Independent Final Expense & Burial Insurance Brokers for Seniors & Families
We started RyCo Life Solutions so no family gets left unprepared. RyCo is an independent life insurance brokerage that specializes in final expense insurance, burial insurance, and senior life insurance for families nationwide. Founded by two best friends, Ryan Vallett and Cody Witzel, we work with more than 30 A-rated carriers - including coverage for pre-existing conditions like diabetes, COPD, heart disease, and past cancer - to find honest, day-one coverage at a price that fits. Licensed in 48 states, we treat every client like our own family.
A note from Ryan, co-founder
In 2019, I watched my father pass away. He left me and my three brothers a $20,000 life insurance policy. It didn't make us rich - but it made a difference I will never forget. We had never prepared for a funeral, and figuring all of that out in the middle of grieving was overwhelming. That $20,000 meant we did not have to pull the money out of our own pockets while we were trying to say goodbye.
I know firsthand what coverage means to a family - and I have seen what it is like when someone passes without it. That is why Cody and I built RyCo. Too many people get sold a final expense or burial insurance policy they don't need, an overpriced plan, or a policy with a two- or three-year waiting period when they actually qualified for coverage from day one. We started RyCo to do the opposite: tell people the truth, find them the right fit, and treat them the way we would want our own families treated.
Two best friends who decided to do it right
RyCo - Ryan + Cody - was founded in 2024. We have worked together for more than ten years combined, and we each hold active life and health insurance licenses. No call center, no captive sales scripts - just two independent brokers who pick up the phone.
Ryan Vallett
Ryan works directly with families day to day on burial insurance, final expense coverage, and Medicare guidance. He is the long-term point of contact for many RyCo clients and has been a licensed insurance broker for about five years. Get your personalized quote →
Cody Witzel
Cody leads RyCo's independent carrier network and specializes in matching applicants with the carrier most likely to approve their specific health profile - especially tougher cases. He has been a licensed broker for about five years. See which carriers fit you →
What you get with RyCo that a call center can't offer
We are an independent life insurance brokerage, which means we work for you - not for one insurance company. Here is what that looks like in practice.
Day-one coverage when you qualify
We work with more than 30 A-rated carriers for one reason: to find the one that covers you from day one. In most cases, when you qualify, we can get you first-day coverage instead of a two- or three-year waiting period you never needed.
We specialize in tougher health cases
Diabetes, COPD, heart disease, a recent stroke, recently-treated cancer, lupus - the conditions other agents shy away from are the ones we know best. We know which carrier says yes to which profile, so a health history doesn't have to mean a worse policy.
We'll tell you the truth, even when it costs us
If a smaller policy fits your budget better, we'll say so. If the policy you already have is a good one, we'll tell you to keep it. We're not here to sell you something - we're here to get it right.
Free policy review, no strings attached
Already have coverage? We'll review it at no charge. We often find something better, cheaper, or day-one - and sometimes all three. If we can't improve on it, we'll tell you that too.
We're with your family at claim time
When a client passes, their family calls us - and we walk them through the claims process personally. We treat our clients like family, and we treat their families like family too.
Final expense and burial insurance built for real families
Most people who call RyCo want one simple thing: an affordable policy that protects their family from funeral costs, burial expenses, and final medical bills. No medical exam for most applicants.
Final expense insurance for seniors
A small whole life policy - typically $5,000 to $40,000 - designed to cover funeral costs, medical bills, and last expenses, with day-one benefits when you qualify. See how it works →
Burial insurance
The same purpose as a final expense policy, and often the term families search for. Fast approval, level benefits from day one when you qualify, and simple, affordable monthly premiums.
Why an independent life insurance brokerage matters
Coverage built around you
Working with an independent life insurance brokerage means you are never forced into a one-size-fits-all policy. We do the heavy lifting - comparing options across 30+ A-rated carriers - to find coverage that actually protects your family, without unnecessary waiting periods or hidden fees.
What families say about RyCo
Questions families ask us
What is final expense insurance?
What's the difference between burial insurance and final expense insurance?
Can I get day-one coverage with diabetes, COPD, or a heart condition?
Do I need a medical exam?
How much does coverage cost, and how much do people usually get?
Do you charge for a policy review?
What states does RyCo serve?
What happens when a claim is filed?
Let's find the right fit - honestly.
No pressure, no call center, no gimmicks. Get a free final expense quote in about 60 seconds, or book a call with a licensed RyCo broker to talk through your options.
Coverage, rates, waiting periods, and eligibility vary by state, age, health history, and carrier. RyCo Life Solutions is an independent insurance brokerage and does not represent every insurance company in every state. Insurance services may not be available in all states.