Independent Life Insurance & Medicare Guidance
Compare final expense, burial insurance, whole life, term life, and Medicare options with licensed independent brokers who work for you — not one insurance company.
Or call a real licensed broker directly: 314-876-0334
Real people, real situations, real coverage options.
If any of these sound like you, you’re in the right place. We help families compare burial insurance, final expense, life insurance, and Medicare — including situations other agents say no to.
- Looking for burial or cremation coverage
- Comparing final expense insurance rates
- Tired of confusing $9.95 TV ads
- Turning 65 and confused by Medicare
- Worried you may not qualify because of health issues
- Trying to protect your spouse, children, or grandchildren
- Looking for no-medical-exam life insurance
- Replacing a policy that costs too much
Three simple steps. No pressure. No call center.
Tell us what you’re trying to protect
Funeral costs, family income, a mortgage, Medicare premiums, or long-term peace of mind — we start with what matters to you, not a sales pitch.
We compare real options
We compare 30+ A-rated carriers so you can review the rates and differences side by side — no hidden options, no captive bias.
You choose with confidence
No pressure. No scripted call center. Just clear options from a licensed broker you can call directly, anytime — before, during, and after the policy.
Burial insurance, life insurance, and Medicare coverage that fits your situation.
Most of our clients are looking for affordable burial or final expense coverage — small whole life policies designed to cover funerals, medical bills, and a few thousand dollars to help a loved one. We also write traditional term, whole life, and IUL policies for younger applicants and bigger needs.
Life Insurance Options
We help families compare senior life insurance, burial insurance, cremation coverage, whole life, term life, and IUL policies. Qualifying age range typically spans 0 to 89 — including options for healthy applicants AND people with diabetes, heart conditions, COPD, sleep apnea, and other health concerns.
- Final Expense / Burial — $5K to $50K to cover funeral & final bills
- Whole Life — permanent coverage with cash value that grows
- Term Life — affordable temporary coverage (10, 20, or 30 years)
- Guaranteed Issue — no health questions, for serious conditions
- Indexed Universal Life (IUL) — permanent coverage with cash value potential
Medicare Options
Original Medicare leaves real gaps — deductibles, coinsurance, prescription drug coverage, dental, vision. We help you compare Medicare Advantage (Part C) and Medicare Supplement (Medigap) plans so your doctors, your prescriptions, and your budget all fit. Coverage rules and plan options are defined by Medicare.gov, but you don’t have to navigate it alone.
- Medicare Advantage (Part C) — all-in-one plans, often $0 premium
- Medicare Supplement (Medigap) — covers Original Medicare gaps
- Part D Prescription Drug Plans — matched to your medications
- Dental, Vision & Hearing — standalone or bundled add-ons
- Annual Plan Review — we check your plan against new options each year
The agent on the other end of the 1-800 number works for them. We work for you.
30+ carriers, not 1
Captive agents at big-name insurance companies can only sell their own products. We compare options from 30+ A-rated carriers so you can review choices that actually fit your situation — not just the single carrier available to them.
No price difference to you
Carriers pay our commission regardless of where you buy. So you pay the same rate, get more options, and get unbiased advice on top.
Real humans, not scripts
Our team of licensed brokers — led by founders Ryan Vallett and Cody Witzel — picks up the phone when you call. No call center, no transfers, no upsell scripts — before, during, or after your policy is issued.
Real reviews from real clients.
A handful of our 300+ Google reviews. Real clients, real situations.
“I was introduced to Ryan by an associate to assist with our Medicare supplement needs. To say he went above and beyond to review our current coverage and find us the best fit for our future healthcare coverages is an understatement. He is educated on the current requirements and handled everything in a quick and timely manner. You will not be disappointed in his services.”
— Margai Bass
“Ryan is the man you need to call for your insurance needs! He helped me get affordable life insurance, and then he helped me get health insurance after mine was cancelled. He has a great personality and will work with you until he gets what you need. Never pushes one company — he looks at all the options and goes over them with you until you’re satisfied. He takes the time to answer ALL your questions and concerns.”
— Sheryl Moats
“I felt very comfortable from the start! Cody has such a comforting voice — I never felt pressured at any time. He explained the policies and why things could be declined or approved and the reasons. I feel so right with the policy I decided on! Thanks Cody! I will gladly recommend you to my family and friends.”
— Katie Cook
Straight answers about burial insurance, Medicare, and more.
What is final expense insurance, and is it different from burial insurance?
Final expense insurance is a small whole life policy — typically $5,000 to $50,000 — designed to cover end-of-life costs like funeral expenses, medical bills, and small debts. “Burial insurance” is the same product under a different name.
Most policies offer day-one full coverage for healthy applicants. For people with serious health conditions, graded-benefit options pay out a return of premium in the first two years and full benefit after. Premiums never increase, and the coverage never expires as long as you keep paying.
Can I get life insurance if I have diabetes or other health issues?
Yes — absolutely. This is specifically why we work with 30+ carriers. Many of them may consider applicants with Type 2 diabetes, high blood pressure, COPD, sleep apnea, and other health concerns. We compare options to help find a competitive rate based on your specific situation.
For more serious issues (active cancer, oxygen dependency, hospice care), we offer guaranteed issue policies that ask no health questions. Many people can qualify for some form of coverage even with health issues — the right option depends on your age, state, health history, and carrier availability.
Do I need a medical exam to qualify?
No. Every product we offer is “no medical exam” — no blood draws, no urine samples, no doctor visits required. Most policies are approved within minutes — all it takes is a quick phone call with a friendly expert to help you get exactly what fits you best.
How much burial or final expense coverage do most seniors need?
Funeral and cremation costs vary widely by location, provider, and service type. Many families plan for $10,000–$25,000 in final expense coverage to help cover funeral costs, unpaid medical bills, and small debts.
Some clients need more based on outstanding debts or specific end-of-life care plans. We’ll walk through exactly what fits your situation.
What’s the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage (Part C) is an all-in-one plan from a private insurer that replaces Original Medicare — usually with lower or $0 monthly premiums but a network of doctors and copays when you use services.
Medicare Supplement (Medigap) works alongside Original Medicare, covering deductibles, coinsurance, and copays — higher monthly premium but predictable costs and any doctor that accepts Medicare.
The right choice depends on your doctors, your prescriptions, your travel, and your budget. We help you compare both and pick the one that actually fits.
Why use an independent broker instead of calling one insurance company directly?
A captive agent at a big-name insurance company can only sell that one company’s products. We’re independent, so we shop 30+ A-rated carriers and find your best option.
There’s no cost difference to you — carriers pay our commission regardless of where you buy — but you get better choices and unbiased advice. If one carrier denies you or comes back with a high rate, we have alternatives ready.
How fast can I get coverage approved?
The reason we work with 30+ different companies is to get you approved within minutes. Most no-medical-exam policies are approved on the same phone call, with coverage starting that day or within a few business days.
Guaranteed issue policies (which ask no health questions) include a two-year graded benefit period before the full death benefit takes effect. We’ll explain exactly how this works during your call.
What happens after I have a policy — do you still help?
Yes. Insurance shouldn’t be a one-and-done sale. We help with beneficiary changes, address updates, premium questions, claim assistance for families, and annual reviews to make sure your coverage still fits as your life changes.
You’ll have direct access to our team of licensed brokers — no call center, no being transferred around. That’s the difference between working with an independent agency and calling a 1-800 number.