Adults 45 – 85
Final Expense
Cover the funeral, not the family.
See the plan
Licensed in 49 states
Protect What Matters. Build What Lasts.
Final Expense, Whole Life and IUL — fast quotes, plain English, and a licensed agent who actually picks up.
Call (202) 365-3584Free quote for America's familiesQuestion 1 of 6See what you qualify for
A few quick taps. Takes about two minutes — free, no obligation.
Or call (202) 365-3584Private & secure
- Licensed life insurance agent
- Fast quote review
- No-pressure guidance
- No medical exam options
- Proudly serving America's families
- Licensed in 49 states
- Free quote in 2 minutes
- No cost, no obligation
- Real agents in Dallas, Texas
We shop your profile across the A-rated carriers we are appointed with
Wehelpfamilieschoosecoveragetheyactuallyunderstand,andkeepitlongenoughtomatter.
Protecting today. Securing tomorrow.
- Years placing coverage
- 18+
- A-rated carriers shopped
- 12+
- States licensed
- 49
Independent agency — we are paid by the carrier when a policy is placed, so the quote you see is the carrier's own.
Final Expense, Whole Life and Indexed Universal Life — shopped across a dozen A-rated carriers, explained in plain English, and reviewed with you every year. One licensed agent from the first 15-minute call to the renewal, so nothing gets handed off and nothing gets lost.
It takes honesty to do this properly, so we will tell you when a smaller policy is the right answer — or when term insurance and a Roth IRA would serve you better than anything we sell. That is the whole business model: place cover that stays in force.
- Independent — never tied to one carrier
- Your full health profile quoted, not a guess
- Trade-offs named, not buried in the fine print
- The option that pays us less, shown anyway
- A dozen A-rated carriers on every case
- No medical exam on most Final Expense plans
- Written comparison inside 24 hours
- The same agent at renewal, every year
- Independent — never tied to one carrier
- Your full health profile quoted, not a guess
- Trade-offs named, not buried in the fine print
- The option that pays us less, shown anyway
- A dozen A-rated carriers on every case
- No medical exam on most Final Expense plans
- Written comparison inside 24 hours
- The same agent at renewal, every year
Pick the one that sounds like you. If you're not sure, that's fine — say so on the form and we'll work it out on the call.
Choose your coverage
Coverage built around your situation
Adults roughly 45 – 85 who want end-of-life costs already handled.
A small whole life policy that covers the funeral and the bills that arrive with it.
- Health questions only — no medical exam on most plans
- Premium locked for life, benefit never expires
- Paid to your family within days, not months
- Typical coverage
- $5k – $50k
- Issue ages
- 45 – 85
- Medical exam
- Usually none
Helping families protect what they have built
Long relationships are the foundation of coverage that actually pays
We would rather place a smaller policy that stays in force than a large one that lapses in year three. These are the numbers that follow from working that way.
Get My Free QuoteClient satisfaction
0%
Plain answers, fast callbacks, no pressure.
Claims paid in 14 days
0%
Usually before the first invoice arrives.
Client retention
0%
Still with us past the first annual review.
Approved with no exam
0%
Simplified-issue and accelerated underwriting.
Illustrative placeholders — replace with your own audited numbers before launch.
Why people choose Prime Financial
Insurance is confusing. We are not.
A licensed life insurance agent
The person who quotes you is the person who services the policy. No hand-off to a call center.
Fast quote turnaround
Most requests get a callback the same business day, and a written comparison within 24 hours.
No-pressure recommendations
We will tell you when a smaller policy — or no policy — is the right answer for you.
Explained in plain English
Caps, floors, riders and exclusions in words you can repeat to your spouse afterwards.
Independent, not captive
Your health profile goes to a dozen A-rated carriers. You see the ones that priced you best.
Call or form — your choice
Some people want to talk it through. Some want to fill in a box. Both work here.
What coverage is actually for
Nobody buys a policy for the policy
They buy it for the month after. Which is the only fair way to judge whether the one you own is the right size.
Get My Free Quote- Funeral & final costs
- The mortgage
- Your income
- What you meant to leave
- Cash value while living
The same family, either wayWithout coverage
- The funeral goes on credit cards
- A fundraiser is live within the week
- Bills fall to one income
- Long-term plans quietly get shelved
With the right plan
- Final costs are already paid for
- The benefit is paid in days, tax-free
- The household keeps its footing
- The plan you made still happens
Illustrative. Benefit amounts, payout timing and tax treatment depend on the policy issued and your circumstances.
Who we serve
Find the one that sounds like you
What fits depends on who is depending on you. Pick a card and we'll take it from there.
We find the gap, shop the market, and put the right policy in place.
From the first call through to the annual review, one licensed agent handles your case — comparing a dozen A-rated carriers and explaining the trade-offs in plain English.
Testimonials
Real feedback from families and drivers we placed coverage for — named, with the product they actually bought.
4.9
average from 310+ reviews
01 / 06
My husband drove for twenty-two years and we never once talked about what happens if he doesn't come home. Prime walked us through it in one evening at our kitchen table, and had the policy issued in nine days.
Client names abbreviated for privacy. Individual results vary; a testimonial is not a guarantee of future outcomes.
What we write
Four ways to be covered
By the numbers
What the last year looked like
- 98%
- Client satisfaction
- 94%
- Claims paid in 14 days
- 96%
- Client retention
- 71%
- Approved with no exam
Why Prime Financial
Insurance is confusing. We are not.
A licensed life insurance agent
The person who quotes you is the person who services the policy. No hand-off to a call center.
Fast quote turnaround
Most requests get a callback the same business day, and a written comparison within 24 hours.
No-pressure recommendations
We will tell you when a smaller policy — or no policy — is the right answer for you.
Explained in plain English
Caps, floors, riders and exclusions in words you can repeat to your spouse afterwards.
Independent, not captive
Your health profile goes to a dozen A-rated carriers. You see the ones that priced you best.
Call or form — your choice
Some people want to talk it through. Some want to fill in a box. Both work here.
Who we serve
Find the one that sounds like you
In their words
Families we have placed
My husband drove for twenty-two years and we never once talked about what happens if he doesn't come home. Prime walked us through it in one evening at our kitchen table, and had the policy issued in nine days.
Danielle R.
Spouse of an owner-operator · Amarillo, TX
I'm 1099. No 401(k), no match, nothing. They built an IUL around my settlement weeks so I fund it hard in the fall and back off in February. Four years in and I'm finally building something instead of just…
Marcus T.
Owner-operator, dry van · Joliet, IL
I'd been quoted three times and every agent pushed the same product. Prime was the first to actually show me the numbers side by side — including the option that paid them less. That's why I signed.
Priya N.
Nurse practitioner · Sacramento, CA
Mom's arrangements were already paid for before we ever walked into the funeral home. No siblings arguing, no credit cards, no fundraiser. I did not understand what that was worth until I needed it.
Alan W.
Retired foreman · Toledo, OH
No catch
What this costs you
No payment details
Not on the form, not on the call. Nothing is charged to see your options.
One agent, not a list
Your details are not sold on to lead buyers. You will not be called by six agencies.
No obligation
Take the comparison, think about it, or walk away. There is nothing to cancel.
A licensed agent
Licensed and accredited, and the same person who services the policy afterwards.
Talk to a licensed agent
Mon–Sat, 8am – 8pm CT
How it works
Four steps, no pressure at any of them
You can stop after step two with a free coverage analysis in hand and never hear from us again. Most people don't — but the option is the point.
01
Tell us what you need
Coverage type, date of birth, state, and a few questions specific to that product. No medical exam at this stage.
About 2 minutes
02
We shop the carriers
Your profile goes to a dozen A-rated carriers. We bring back the two or three that priced you best, trade-offs named.
Usually same business day
03
Review it with an agent
One call, on your schedule. What each option covers, what it excludes, what it costs — in words you can repeat.
15 – 20 minutes
04
Placed, then reviewed yearly
We handle the application and the underwriting, then come back every year so the cover ages with your life.
Most policies issue in days
Rather just talk to someone?
(202) 365-3584Tap to callMon–Sat, 8am – 8pm CTDallas, Texas
- Who answers
- A licensed agent. Not a queue, not a recording.
- How long
- About ten minutes. Short enough to do on a break.
- What it costs
- Nothing. No payment details are taken on the call.
Outside those hours, leave a message or email us — you will hear back the next working morning.
Before you fill anything in
Questions people ask before they trust us
Straight answers, including the ones that might talk you out of a product. If yours isn't here, call and ask — we answer every one.
Get My Free QuoteCall NowThe form takes about two minutes. Most people get a callback the same business day, and a written comparison of two or three carriers within 24 hours. If you would rather skip the form entirely, call and we will do it on the phone.
Before you fill anything in
No payment details
Not on the form, not on the call. Nothing is charged to see your options.
One agent, not a list
Your details are not sold on to lead buyers. You will not be called by six agencies.
No obligation
Take the comparison, think about it, or walk away. There is nothing to cancel.
A licensed agent
Licensed and accredited, and the same person who services the policy afterwards.
No cost, no obligation
See what you qualify for
A few short questions — no medical exam, no payment details, no obligation. Rates go up with every birthday, so two minutes today is the cheapest this decision will ever be.
What happens after you submit
- 1You answer a few quick questionsA handful of questions, about two minutes. No medical exam.
- 2We review your needsA licensed life insurance agent reads it before anything is quoted.
- 3You receive tailored optionsTwo or three carriers, side by side, with the trade-offs named.
- 4An agent calls when you askedYou pick the window. No robocalls, no drip campaign.
What are you looking for?
Step 1 of 3
Prefer to talk it through?
Mon–Sat, 8am – 8pm CT
Let's Talk
No form, no waiting. Call and a licensed agent will take your details and shop the market with you on the phone.
Mon–Sat, 8am – 8pm CT