
No Exam Policies
Senior Coverage
Pre-Existing Conditions
Children's Life Insurance
Policy Comparisons
Funeral Planning
Mobile App Quotes
Details
- Year established: 2014
Highlights and features
- 24/7 personalized customer support from salary-based advisors
- Independent comparisons from 25+ top-rated insurance providers
- Specialized expertise in final expense insurance since 2014
- Transparent pricing with no hidden fees or commission-driven sales
- Award-winning customer service with thousands of 5-star reviews
Associations and certifications
- BBB A+ Rating
- Trustpilot 4.9/5
What people say
Exceptional professionalism
Quick policy approval
Compassionate support
Transparent pricing
Expert guidance
Services
Burial Insurance
Burial insurance provides financial protection for end-of-life expenses including caskets, funeral services, and cemetery costs. This permanent life insurance solution ensures beneficiaries receive tax-free payouts to cover these expenses without financial strain. Policies range from $1,000 to $50,000 with options for immediate or graded coverage based on health status.
Cremation Insurance
Cremation insurance specifically addresses cremation-related expenses averaging $2,183-$6,280. These whole life policies build cash value over time while maintaining fixed premiums. Beneficiaries receive immediate payouts to cover cremation services, urns, and memorial events without waiting periods for qualified applicants.
Guaranteed Acceptance
Guaranteed acceptance policies ensure coverage approval regardless of health status. These no-medical-exam plans require two-year waiting periods before full benefits activate, with premium refunds plus interest if death occurs during this period. Ideal for applicants with serious health conditions.
Senior Coverage
Senior-focused policies provide affordable protection for ages 45-89, with simplified underwriting and immediate coverage options. Plans accommodate age-related health concerns while maintaining cash value accumulation features and fixed premium structures throughout policyholders' lifetimes.
Policy Comparisons
Our independent agency compares 25+ providers' policies across 12 coverage tiers and 10 health profiles. The service includes personalized rate comparisons, benefit analysis, and recommendation reports to help clients select optimal coverage based on individual circumstances.
People
Anthony Martin
CEO
Nationally licensed agent with 15+ years' experience, serving 10,000+ clients. Forbes contributor and expert in senior life insurance solutions, holding top 0.001% production ranking nationally.
Jeff Root
Life Insurance Expert
19-year industry veteran with 3,000+ clients served. Best-selling Amazon author and managing partner overseeing 2,500+ licensed agents nationwide.
David Duford
Life Insurance Expert
14-year experienced agent with 15,000+ policies sold. Recognized authority featured in A.M. Best and Insurancenewsnet, operating major educational YouTube channel for insurance professionals.
Questions
What is final expense insurance?
A type of whole life insurance covering funeral costs and end-of-life expenses, typically $1K-$50K, with guaranteed acceptance options.
How much does burial insurance cost?
Monthly rates range $12-$300 depending on age, health, and coverage amount, with guaranteed issue policies requiring no medical exam.
Can I get coverage with pre-existing conditions?
Yes, guaranteed acceptance policies available for applicants with diabetes, COPD, cancer, and other chronic conditions.
How quickly are claims paid?
Most policies pay out within 24-48 hours after claim submission with required documentation.
Is there a waiting period?
Guaranteed issue policies have 2-year waiting periods; health-question plans may offer immediate coverage upon approval.
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