Protect your loved ones from financial hardship by covering end-of-life expenses

Budget-friendly life insurance without the medical examination

What to know

Final expense insurance is an affordable policy that can cover funeral costs, medical bills, and other final expenses, so your loved ones won't face financial hardship if something happens to you. This type of insurance lets you customize your coverage by choosing your own benefit amount, based on your individual needs and financial situation. Let us do the leg work and shop around for you to find you the best coverage at the right price for your budget - at no cost to you.

Benefits of IULs

Easy Application

Easy digital application, apply in minutes.

Affordable

Policies starting at just $20/month

Flexible

Adjustable premiums. Participate in investment returns with no downside.

Position

Coverage up to $1 million without medical exam.*

Guaranteed returns.

Find life insurance thats perfect for you

Your time is your most valuable resource. Our software combined with experienced agents, searches top insurance carriers to find the best coverage for you at the right price for your budget.

No medical exam, instant coverage policies are available. This is one of the most important phone calls of your life.

Don't delay - Schedule Your Call Today!

What Patients Say

Our patients are at the heart of everything we do. Their experiences reflect our commitment to providing compassionate care, trusted expertise, and personalized attention.

"Austin did all the shopping around for me to find the best benefits at the right price for my budget. I couldn't be happier."

Image

Cody Fisher

"The peace of mind in knowing my family will be taken care of if anything happens to me is worth its weight in gold."

Image

Kristin Watson

"I'm so thankful to know that if I'm injured and can't work my mortgage will still be taken care off. Such a relief."

Image

Albert Flores

Claim Your Free Online Consultation

Connect with our experienced agents from the comfort of your home and get expert guidance without any cost.

Frequently Asked Questions

Our Frequently Asked Questions section is designed to provide clear answers to common queries about our services, appointments, treatments, and policies.

What is Life Insurance?

Life insurance is a way of transferring financial risk from you to someone else - in this case the life insurance company. Just like you insure your car, house and belongings, why wouldn't you also insure your most valuable asset? Your life and ability to earn an income.

Why Should I Buy Life Insurance?

The wealthy have done this for years. A single financial incident can change the course of your life. did you know medical bills are the #1 cause of bankruptcy in the US? Why leave your financial future and that of your family to chance. Instead you can pay just a small monthly premium to have those risks taken care of by someone else.

How Do I Buy Life Insurance?

Work with a nationally accredited and state licensed life insurance broker who is a fiduciary. This means they have a legal obligation to work for you and provide you with options for the best policy and benefits for your personal situation. We are legally required to put your best interests ahead of everything else.

Will I Need To Do A Medical Exam?

It depends on the insurance carrier and type of policy you choose. Your licensed insurance advisor can provide you options that include instant guaranteed issue policies if that is what you would prefer.

How Much Will It Cost?

Every individual policy is different based on your unique situation and the benefits you choose. Your licensed advisor will provide you the best options for you, your family and your budget to choose from.

© 2026 Novaliveco LLC. All rights reserved.

Contact Us: [email protected]