Most of my final expense clients pay between $60 and $110 a month

Depending on age and health. No medical exam — just a few health questions. Independent broker, licensed in 24 states.

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No cost, no obligation, no medical exam.
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Fixed premiums
Rates never increase as you age
Fast approvals
Often within 24-48 hours
Day-one coverage
Depending on health and policy
Coverage from $5,000 to $25,000
You choose the amount

Turned down before?

That was the wrong company, not the wrong you. Every carrier underwrites differently — a condition one declines, another writes at a standard rate. If the person who told you no worked for a single company, you got one company's answer. I check several.

Told you'd wait two years?

Two years is not a rule. Guaranteed acceptance asks no health questions, which is exactly why it delays the benefit. Simplified issue asks questions instead, and coverage can start day one — depending on the policy and your health answers. You may have been shown one product, not the market.

Why people work with me

Licensed independent broker
Licensed in 24 states
中文服务 — Chinese language service
No exam questions on the first call
★★★★★
“I really appreciate Connie's help with my health insurance plan. Health insurance can be confusing, but Connie is so knowledgeable and broke everything down in a way that actually made sense to me. She never rushed me and was always so warm and thoughtful. It's rare to find someone who is both this sharp and this kind. Thank you, Connie!”
— Handan Ruan
★★★★★
“She is very professional, kind, patient, and trustworthy. She is highly knowledgeable about her work, explains everything clearly, and answers questions thoroughly, which makes people feel reassured. She is responsible, attentive, and always maintains a friendly and patient attitude. I truly appreciate her assistance and am very satisfied with the excellent service she provided.”
— Tina Sun
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Find out what you'd actually pay

A few questions and about ten minutes. No cost, no obligation, no medical exam.

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