01
Coverage that lasts
Most final expense plans are whole life policies with fixed premiums and lifelong protection as long as premiums are paid as required.
Austin-based · Final Expense Life Insurance
Protect your family
from last-minute costs.
Texas Life Advisors helps families across Austin and Texas compare final expense life insurance from the carriers you trust. Funeral costs, medical bills, and immediate household expenses should not fall on the people you love.
Prefer another option? Request a quote or call 512-765-4994.
Mutual of Omaha
Aetna Senior Products
Foresters Financial
Corebridge Financial
ManhattanLife
Meet your advisor
A real advisor.
Experience built around people.
Jesus Escamilla
Independent Insurance Advisor · Texas Life Advisors
Before insurance, I spent 10 years in healthcare recruitment and staffing — leading a nursing-staffing branch and helping hospitals, clinics, and healthcare teams find the people they needed. That work taught me to listen closely, make complicated choices easier to understand, and follow through when the stakes are personal.
I brought that same people-first approach into life and health insurance in 2024. Today, I research multiple policy options, explain underwriting and benefit differences in plain language, and help Texas families make a confident decision without sales pressure or a call-center handoff.
Outside of work, I am a USA Pickleball member and a Third Degree member of the Knights of Columbus. Encouragement, fellowship, and service are values I try to bring to every client conversation.
Health Science background
Healthcare recruitment and staffing
USA Pickleball member
Knights of Columbus · Third Degree
Healthcare foundationDegree in Health Science
10 years in healthcare recruitment and staffing
10 years in healthcare recruitment and staffing
Texas-licensedGeneral Lines Agent
License 3129397
NPN 21020470
License 3129397
NPN 21020470
Professionally insuredCurrent errors and omissions coverage maintained
Why families choose it
Small policy. Big relief
for the people you love.
Final expense insurance can help cover funeral and burial costs, unpaid medical bills, small debts, and short-term household needs — often without a full medical exam.
1 call
to compare multiple carriers with a single advisor
Whole life
permanent coverage with predictable, fixed premiums
No exam
simplified underwriting on many plans *
Austin
local, Texas-based guidance with a personal touch
02
Accessible underwriting
Many plans use simplified underwriting and may not require a full medical exam, making the application process more manageable for older adults.
03
Immediate family relief
Coverage can help loved ones handle funeral arrangements, memorial costs, outstanding bills, and the first wave of practical expenses without delay.
Carrier options
Trusted carriers.
Clear comparisons.
Texas Life Advisors helps you compare a range of final expense solutions from carriers your family will recognize.
Mutual of Omaha
Living Promise
Level and graded whole life options with simplified underwriting for final expense planning.
Aetna Senior Products
Final Expense Whole Life
Permanent coverage options designed for funeral, burial, medical, and other final costs.
Foresters Financial
PlanRight
Whole life protection with guaranteed level premiums and member-oriented benefits.
Corebridge Financial
SimpliNow Legacy
Simplified final expense solutions with benefit designs matched to health and eligibility.
ManhattanLife
Secure Advantage
Immediate-benefit whole life coverage for final expenses and smaller legacy needs.
Compare final expense options at a glance
Use this as a starting point—not a quote. The right option depends on your age, health history, budget, and when you want the full benefit available.
| Carrier and product | Benefit structure | Published ages and coverage | Application | Notable difference |
|---|---|---|---|---|
| Mutual of OmahaLiving Promise | Level or graded The level plan can provide the full face amount from day one; the graded option has an early limited-benefit period. |
Level: ages 45–85, $2,000–$50,000 Graded: ages 45–80, $2,000–$20,000 |
Simplified underwriting with health questions and carrier review. | Terminal-illness or nursing-home-confinement benefit and an optional accidental-death rider on qualifying level plans. |
| Aetna / AccendoFinal Expense Whole Life | Level or modified The available benefit design depends on the product and underwriting result. |
Ages 40–89 $2,000–$50,000; maximums vary by age and plan. |
No medical exam; simplified yes/no health application. | Accelerated-death, accidental-death, and children’s term riders may be available on qualifying level plans. |
| Foresters FinancialPlanRight | Two level options and one graded option Preferred and Standard are level; Basic has a limited benefit during the first two years. |
Ages 50–85 $5,000–$35,000; maximums vary by age and plan. |
No paramedical exam or fluid collection; health questions and underwriting searches apply. | Terminal-illness and common-carrier accidental-death riders may be included, depending on the approved plan. |
| Corebridge FinancialSimpliNow Legacy | Full or limited benefit A full-benefit option may pay the face amount in all years; the limited option pays 110% of premiums during the first two years. |
Confirmed during your quote Current Texas age and face-amount limits depend on the available product and policy form. |
No medical exam with streamlined, automated underwriting. | Accelerated-death benefit options may be included, with an accidental-death rider potentially available at added cost. |
| ManhattanLifeSecure Advantage | Immediate full benefit Coverage is designed without a waiting period for the full death benefit. |
Ages 0–85 $3,000–$50,000 through age 49; $5,000–$25,000 for ages 50–80; $5,000–$15,000 for ages 81–85. |
Health questions and electronic underwriting review apply. | Guaranteed rates and cash values, with an optional accidental-death benefit rider. |
Published ranges are general carrier information—not a quote, policy summary, or guarantee of approval. Texas availability, issue ages, face amounts, benefit timing, riders, premiums, and eligibility depend on current carrier rules, the issued policy form, and underwriting. Review the policy carefully before purchasing.
Why comparing carriers matters
There's no single best policy for everyone. The right fit depends on age, health history, tobacco use, budget, and benefit timing preferences. Texas Life Advisors narrows the options so the choice feels clear — not overwhelming.
How it works
Three simple steps
to your coverage.
The goal is not to overwhelm you — it's to help you compare real carriers and choose a policy that protects your family without straining your budget.
1
Share your basics
Provide your age, contact info, and target coverage amount so the conversation starts in the right range — nothing complicated.
2
Compare carriers together
Review options from Mutual of Omaha, Aetna Senior Products, Foresters Financial, Corebridge Financial, ManhattanLife, and others based on your health and insurability.
3
Apply with confidence
Move forward with the policy that best balances premium, benefit timing, and long-term peace of mind for your family.
Request a quote today
Get the protection
your family deserves.
Start here for a quote comparison or to find a final expense plan that fits your needs and your budget. No pressure. No obligation.
Request a callback
Leave your details and we'll follow up to review your options.
Questions & answers
Common questions
families ask.
Exact features vary by carrier, state approval, age, health answers, and policy form. Always confirm with carrier materials.
Still have questions? Call usIt is commonly purchased to help with funeral and burial costs, memorial services, smaller debts, medical bills, and other immediate end-of-life expenses. The benefit goes directly to the named beneficiary to use as needed.
Many final expense plans are simplified issue and may not require a full medical exam. Health questions often still matter, and your answers help determine which benefit design — level, graded, or modified — you qualify for.
Many whole life final expense policies are designed with level premiums that do not increase with age or changes in your health, as long as the policy stays in force under its terms.
Some applicants qualify for immediate full-benefit plans, while others may be offered graded or modified benefit options depending on health history and underwriting. Texas Life Advisors helps match you to the right benefit design.
Most people target $10,000–$25,000 to cover average funeral and burial costs plus a cushion for immediate household expenses. Your budget and local costs will guide the right number for your family.
There's no single best carrier. The right fit depends on your age, health history, tobacco use, desired coverage amount, budget, and how quickly you want full benefits available. Texas Life Advisors compares multiple carriers in one conversation.