Final Expense Brokerage for Independent Agents
Final expense should be simple to sell and worth your time. Brokers Alliance gives independent agents a deep lineup of simplified-issue and guaranteed-issue carriers, real leads, modern quoting tools, and top final expense contracts, with no fee to contract. Call 877-833-4625 (877-83-FINAL) to get started.
What You Get with Brokers Alliance Final Expense
- An exclusive Final Expense Profit Sharing program, so you can share in the profit, not just the commission.
- A dedicated Final Expense Finder quoting tool to match clients to the right product fast.
- An exclusive final expense lead program to reach a more targeted market of potential clients.
- Top final expense contracts with competitive, market-leading commissions.
- Competitive graded death benefit and guaranteed issue options for clients who cannot qualify for full underwriting.
- Simplified underwriting and digital applications that move cases quickly.
- An online product training platform, custom business cards, and a marketing and prospecting portfolio.
Final Expense Carriers
Brokers Alliance gives final expense agents access to a broad lineup of top-rated simplified-issue and guaranteed-issue carriers. Carrier availability and appointments vary by state and product line. The current final expense lineup includes:
- AIG (Guaranteed Issue Whole Life)
- Americo
- Foresters Financial
- Gerber Life (Guaranteed Issue Whole Life)
- Great Western (Guaranteed Issue Whole Life)
- Kemper (Guaranteed Issue Whole Life)
- Nassau Re
- Prosperity Life
- Royal Neighbors of America
- Transamerica
- United Home Life
- Mutual of Omaha
Why Agents Choose Brokers Alliance for Final Expense
The right final expense partner combines top commissions, a broad lineup of carriers, no platform fees, and modern technology, while letting you stay independent and keep your book of business. Brokers Alliance is built that way. You get competitive commissions, multiple top-rated simplified-issue and guaranteed-issue carriers, no fee to contract, automated contracting and onboarding, and an advisor platform at no monthly charge.
Ready to write more final expense? Get contracted with Brokers Alliance or call 877-833-4625 (877-83-FINAL).
Frequently Asked Questions
What is final expense insurance?
Final expense is small-face whole life insurance built to cover burial, funeral, and end-of-life costs rather than to replace income. The death benefit is modest by design, the premium is level, and the policy issues quickly to older clients without a paramedical exam.
What is the difference between simplified issue and guaranteed issue?
Simplified-issue whole life asks a short set of health questions, skips the exam, and gives a qualifying client full first-day coverage. Guaranteed-issue whole life asks no health questions and accepts every applicant, but it carries a graded death benefit for the first policy years. A client who can pass the health questions belongs in a simplified-issue product.
How does an agent pick the right final expense carrier?
There is no single best carrier. Each carrier draws its health knockouts differently, so a broad shelf lets an agent place a client who would be declined or rated at one company at a better fit elsewhere. Brokers Alliance opens a deep final expense lineup spanning simplified and guaranteed issue.
Does Brokers Alliance charge agents a fee to sell final expense?
No. There is no contracting fee, no platform fee, and no monthly cost. The final expense lead program, training, and quoting tool come with the contract, and Brokers Alliance is paid by the carriers when business issues.