Don't leave your family the bill for your goodbye.
Final expense insurance is a small whole-life policy built to cover funeral and burial costs, so the people you love get cash in hand instead of a bill. Family Life Solutions compares carriers for Clarksville families and shows you what each one costs.
See your rate in about 60 seconds
Answer three questions and Les comes back with a real number from the carriers he shops, not a guess. No medical exam, no obligation, and nothing to buy on the spot.
- ✓ Rates locked for life, they never go up
- ✓ Coverage from $10,000 to $25,000
- ✓ He calls you back within one business day
Request received
Your information has been sent to Lesley David Varisce at Family Life Solutions, who will call with your exact rate within one business day.
Illustrative sample rate. Your quote depends on age, coverage and health, and varies by carrier and state.
A funeral bill is not something your family should have to figure out on their own.
Final expense insurance is a small whole-life policy, usually 10,000 to 25,000 dollars, built to cover funeral, burial and end-of-life bills. It pays cash directly to your beneficiary, with no medical exam required and a rate that is locked for life.
Funeral and burial costs have climbed for years, and most families do not have several thousand dollars set aside to cover one on short notice. Across Clarksville, Fort Campbell and the surrounding towns, a lot of families have moved a few times and do not have a local plan in place. A small monthly premium closes that gap before it becomes a problem.
Typical qualifying age range
Starting rate for basic coverage
Medical exams required to qualify
Full benefit from the day coverage starts
Simple protection that does exactly what you need
No investment jargon and no fine print surprises. Just coverage built for the moment your family will need it most.
Locks in for life
Your premium and your coverage are designed to stay level. The rate you lock in at 62 is built to be the same rate at 82.
No medical exam
A few simple health questions is typically all it takes. Many applicants can be approved the same day over the phone.
Cash paid direct
Your beneficiary receives cash to spend as they choose, whether that is the funeral home, outstanding bills, or anything else.
Coverage from day one
Qualified applicants are covered from the first day, with no lengthy waiting period on the full benefit.
Builds cash value
As a whole-life policy it is designed to grow a small cash value over time that you may be able to borrow against.
Yours to keep
The policy is designed to stay in force for life as long as premiums are paid, regardless of age or later health changes.
Covered in three easy steps
Most people finish the whole process in a single phone call with Les, a licensed independent agent.
Get your rate
Share your age, ZIP and the coverage you want. See a sample quote in about a minute with no obligation.
Answer a few questions
Les walks you through a short health questionnaire and compares options from multiple carriers. No exams, no needles.
Lock it in
Approve your plan and your family is protected. Your rate is designed to stay fixed from that day forward.
A plan that fits a fixed income
Coverage can start at just a few dollars a week. These illustrative monthly rates show how affordable this kind of protection can be. Your actual rate depends on the carrier, your age, health and state.
- Rates designed to lock in for the life of the policy
- No rate increase as you age
- Flexible coverage from 5,000 to 25,000 dollars
- Compare options across multiple carriers
| Age | $10,000 | $15,000 | $20,000 |
|---|---|---|---|
| 50 | $24/mo | $33/mo | $43/mo |
| 60 | $31/mo | $44/mo | $57/mo |
| 70 | $49/mo | $71/mo | $92/mo |
| 80 | $88/mo | $129/mo | $168/mo |
One agent, several ways to protect your family
Final expense is where most families start, but Les helps protect your income, your savings and your health from every angle, not just one policy.
Indexed Universal Life
Grow tax-advantaged cash value you can borrow against later, with a floor that protects your balance when the market drops.
Explore IUL →Term Life Insurance
Lock in a low monthly rate that protects your family's income during the years a mortgage, kids or a career are on the line.
Explore term life →Whole Life Insurance
Keep the same premium for life and leave your family a guaranteed payout, while a cash value account grows in the background.
Explore whole life →Annuities
Turn a lump sum into a paycheck that lasts as long as you do, so retirement income is never a guessing game.
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Keep your CDL and your job when a moving violation shows up, with an attorney already on call to fight the ticket.
Explore CDLP →Final expense insurance in Clarksville, TN
Family Life Solutions writes final expense insurance for Clarksville, TN families from an office in Montgomery County. Les compares fixed-rate whole life policies across several carriers, most of which issue without a medical exam, and the death benefit reaches your beneficiary as cash rather than going straight to a funeral home.
Clarksville is the county seat of Montgomery County and Tennessee's fifth largest city, with roughly 166,700 residents counted in the 2020 census. The city sits at the confluence of the Cumberland and Red rivers, about 15 miles from the Fort Campbell main gate. Les lives here. His clients are soldiers finishing twenty years on post, retirees living on Social Security, and families who buried a parent and still remember the bill.
Les is licensed in Tennessee, Kentucky, Ohio, Virginia, Texas and New York, and works with families across the Clarksville-Fort Campbell trade area on both sides of the state line. Pick your town for coverage details written for that area.
Final expense insurance, answered
What is final expense insurance?
Final expense insurance is a small whole-life policy, usually between 5,000 and 25,000 dollars, designed to cover funeral, burial and other end-of-life costs. The cash benefit is paid directly to your named beneficiary, who can use it for any purpose.
Do I need a medical exam to qualify?
No. Coverage is typically issued based on a few simple health questions rather than a physical exam or blood work. Many applicants can be approved the same day.
How much does it cost?
Rates depend on your age, coverage amount, health and the carrier, but many people qualify for coverage starting in the range of about a dollar a day. Your premium is then designed to stay level.
Can I be turned down for my age or health?
Coverage is generally available for ages 45 to 85, and guaranteed-issue style options exist for some health conditions. Les can help match you to a plan you are likely to qualify for.
Do you serve Fort Campbell and Hopkinsville KY, or just Clarksville?
Yes. Family Life Solutions is based in Clarksville, TN and regularly serves families in Fort Campbell, Oak Grove and Hopkinsville, KY, as well as Nashville, TN. Les is also licensed in TN, KY, OH, VA, TX and NY.
Give your family one less thing to worry about.
See a sample rate today, then talk through your real options with Les, a licensed independent agent based right here in Clarksville.