Secure Tomorrow helps you compare final expense plans and get the options explained in plain language — free, with no obligation.
Prefer to talk? Call 1 (855) 950-4815
Premiums for these policies are based on your age at the time of application, and rates vary by state, carrier and the health answers on the application. A licensed agent will review your situation before quoting a price. Secure Tomorrow is a referral service, not an insurance agency, and does not sell policies.
Free, no obligation, about a minute.
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Call 1 (855) 950-4815
Thank you. A licensed agent will call to review your options. If you would rather not wait, you are welcome to call now.
Call 1 (855) 950-4815A small whole life policy meant to cover end-of-life costs rather than replace income.
Three steps, and you are never obligated to buy anything.
Your age range, ZIP code, and roughly how much coverage you have in mind. That's enough for an agent to narrow the field.
Different carriers underwrite health conditions differently. A licensed agent reviews which ones are likely to fit and what each would charge.
There's no cost to get the comparison and no obligation to buy. If you apply, the carrier makes the final underwriting decision.
No. Secure Tomorrow is a referral service. We are not an insurance company, agency, agent or broker, and we do not sell, solicit or negotiate insurance. We connect you with licensed insurance agency partners whose agents handle all quoting and sales. More detail is in our Privacy Policy.
We are paid a referral fee by the licensed insurance agency partner we connect you with. We are not paid by insurance carriers and receive no commission on any policy you buy. Your premium is set by the carrier and is not affected by our fee.
A licensed insurance agent from the agency partner your request is sent to. Your details go to one agency — not to a list of buyers. If you would rather not be contacted, reply STOP to any message or call us at 1 (855) 950-4815 and we will remove you.
The plans available through this service are generally offered to applicants between the ages of 50 and 85. Availability, pricing and maximum coverage vary by state and by carrier. Final eligibility is determined by the insurance carrier during underwriting.
Final expense policies are whole life products with level premiums, meaning the premium is fixed in the policy contract at issue and does not increase due to age or a later change in health. Your policy documents from the issuing carrier govern the specific terms.
No. These are simplified issue policies, which use a health questionnaire on the application rather than a paramedical exam. Carriers may still review prescription history and other records as part of underwriting.
It depends on the plan. Fully underwritten simplified issue policies typically pay the full death benefit from day one. Guaranteed issue policies — which ask no health questions — usually include a two-year graded period during which the payout is limited to a return of premiums plus interest. An agent will tell you which applies to your situation.
Your request is shared with a licensed insurance agency partner, and a licensed agent will contact you using the phone number or email you provided. Submitting the form is a request for information — it is not an application and does not bind coverage.
Free comparison from a licensed agent. No obligation.