Burial insurance, explained by one person who will still answer the phone next year.
Alec Rounsaville is an independent life insurance broker licensed in 16 states. He compares eight carriers for you, tells you which one actually fits, and handles the whole thing by phone. No exam, no office visit, no pressure.
Independent broker. Not a carrier, not a call center, not a government program.
What final expense insurance is, in plain words.
It is a small whole life policy, usually between $5,000 and $40,000. It exists to pay for one thing: the bills your family gets in the weeks after you pass. The funeral home, the burial or cremation, the headstone, the last medical statements.
The premium is fixed the day the policy is issued. It does not go up when you get older or when your health changes, and the carrier cannot cancel it. The money is paid directly to the person you name, usually within days, and they can use it for whatever is needed.
There is no medical exam. You answer a short list of health questions on the phone. Most people with diabetes, blood pressure, heart history or past cancer can still be covered. It comes down to which carrier you apply with, and that is Alec's job.
How it works
- 1
Tell Alec a little about yourself
Your age, your state, whether you have any coverage now, and roughly what you want it to pay for. Two minutes on the form or one phone call.
- 2
He compares the carriers for you
Alec is independent and appointed with eight carriers. He runs your details through each one and comes back with the two or three that fit you best, with the real monthly cost of each.
- 3
You choose, and the policy is yours
Most applications are done over the phone with a few health questions, no exam. Many are approved the same day. The policy is issued in your name and stays with you for life.
Carriers Alec is appointed with: Mutual of Omaha, Transamerica, Corebridge Financial, Foresters Financial, American Amicable, F&G, SBLI, Ethos.
About Alec
Alec is based in Illinois and works with families across 16 states. He is an independent broker, which means he does not work for any one insurance company. He is appointed with eight carriers and gets paid the same whichever one you pick, so the only reason to recommend one over another is that it fits you better.
Most of his clients are over fifty and have been putting this off. They usually want two things: to know their family will not be handed a bill, and to not be talked down to while they sort it out. He takes both seriously.
You will talk to Alec directly, on the first call and every call after it. If he is on the line with someone else, he calls you back the same day.
Licensed in 16 states
- Arizona
- Colorado
- Florida
- Illinois
- Kentucky
- Maryland
- Michigan
- Minnesota
- North Carolina
- New Jersey
- Ohio
- Pennsylvania
- Texas
- Virginia
- Washington
- Wisconsin
Everything is done by phone and e-signature, so it does not matter which of these you live in. If your state is not listed, Alec cannot write your policy and will tell you so on the first call.
Questions people ask before they call
What does final expense insurance actually cover?
It is a small whole life policy, usually between $5,000 and $40,000, meant to cover what your family owes when you pass: the funeral home, the burial or cremation, the headstone, the last medical bills, and whatever else lands on the kitchen table that month. The money is paid to the person you name, and they can use it however they need to.
Do I need a medical exam?
No. The policies Alec writes use a short set of health questions instead of an exam. No blood work, no nurse visit. Most people find out within a day whether they are approved, and many are approved on the first call.
Can I get coverage with health problems?
Usually, yes. Diabetes, high blood pressure, heart history, COPD and past cancer are all things carriers see every day, and different carriers treat them differently. That is the point of working with an independent broker: Alec knows which carrier will take which condition.
Can the premium go up, or the policy be cancelled?
No. Whole life means the premium is fixed the day the policy is issued and the coverage never expires as long as the premium is paid. The carrier cannot raise your rate because you got older or your health changed, and cannot cancel you.
What does it cost?
It depends on your age, sex, health, tobacco use, state and the amount of coverage. There is no honest way to put one number on a website. Alec will give you exact figures from several carriers before you decide anything.
Is Alec an insurance company?
No. He is an independent, licensed insurance broker. He is not a carrier and is not affiliated with any government agency, Social Security or Medicare. If you take a policy, the carrier pays him a commission; you never pay him directly.
Get your numbers from Alec
Tell him a little about your situation. He will compare the carriers and call you back with real monthly figures, the ones that fit and the ones that do not.
- You talk to Alec, not a call center.
- Your details are never sold to other agents.
- No exam. Health questions only.
- Prefer to talk now? Call (815) 715-7145.