Family Benefit Life / Trinity

Family Benefit Life Insurance Company is a strong final expense carrier for independent agents looking for simplified whole life coverage designed specifically for the senior market. Through its Golden Eagle Final Expense product, Family Benefit Life gives agents another valuable option for clients who need permanent life insurance to help cover funeral expenses, medical bills, outstanding debts, and other end-of-life costs.

Agents contracting through Agent First Contracts receive access to Family Benefit Life products through an independent agent contract. Family Benefit Life can be especially useful for agents who want another dependable final expense carrier available when comparing underwriting, pricing, and client needs.

Why Agents Choose Family Benefit Life

Final expense agents need more than one carrier available because every client's health history, age, budget, and coverage needs are different. Family Benefit Life helps expand an agent's placement options with simplified issue whole life coverage built for the senior market.

The Golden Eagle Final Expense product offers permanent whole life insurance with level premiums and simplified underwriting without requiring a traditional medical exam.

• Simplified issue whole life coverage
• No traditional medical exam required
• Permanent lifetime coverage
• Level premiums
• Final expense focused product
• Coverage designed for the senior market
• Immediate and graded benefit opportunities
• Additional placement option for independent agents
• Useful carrier for in-home final expense sales

Golden Eagle Final Expense

Golden Eagle is Family Benefit Life's primary final expense whole life product. It is designed for seniors looking for permanent life insurance coverage without going through the traditional fully underwritten life insurance process.

Golden Eagle is generally available to applicants ages 50 through 85, with face amounts beginning at $2,500 and coverage available up to $25,000 depending on eligibility and product availability.

Qualified applicants may receive immediate death benefit coverage, while a graded benefit option may provide another placement opportunity for clients who do not qualify for the immediate benefit plan.

Underwriting and Field Fit

Family Benefit Life can be a useful addition to an agent's carrier portfolio because it provides another underwriting path when working senior-market leads. An applicant who may not be the best fit with one carrier may fit more favorably with another, which is why experienced final expense agents maintain access to multiple companies.

The simplified issue process allows agents to determine eligibility without requiring the client to complete a traditional medical exam. This can help make the application process easier for both the agent and the client during an in-home or remote final expense presentation.

Who Family Benefit Life Is Best For

Family Benefit Life can be a strong fit for agents who:

• Sell final expense insurance
• Work with clients ages 50 to 85
• Want another simplified issue whole life option
• Need additional underwriting opportunities
• Work direct mail final expense leads
• Conduct in-home appointments
• Want both immediate and graded benefit placement options
• Need another carrier to improve overall placement opportunities

Contracting Information

Agents contracted through Agent First Contracts receive:

• Independent agent contracting opportunity
• Access to Family Benefit Life final expense products
• Access to Golden Eagle Final Expense
• Simplified issue whole life product availability
• Competitive commission opportunities
• Additional final expense underwriting options

Family Benefit Life can serve as another important carrier in an independent agent's portfolio, giving agents additional flexibility when comparing underwriting, premiums, and client eligibility.

Frequently Asked Questions

Is Family Benefit Life good for final expense agents?

Yes. Family Benefit Life offers simplified issue whole life coverage designed for the senior and final expense market, making it another useful carrier for independent final expense agents.

What is Family Benefit Life's main final expense product?

Family Benefit Life's primary final expense product is Golden Eagle Final Expense, a simplified issue whole life insurance plan designed for senior clients.

Does Golden Eagle require a medical exam?

No traditional medical exam is generally required. Eligibility is determined through simplified issue underwriting.

What ages can apply for Golden Eagle Final Expense?

Golden Eagle is generally available for applicants ages 50 through 85, subject to state and product availability.

Does Family Benefit Life offer graded coverage?

Yes. A graded benefit option may be available for applicants who do not qualify for immediate death benefit coverage.

Why should an agent add Family Benefit Life?

Family Benefit Life gives agents another final expense underwriting and pricing option, helping expand the number of clients an agent may be able to place.

Get Contracted with Family Benefit Life

If you are an independent agent looking to expand your final expense carrier portfolio with another simplified issue whole life option, Family Benefit Life and the Golden Eagle Final Expense product can be a valuable addition to your business.

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