Final expense, term and whole life from GoldCrest Life. We compare top carriers, tell you plainly what you qualify for, and most policies are decided in minutes with no medical exam.
Every family needs something different. We start with what the money is for, then find the carrier and the policy that fit, at a premium you can keep paying.
Pays for the funeral, final medical bills and the small debts that get left behind, so your family isn't handed the cost. The premium never rises and the coverage never expires.
Best for: ages 50 to 85 who want something simple, permanent and affordable.
The most coverage for the least cost, for a set number of years. It replaces a paycheck, pays off the house and keeps the kids' plans on track if you're not there to see them through.
Best for: working adults with a mortgage, children or a spouse who depends on their income.
Permanent coverage with a premium that's fixed for life and a cash value that grows over time. One policy you'll never have to replace, and something to leave behind no matter when.
Best for: anyone who wants to lock in a rate for good and leave a guaranteed amount.
Term coverage matched to your mortgage balance and term, so the house is paid off and your family stays in it. Many policies add living benefits you can use if you become seriously ill.
Best for: homeowners who want the mortgage gone if the worst happens.
| At a glance | Final expense | Term life | Whole life |
|---|---|---|---|
| What it's for | Funeral, final bills, small debts | Replacing income, paying off the house | A guaranteed amount left behind, whenever |
| Typical amount | $5,000 – $50,000 | $100,000 – $2,000,000 | Sized to what you want to leave |
| Medical exam | No. Health questions by phone | Usually none up to a carrier's limit | Depends on the amount |
| Your payment | Fixed for life. Never goes up | Fixed for the term you choose | Fixed for life. Builds cash value |
| How long it lasts | Your whole life | 10, 20 or 30 years | Your whole life |
| Usual ages | 50 – 85 | 20 – early 60s | Most ages |
Life insurance only matters on the worst day of your family's life. Everything we do is built around one thing: making sure the policy pays on that day. Here's what that means in practice.
Every life insurance policy has a two-year contestability window. If something happens in that window, the carrier pulls medical records and pharmacy history before paying. An application that was "cleaned up" can be rescinded, the premiums refunded, and the claim denied. An honest application is the only kind that pays, so that's the only kind we write.
Most simplified-issue decisions come from the prescription database, not the questions. Ninety seconds on your medications up front means the premium we quote is the one you're actually approved for, not a number that comes back higher after the carrier runs its check.
Some health histories mean a graded policy, with a reduced benefit in the first two years, or a guaranteed-acceptance policy. Those are real, useful coverage. We explain exactly how they work before you sign, and we never dress one up as something it isn't.
If underwriting comes back at a different rate than we quoted, we tell you the new number and what most likely drove it. You decide. A quote isn't final until the carrier approves it, and we'll never pretend otherwise.
If you have group life through your job, keep it; nothing beats free. If a policy has been assigned to a funeral home, replacing it can undo the funeral it was funding. We ask about both before we recommend anything, and when a replacement does make sense, the new policy is in force before the old one is cancelled.
The two texts you receive at the end are a HIPAA authorization, which lets the underwriter check your health history and nothing else, and your electronic signature. We tell you what each one is. Nobody signs for anyone else.
Your policy packet arrives in five to ten business days. Read it. If anything isn't what we discussed, you cancel inside the free-look period and get every penny back.
No office visits, no paperwork in the mail, no needles. Everything happens over the phone and by text, at a pace you set.
Fill in the short form below or call. Tell us what the coverage needs to do.
Who it's for, your health, your medications, your budget and how you'd like to pay. Those answers decide which carrier fits.
We compare our carriers and bring you the one that fits, with its exact monthly premium and anything you should know. You decide.
Apply by phone and sign by text. Most carriers decide within minutes. Your packet arrives in 5 to 10 business days with a free-look period.
After you hit send: we call within one business day from (561) 772-6205. Save the number so you know it's us. If you'd rather not wait, call now.
Call (561) 772-6205No exam and no doctor's statement. Carriers decide from the health questions, an instant prescription-history check and an industry application database. Most answers come back in about five minutes.
Full benefit from the first day, often at a standard rate.
Still coverage, with a reduced benefit for natural causes in the first two years.
A graded policy commonly returns your premiums plus interest if death is from natural causes in the first two years, then pays in full. Guaranteed acceptance usually caps around $25,000 per policy. We'll tell you which one you're looking at, and why.
Tell us about these up front and we'll route you to the carrier that takes them.
The honest caveat: every carrier has its own rules and they change. Nothing on this page is a promise of approval, and a quote isn't final until the carrier's underwriting decides. The only way to know for sure takes about ten minutes on the phone.
We give you the carrier's exact monthly number before you decide, never an estimate. Here's what goes into it.
Every birthday raises the rate, which is the one reason not to wait. Where a carrier allows it, we can date a policy to just before your last birthday to lock the lower rate; you pay the premiums back to that date, and we walk through the math with you.
Any tobacco or nicotine in the last 12 months means smoker rates, and carriers test for it. Twelve months tobacco-free usually requalifies you for non-smoker rates, and some carriers will give them to you now if you commit to quitting.
Your answers and your prescription history decide the rate class. Controlled conditions usually price normally. We check your medications before quoting so there are no surprises.
More coverage costs more, but the right number is the one that does the job without straining the budget. A smaller policy that stays in force beats a bigger one that lapses.
Day-one coverage pays in full from the start. Graded coverage costs more per dollar and limits the benefit in the first two years. We always quote day-one coverage first and only move to graded when your health history requires it.
Monthly bank draft is standard, and most carriers can draft on the day your Social Security deposit lands. A few carriers require a traditional checking account; others take debit cards and online banks. Tell us how you bank and we'll pick a carrier that fits.
Each carrier treats age, health, medications and payment differently. Being independent means we place you with the one whose rules fit you, not the one that pays us.
Carrier availability varies by product, age, health and state. Your policy is issued and backed by the carrier that underwrites it.
Usually not. Final expense and most simplified-issue policies are decided from health questions you answer on the phone, an instant prescription-history check and an industry application database. No blood draw, no doctor's statement, and many carriers answer within about five minutes.
Very likely, yes. Carriers treat the same condition very differently, which is exactly why we're independent. A decline at one company often means a different carrier, a graded policy or a guaranteed-acceptance policy, and we'll tell you plainly which one you're looking at.
Enough to cover the funeral and the bills that follow it. A funeral with burial commonly runs well into five figures once the cemetery and headstone are counted; cremation is less. Most people choose between $10,000 and $25,000, and we size it to your budget, because a policy you can keep paying is the one that pays out.
It depends on your age, health, tobacco use, the policy type and how much coverage you want. We give you the carrier's exact monthly premium before you decide, never an estimate. Final expense and whole life premiums are fixed, so the number you start with is the number you keep.
On final expense and whole life, no. The premium is locked for life and the coverage can't be cancelled as long as it's paid. On term life, the premium is level for the term you choose (10, 20 or 30 years) and rises only if you keep it past that.
With most carriers, yes. We set the draft date to the day your deposit arrives, and the first payment can usually be scheduled up to about a month out. Tell us how you bank before we quote: a few carriers only draft from a traditional checking account, while others accept debit cards and online banks.
A policy that pays a reduced benefit, commonly your premiums back plus interest, if death is from natural causes in the first two years, then the full amount after that. Accidental death is usually covered in full from day one. It exists so people with serious health histories can still be covered. We'll always tell you if that's what you're being offered.
Many carriers decide within minutes of the application. Coverage begins once the policy is issued and the first payment is made, often the same week. Your printed policy packet follows in five to ten business days.
Every new policy comes with a free-look period after it's delivered, typically 10 to 30 days. Read it over. If anything isn't what we discussed, cancel and get a full refund, no questions asked.
Often not. Group life through your employer is almost never worth replacing, and a policy assigned to a funeral home usually can't be replaced without undoing the funeral it funds. We'll only recommend a replacement when the new policy clearly serves you better, and the new one is in force before the old one is cancelled.
Yes, at any time and at no cost. Call us and we'll handle the form with the carrier.
No. GoldCrest Life is an independent insurance agency licensed in Florida. We represent you in choosing a carrier, and your policy is issued and backed by the insurance company that underwrites it. We are not connected with Medicare, Medicaid or the Social Security Administration.
They call us. We help them file the claim with the carrier, gather what's needed and stay on it until it's paid.
Two quick steps. We'll call you back with real numbers from the carriers that fit. No pressure, no obligation, and nothing to pay unless you choose a policy.