Most final expense products are funded with whole life insurance policies. We have products starting as low as $2,000 in coverage and can be issued on a simplified issue basis with a level benefit starting in year one or on a graded benefit basis where the full coverage begins in the 3rd policy year. This would be for your clients who are uninsurable and require a guaranteed issue product. There are restrictions for these products based on age and face amount. Please email firstname.lastname@example.org to obtain more information.