Questions About Choice Mutual

Absolutely not. Under no circumstances will Choice Mutual ever share your name, phone number, email, DOB, or any other personal information with a third party. If you give us your contact information, only a representative of Choice Mutual will contact you.

Please view our privacy policy for more information about how we handle your data.

Truthfully, there are multiple aspects of our company that set us apart from other final expense organizations. We’ll only touch on a couple of them in the interest of brevity.

To begin with, we are an independent agency that partners with over 15 different insurance companies. We are not an insurance company. We simply place each customer with whichever insurance carrier is best for them.

You cannot buy most final expense insurance products directly from the insurance companies. Easily over 95% of burial insurance plans available in the USA are sold only via licensed agencies such as Choice Mutual. There is no cost to work with us, and the insurance itself is not more expensive because you bought it through an agency.

By far, our vast product selection is the most significant difference between us and other organizations that sell burial expense insurance. Our freedom to compare multiple offers from 15+ final expense insurance companies all but ensures we can find you the best plan possible.

When you work with other final expense institutions, they typically have only 1-3 insurance companies they can offer you. Their lack of choices usually translates into you paying more than you need. In addition, it often results in a waiting period that could have been avoided had you worked with Choice Mutual.

Another major factor that sets us apart is that we only do final expense insurance. It’s our specialty. We are like the brain surgeons of the final expense life insurance business. You can trust that you’re dealing with time-tested experts when you speak with one of our agents.

We have the answers to your questions and guidance to help you select the right plan.

Finally, our website is unquestionably a resource like no other. You cannot find another final expense website that is as transparent and offers in-depth product information as we do. We show everyone how each carrier underwrites, instant quotes, coverage limits, sample applications & policies, pros & cons, and much more.

To learn even more about what makes our company uniquely poised to assist you in securing final expense life insurance, check out our about page.

You’re right that it could be a conflict of interest. We could place you with insurance companies that aren’t necessarily best for you simply because we get paid more.

For clarity, we absolutely do not do that.

Our entire mission is to serve your best interests. We know that if we consistently put the customer’s needs first, we will flourish.

There is evidence we can point to that backs our claim.

For starters, we pay our sales agents base salary rather than on a commission-only basis.

We set up this pay structure to ensure there is no financial barrier between the agent’s paycheck and doing what’s best for the customer. So whether you buy a policy or not, our agents will still get paid the same salary.

Here’s another thing to keep in mind. We represent so many different final expense companies to recommend whichever one is truly best for each customer.

If we simply placed customers with whichever insurer pays us the most significant commission, we would only need one or two companies. There would be no need to represent over 15 different final expense insurance companies.

Finally, if we weren’t genuinely serving the customer, would 99.9% of our online reviews be positive? There are nearly a thousand 5-star reviews online from delighted customers. Check them out on our testimonials page. If we were not doing what’s best for our clients, past customers would have discovered it by now. Someone would have complained by now. To date, nobody has ever made such a claim against our company.

For total transparency, we do have two negative reviews online (on our Google profile) for an unrelated matter.

You can see a complete breakdown of our company on the Choice Mutual about page. You can even see a full list of all our insurance partners on that page. We even show you which ones pay us the highest commissions for the most common product we sell for them.

But decide for yourself. If you think we just put folks with whichever insurance company pays us the most, then we recommend you not do business with us.

However, if what we are saying makes sense, give us a chance to earn your business, and we’ll back up our words with action.

All our licensed sales agents are paid a base salary and do not get paid a commission for each policy they sell.

We pay our agents a salary for two main reasons.

  1. A salary allows for recommendations that are in the best interest of the client rather than the agent’s pocketbook. No matter how much coverage you buy or whether you buy or not, our agents will receive their salary.
  2. We want our agents to experience financial security so they never have to stress about paying their bills. We believe this leads to happier, more productive agents, which leads to better results for our employees and clients alike.

Choice Mutual has a life insurance license in all 50 U.S. states, including Washington, DC. Please visit our licenses page to view them all.

Choice Mutual is an independent insurance agency (A.K.A. “broker”) that is licensed to sell insurance for multiple insurance companies.

Please know that your insurance does not cost more because we helped you. Also, there are no fees or surcharges when we assist you with getting your coverage.

In fact, there is an extremely high chance that you’ll be paying less for your final expense coverage because we helped you.

When we sell an insurance policy, the issuing insurance company pays us a commission (we pay our sales agents on a salary basis). The insurance companies pay us money because, without us, they would not have a customer. That is why our services come at no cost to you.

Choice Mutual does not generate revenue through any means other than selling insurance.

To get a more detailed breakdown of how we make money, visit our about page.

Since Choice Mutual is an insurance agency, we get paid a commission from the insurance companies we partner with. Every time we sell a policy, they compensate us for bringing them a new policyholder, which is why the consumer does not have to pay a fee or surcharge for our services. 

Below is a list of all the insurance companies we represent. They are sorted from the highest to the lowest commission they pay us for the most common product we sell for them.

  1. Americo
  2. American Home Life
  3. Baltimore Life
  4. Mutual of Omaha
  5. Accendo Life Insurance Company (Aetna)
  6. Foresters Financial
  7. Royal Neighbors of America
  8. Prosperity Life Group
  9. American Amicable
  10. Aflac
  11. Transamerica
  12. Liberty Bankers Life
  13. Guarantee Trust Life
  14. Columbian Financial Group
  15. Continental Life Insurance Company (Aetna)
  16. AIG
  17. Gerber Life
  18. Great Western


Questions About Rates and Savings


An insurance company’s rates are identical no matter where you purchase the policy. For example, Mutual of Omaha final expense coverage is the same price whether you buy from another agent or us. The rates can’t be different.

There is no negotiation when it comes to insurance pricing.

It’s also worth noting that nearly all burial life insurance plans available in the USA are not sold directly by the insurance companies. Over 95% of them only sell their plans through agencies licensed to sell their products.

As an example, if you call Mutual of Omaha directly, the only plan they will offer you is their guaranteed acceptance coverage. It has a two-year waiting period and costs more than their plan that has no waiting period. Mutual of Omaha plans with no waiting period are only sold via licensed agencies such as Choice Mutual.

A few insurance companies sell their plans directly to consumers and through licensed agencies. Gerber Life and AIG are two such examples. Whether you buy through us or directly from them, the price is identical.


First, nearly all final expense insurance is only obtainable via agencies such as Choice Mutual. Over 95% of the plans available in the USA are not sold directly from the insurers.

Generally, the only plans sold directly by an insurance company are guaranteed acceptance policies. Those are plans with no health questions, which all have a 2-3 year waiting period.

Some insurance companies offer guaranteed issue coverage direct to consumers and via agencies.

For example, A.I.G. Direct sells their guaranteed issue policy directly from them. They also sell it through agencies like us.

Whether you buy A.I.G.’s guaranteed issue coverage through us or directly from them, the policy is identical in every way, including pricing. In the end, there is no discount by dealing directly with them (which is rarely possible).

Yes and no.

As noted in the question just above this one, all insurance rates are identical no matter whom you buy through.

For example, the price Aetna charges for their final expense coverage is identical to buying from us or another agency. Therefore, by law, the rate cannot be different.

That said, we shop for 15+ companies so we can get you the best deal possible.

Remember, we have more companies (a lot more) than anyone else. That’s why we can surely deliver you the best deal every time.


Questions About The Process

There are a few different ways to go about it.

The best thing to do is to call us at 1-800-644-2926. One of our agents will answer your questions and get familiar with your needs.

Then they’ll ask you some questions about your health so they can determine which companies would accept you. From there, they’ll figure out which one will offer you the best plan.

At that point, they’ll give you the recommendation and help you get approved if you’re still ready to move forward. Once your application is approved, you’ll get a printed policy in the mail within two weeks from the insurance carrier.

Another way you could do this would be to run quotes on our site. Then, after you see the prices, you can hit a button to apply, whereby you’ll type in a few more pieces of information.

After that, one of our agents will call you to walk you through the rest of the application process.

As you can see, all roads lead to talking with one of our agents.

Don’t worry; they’re friendly and never pushy. If you need time to think about it before moving forward, that’s okay. You decide on your own time when and if you buy.

In short, it’s because the insurance companies require it.

As agents, we must abide by all insurance company’s rules and regulations. They all require us to ask each applicant the health questions.

We must fill out a producer report with each application testifying that we followed through with that requirement.

Even for policies with no health questions, we still must read you certain disclosures.

Just know this.

You can buy final expense coverage without ever talking to an agent. However, that’s only possible via guaranteed acceptance plans (no health question policies).

Those all have a two-year waiting period before you’re covered and cost much more.

If you want immediate coverage at the lowest rate possible, you cannot get that without speaking with an agent.

It helps to keep this in mind.

Dealing with one of our agents isn’t like dealing with a pushy salesperson. All our agents do is answer your questions and recommend which company is best for you. Then they help you complete your application if you are ready to move forward.

Nobody at Choice Mutual is going to try to sell you anything. That’s not how we operate.

We are here to inform, recommend and assist. Everything happens at your direction and pace.

Absolutely not!

We are a national agency that assists everyone entirely over the phone, email, and regular mail.

At no point will a Choice Mutual agent have to come into your home.

From the privacy of your own home, we will answer all your questions, give you quotes, and make recommendations. We will help you get approved without having to meet with you face-to-face.

Once your application is approved, you’ll get a printed paper policy in the mail.