Company Reviews

GTL (Guarantee Trust Life) Burial Insurance Review (2026)

Home›Reviews›GTL Our Verdict: Recommended · 4.5/5 Guarantee Trust Life (GTL) is the carrier we reach for when others say no. Its graded final expense plan accepts a wide range of harder-to-place health, covers ages 40–89 up to $20,000, and is backed by an A- (Excellent) rating. The trade-off is a 1–2 year graded period —…
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Foresters Financial Burial Insurance Review (2026)

Home›Reviews›Foresters Financial Our Verdict: Recommended · 4.5/5 10-minute read 25+ Companies reviewed A AM Best rating $30–$185 Typical monthly rate No exam Required to apply Foresters Financial is a fraternal benefit society offering the flexible PlanRight final expense policy, with three tiers to match a wide range of health and a unique set of…
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Royal Neighbors Burial Insurance Review (2026)

Home›Reviews›Royal Neighbors Our Verdict: Recommended · 4.5/5 10-minute read 25+ Companies reviewed A- AM Best rating $30–$185 Typical monthly rate No exam Required to apply Royal Neighbors of America is a not-for-profit fraternal benefit society offering competitive final expense coverage — and it is notably friendly to women and to many health conditions. With…
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American Amicable Burial Insurance Review (2026): Low-Cost Leader?

Home›Reviews›American Amicable Our Verdict: Recommended · 4.5/5 10-minute read 25+ Companies reviewed A AM Best rating $30–$185 Typical monthly rate No exam Required to apply American Amicable is a final-expense specialist that is frequently one of the lowest-priced carriers in the market. It offers day-one coverage with no medical exam through its Senior Choice…
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Gerber Life Burial Insurance Review (2026): Pros & Cons

Home›Reviews›Gerber Life Our Verdict: Recommended · 4.5/5 A (AM Best)Financial strength ModestCoverage (50–80) 2 yearsWaiting period (GI) NoDay-one coverage Key takeaways True guaranteed acceptance — no one is declined. Premiums are locked for life; a trusted household brand. 2-year waiting period on the guaranteed-issue plan. Modest coverage; higher cost per $1,000 than simplified issue. Gerber…
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Aflac Burial Insurance Review (2026): Is It Worth It?

Home›Reviews›Aflac Our Verdict: Recommended · 4.5/5 A+ (AM Best)Financial strength $5k–$50kCoverage (45–80) None (level)Waiting period YesDay-one (level) Key takeaways Day-one coverage for many high-risk conditions (COPD, MS, Parkinson’s, diabetes). No build chart; competitive at younger ages. Aflac/Aetna administration split can confuse applicants. Best known for supplemental insurance; availability varies. Aflac is one of the most…
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Transamerica Burial Insurance Review (2026): Honest Look

Home›Reviews›Transamerica Our Verdict: Mixed · 3.5/5 10-minute read 25+ Companies reviewed A AM Best rating $30–$185 Typical monthly rate No exam Required to apply Transamerica is one of the largest and most established life insurers in the country, and its final expense whole life policies are widely sold. With day-one coverage options, flexible amounts,…
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Mutual of Omaha Burial Insurance Review (2026): Pros, Cons & Rates

Home›Reviews›Mutual of Omaha Our Verdict: Recommended · 4.5/5 10-minute read 25+ Companies reviewed A+ AM Best rating $30–$185 Typical monthly rate No exam Required to apply Mutual of Omaha is one of the most recognized names in insurance, and its Living Promise final expense policy is a popular, highly-rated option. With an A+ financial…
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Aetna Burial Insurance Review (2026): Pros, Cons & Rates

Home›Reviews›Aetna Our Verdict: Recommended · 4.5/5 A (AM Best)Financial strength $2k–$50kCoverage (40–89) None (level)Waiting period YesDay-one (level) Key takeaways Accepts applicants to age 89 with lenient underwriting (no build chart). Day-one level coverage when you qualify. Especially strong for tougher health — COPD, CHF, diabetes. Less competitive in the early 60s; policy arrives in ~3…
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