Life insurance, compared for you.
Our licensed agents shop about 110 carriers by phone. Start with what you want the money to do.
What do you want the policy to do?
- Pay for a funeral and final billsFinal expense or burial insurance
- Keep the house if you dieMortgage protection or term life
- Replace your income while kids are youngTerm life
- Coverage that never expiresWhole life or IUL
- Serious health problemsGuaranteed issue
- Grow savings without market lossesA fixed or fixed index annuity
Every type of coverage we place.
- Final expenseFinal expense insurance is a small permanent life insurance policy meant to pay funeral costs and other bills after death. Your beneficiary gets a tax-free lump sum and can spend it on anything. Approval often depends on a few health questions, and price depends on age, health, tobacco use, state, and carrier.
- Burial insuranceBurial insurance is a small whole life policy that pays a cash benefit to your beneficiary for funeral and burial costs. It is the same product as final expense insurance under another name. It is not a pre-need funeral contract, which is sold by a funeral home and tied to that provider.
- Mortgage protectionMortgage protection insurance is life insurance sold to help your family pay the mortgage if you die. It usually pays your beneficiary, not the lender. It is different from PMI, which protects the lender if you stop paying. Often a regular term life policy gives the same protection for less.
- Term lifeTerm life insurance pays a death benefit only if you die during a set period, such as 10, 20, or 30 years. It is generally cheaper than permanent coverage, especially early on. When the term ends, coverage stops unless you renew or convert. It fits temporary needs like a mortgage or raising children.
- Whole lifeWhole life insurance covers you for your entire life if you keep paying. It has a fixed death benefit, level premiums, and a cash value that grows over time. It costs more than term coverage for the same amount. It fits lifelong needs, such as final costs or leaving money to heirs.
- Indexed universal lifeIndexed universal life is permanent life insurance with a cash value account that earns interest linked to a market index, such as the S&P 500, without direct investment in the market. Caps limit gains and a floor limits losses. Costs, changing rates, and loan risks mean illustrations are projections, not promises.
- Guaranteed issueGuaranteed issue life insurance accepts applicants within an age range with no health questions and no medical exam. In return, it costs more per dollar, has low coverage limits, and usually has a waiting period of about two to three years where death from illness pays back premiums plus interest instead of the full benefit.
- No-exam life insuranceNo exam life insurance means you do not need a medical exam. You may still answer health questions, and the insurer may check prescription and medical databases. The three main types are simplified issue, guaranteed issue, and accelerated underwriting. Price is often higher than fully underwritten coverage, and limits are lower.
- Accidental deathAccidental death insurance pays a benefit only if an accident causes your death. AD&D also pays a share for covered losses such as limbs or sight. It does not pay for illness, which causes most deaths. It works as a low-cost add-on, not as a replacement for life insurance.
- SeniorsSeniors can usually still buy life insurance. At 50 and 60, term, whole life, and no-exam plans are common. At 70 and 80, options narrow to whole life, final expense, and guaranteed issue, often in smaller amounts. Price and approval depend on age, health, state, and carrier, so comparing carriers matters most.
- CostLife insurance cost depends on your age, health, tobacco use, coverage amount, policy type, term, state, and carrier. Term costs the least for the same death benefit. Whole life and final expense cost more because they last for life. There is no single average that fits you, so get quotes from several carriers.
- AnnuitiesAn annuity is a contract with an insurance company. You pay in a lump sum or over time, and the insurer pays interest or income later. Fixed annuities credit a stated rate. Fixed-index annuities link credits to an index. Both usually carry surrender charges, so early withdrawals can cost you.
Guides for families.
- How much does final expense insurance cost, and what sets the price?
- Guaranteed issue vs simplified issue: which fits your health and age?
- Burial insurance vs life insurance vs pre-need funeral plans: what is the difference?
- Can you still get life insurance over 70? Options that still work
- Mortgage protection vs term life vs PMI: who does each one protect?
- How do you file a life insurance claim after a loved one dies?
- Indexed universal life (IUL) explained: caps, floors, costs, and risks
- Fixed vs fixed index annuity: how do they work and who do they fit?
Common questions.
How are life insurance agents paid?
In general, insurance carriers pay agents a commission when a policy is issued, and the carrier sets the premium. Ask your agent how they are paid on the policy they recommend.
Is Epic Life an insurance company?
No. Epic Life Group is an independent agency. Our licensed agents compare policies from about 110 carriers, and the carrier you choose issues the policy and pays the claim.
Can I buy life insurance over the phone?
Yes. Many carriers let a licensed agent take the application by phone, with a voice or electronic signature. Some products still need an exam or extra records. Your agent tells you which before you apply.
What do I need ready for a quote call?
Your date of birth, height and weight, tobacco use, current medications and major health history, the coverage amount you have in mind, and a monthly budget. A bank account is needed only if you decide to apply.
Talk to a licensed agent.
Tell us what you need and request a call from a licensed Epic Life agent who compares carriers.
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