A dignified farewell
Funeral, wake or cremation the way you want it, without your family having to borrow money.
Options for every health condition
Your health doesn't have to be an obstacle.
We offer options for different health conditions, free quotes, and a team that supports you before, during, and after you get your policy.
- Options for different health conditions
- No medical exam
- Free quote
Final expense insurance
What is final expense insurance?
Final expense insurance is life protection designed to leave financial support to the people you love most, helping them cover funeral expenses and other financial obligations after you are gone.
We know that losing a loved one is one of the hardest moments a family can go through. The last thing we want is for your loved ones, on top of the pain of your absence, to have to worry about how to cover the expenses this moment leaves behind.
The realityUS$15,000is approximately what a complete traditional funeral can cost in the United States.
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No bills left behind
Bills, credit cards and obligations that will not become a burden for your family.
Medical bills settled
Any medical bills left unpaid, taken care of.
Immediate support
Money available for whatever your family needs during the hardest days.
Protection for life
It never expires with age: your family will always be protected.
A payment that never goes up
Your premium is locked in from day one, with no surprises.
A benefit that never goes down
The amount you leave your loved ones is guaranteed.
Savings that grow with you
Your policy builds cash value you can use while you are alive if you need it.
Simple approval
No medical exam and a quick, clear process.
Straight to your family
Your beneficiaries receive the money directly and tax-free.
A question no one wants to ask
If you weren't here tomorrow, what would happen to your family?
Life insurance is a promise: you make a monthly payment that fits your budget and, if you pass away, the insurance company pays your family a tax-free sum of money. It can't prevent the pain of a loss, but it keeps money worries from adding to the grief.
The house?
Your children's school?
The funeral?
Types of life insurance
Different options, designed to fit your needs
We offer options tailored to your budget, your age, and your health.
Most requested
Final Expense Policies
So your family doesn't carry the cost of the funeral or final debts.
Premiums that don't increase and a benefit that doesn't decrease, for life.
Ideal for: adults ages 50 to 85 who want to leave everything taken care of.
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More protection, lower cost
Term Policies
The most protection at the lowest cost for 10, 15, 20, or 30 years.
To protect your family's income, your mortgage, and your children's education.
Ideal for: young parents and families with a mortgage or debts.
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Permanent and flexible
Universal policies
Lifetime coverage with flexible premiums and benefit, usually at a lower cost than whole life.
Ideal for: people looking for permanent protection with flexibility.
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Protection and growth
IUL policies
Lifetime protection with cash value that can grow linked to a market index, with protection against index downturns.
Ideal for: families planning for retirement or their children’s education.
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No exam, no health questions
Guaranteed policies
Guaranteed acceptance within eligible ages, with no medical exam or health questions. It includes an initial limited benefit period that we explain clearly.
Ideal for: people with health conditions or who have been declined before.
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Lifetime certainty
Whole Life
Lifetime protection with fixed premiums that never increase, a guaranteed benefit and cash value that grows on a guaranteed basis.
Ideal for: people who want total certainty and a secure legacy.
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Your health is not an obstacle
We have options for different health conditions
Having diabetes, high blood pressure, heart problems, or being declined before doesn't mean going without protection. Choose how your health is today and see the alternatives available to you.
Buena salud
Cobertura completa desde el primer día, con las primas más bajas
Puede elegir entre pólizas de término, gastos finales, universal, IUL o whole life. Sin examen médico.
For example:
Approval and type of coverage depend on your health answers, your age, and each insurance company. Eligible ages and waiting periods vary by policy and state.
What does life insurance cover?
It protects your family if you pass away. And it also protects you while you're living.
If you pass away
Death benefit
100%of your policy amount for your loved onesYour loved ones receive a sum of money to cover funeral expenses, medical or legal debts, the mortgage or your children’s education.Accidental death
+ Extraon top of your policy’s benefitWith this additional rider, your family receives an extra benefit if death results from an accident.
While you are living
Terminal illness
Up to 100%of your policy, while you are aliveIf you are diagnosed with a terminal illness, you can access up to 100% of your policy amount to live that time with peace of mind, alongside your loved ones. Included at no cost in many of our policies.Critical or chronic illness
Advanceof your benefit, while you are aliveWith a covered serious diagnosis, or if you come to need care at home or in a nursing home, you can receive part of your benefit while you are alive.- Cancer
- Heart attack
- Stroke
- Kidney failure
- Organ transplant
- Paralysis
- Blindness
If you can't work
Monthlyfinancial support if you cannot workIf a disability prevents you from working, you can receive a monthly benefit. And if you become disabled or lose your job, your payments may be waived so you do not lose your protection.Return of premium
Your moneycan come back to youIn 20- or 30-year term plans, if you are still alive at the end of the term, you get back a large percentage of the premiums you paid.
100%
of your policy amount for your loved ones
Even when you're not here, they'll be protected
Your loved ones receive a sum of money to cover funeral costs, medical or legal debts, the mortgage, or your children's education.
I want this protectionSome benefits are included at no cost and others are optional. Availability, amounts, and requirements vary by policy, insurance company, and state.
A message from our CEO
To be a better human being and serve the needs of those around me. I will make my studies a career, my family my driving force, and my work will become what I love.
Modesto FloresChief Executive Officer · CEO
Ensurity Group
All your protection, in one place.
Solutions designed to protect what matters most at every stage of your life:
FAQ
Frequently asked questions
Have another question?
An advisor will answer in your language, with no obligation.
(214) 946-6060Can I get insurance if I have diabetes or high blood pressure?
Yes! We have different life insurance options for a range of health conditions. We review your situation to identify the available plans and find an alternative that fits your needs.
Do I need a medical exam?
Not necessarily. We have plans that don't require a medical exam, including guaranteed acceptance options, subject to the terms and requirements of each policy.
How much does life insurance cost?
The cost mainly depends on your age, health, coverage amount, and type of plan. We have different alternatives to help you find protection that fits your needs and budget.
Can I buy insurance for my parents?
Yes! With your parents' participation and consent, you can pay for the policy and even be its owner, as long as the applicable requirements are met.
What's the difference between term and permanent life insurance?
Term insurance provides protection for a set period and generally has a lower initial cost. Permanent insurance provides lifetime coverage as long as it stays in force, and some plans offer the potential to build cash value.
What if I can't pay later on?
If you're going through a difficult financial situation, contact us before you stop paying. We can review the available alternatives to adjust your coverage or find options that help you keep your protection.
Free quote
Get your free, personalized quote
One simple form. An Ensurity Group advisor will contact you with the right coverage for your life: fast, clear, and in your language.
- 1Fill out the form
- 2An advisor contacts you
- 3Choose the coverage for your life
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