Final Expense Insurance

Choice Mutual Editorial Standards

Choice Mutual wants to help you make the right life insurance choices. We strive to give you extremely detailed, well-informed, and transparent information so you can make an informed buying decision for yourself and your loved ones.

You decide who you do business with, and quite frankly, you have a lot of options. So why should you trust Choice Mutual? Sure we have hundreds of 5-star reviews across multiple platforms, an A+ rating with the BBB, and many other noteworthy accomplishments. But those are all secondary to the content we provide.

We give you the information that no other website will. We show you real pricing and allow you to compare multiple insurance companies side by side. You can see sample policies, the applications, pros and cons to each company, and much more. Simply put, this is the only website on the internet that provides incredibly in-depth unbiased information about final expense life insurance. Our agents all work on salary so that you can trust their advice isn’t motivated by personal monetary gain.


Editorial Process

All content on is written by Anthony Martin, who is the Founder and CEO. The information he presents is a derivative of personal experience, hard data, and opinion.

Occasionally, he will consult with experts to provide insight on a topic that falls outside of his expertise. When third-party experts are consulted, they are thoroughly vetted to ensure they are fully qualified to provide expert commentary for the topic at hand.

Before publishing any article, Anthony personally reviews the content multiple times and compensates third-party expert sources to ensure the accuracy of said content.

Sources and citations

Content appearing Choice Mutual may include data from the following sources:

  • Third-party websites: We regularly link to articles on external websites to provide further clarification and/or validation for the topic being discussed. We will also consult third-party websites for research purposes, such as in review articles. For example, we analyzed the Colonial Penn website to learn about their products.
  • Third-party experts: Occassionaly, we consult with professionals not employed by Choice Mutual when we need input about a topic where we feel we lack adequate competency.
  • Internal company data: Choice Mutual has helped thousands of customers and placed billions of dollars in life insurance coverage. We occasionally cite internal statistics given our vast experience in this industry. Also, on occasion, we will conduct consumer surveys and cite the results of the said survey(s) in certain pieces of content.
  • Insurance industry data: Data from industry-related groups such as the Insurance Information Institute (III), National Association of Insurance Commissioners (NAIC), and Life Insurance Marketing and Research Association (LIMRA) will sometimes be cited to supplement our own commentary.

Regardless of the source being used to provide further reference to a piece of content, we will always properly cite the source(s) being used.

Subject matter

We write about topics that are related to insurance, seniors, or the end-of-life industry. Each article is written to address, in-depth, a particular topic so consumers can obtain unbiased information.


“Expert reviewed”

At the top of each article, there is an “Expert reviewed” badge. This indicates that all content is written by Anthony Martin, who is a well-documented industry expert. Also, we employ internal agents who are also experts in the field to review our content for accuracy. On occasion, we will employ a third-party expert not employed by Choice Mutual to assess a piece of content to ensure its veracity.


Customer reviews

Various portions of our website will display actual reviews from Choice Mutual customers. We subscribe to a review service through a company called Trustpilot. After each customer interaction, we invite them to leave us a review of their experience. Be it good or bad; all reviews are published on the website. Choice Mutual is not able to edit customer reviews or dictate which ones are and are not published.


Updating, correcting, and detecting articles

We regularly review and update existing articles. It’s commonplace for insurance carriers to change their rates, applications, underwriting, and more. Also, we often alter articles for the sake of clarity and/or to provide a better user experience.

Our content is written by human beings, which means it’s subject to the occasional mishap. While rare, we do make mistakes. When we become aware of an error, we immediately update the content to remove the erroneous information. If you find an error on our site, please contact us immediately.

While this is uncommon, we have and will in the future delete articles. This happens for a variety of reasons. In general, it’s done because the content is either A) no longer relevant, B) for a product that doesn’t exist, or C) is redundant.


How does Choice Mutual make money?

Choice Mutual is an independent insurance agency. We represent over 15 different insurance companies. Every time we help a client buy a policy with one of our carrier partners, they pay us a commission because they would not have a customer without us.

It’s essential to know that you do not pay a higher monthly price or a fee of any kind when we assist you. Truthfully, most insurance is not sold directly by the insurer. It’s almost always sold through licensed agencies such as Choice Mutual.

Insurance rates are filed with each Department of Insurance for each state. Insurance companies cannot deviate from these prices. Hence, rates can’t be different whether you buy through an agency like us or directly from the insurer (which again is rarely possible).

The main advantage with Choice Mutual is that you A) get expert help from friendly agents who can recommend the best option for you B) we shop all the top-rated carriers to ensure you get the best policy for the lowest rates, and C) get 5-star ongoing service after your policy is issued.

All the benefits of working with us come at no extra cost.