Life Insurance That Fits Your Season of Life

Specializing in Final Expense & Indexed Universal Life

Thomas Insurance Group helps you secure affordable coverage for end-of-life expenses and build long-term, tax-advantaged wealth through Indexed Universal Life strategies.

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No medical exam with many Final Expense plans – just simple health questions.
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Permanent coverage designed to handle funeral, burial, and remaining bills.
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IUL options that offer market-linked growth potential with downside protection.

Schedule time with me View services

No obligation, no pressure. Just clear guidance on Final Expense and IUL options for your family.

Schedule your appointment

Meet with our experienced team to explore the best Final Expense and IUL solutions tailored to your needs. We’ll help you protect your loved ones and plan with confidence.

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Our Core Services

Final Expense & Indexed Universal Life

Two specialized solutions to handle two big needs: covering end-of-life expenses and building long-term protection with flexible, tax-advantaged strategies.

Final Expense Life Insurance

Remove the financial burden from your family

Final Expense Life Insurance is designed to cover funeral, burial, and final bills so your loved ones aren’t left with unexpected costs during a difficult time.

Coverage amounts typically ranging from $5,000 to $40,000.
Many plans do not require a medical exam, only health questions.
Permanent protection as long as premiums are paid.
Helps your family focus on honoring your wishes instead of worrying about costs.

We compare multiple carriers and help you choose a plan that fits your health history and budget.

Talk about Final Expense See common questions

Indexed Universal Life (IUL)

Flexible protection with potential for growth

Indexed Universal Life combines permanent life insurance with the potential to build cash value tied to a market index, with caps and floors that help manage risk.

Permanent coverage with flexible premium options.
Cash value growth linked to an index, subject to carrier caps and floors.
Potential future access to cash value through policy loans/withdrawals if structured correctly.
Can support long-term retirement, education, or legacy planning strategies.

IUL is not a one-size-fits-all solution. We’ll break down how it works, including costs and risks, so you can decide if it fits your goals.

Explore IUL options Why Thomas Insurance Group

How We Work

Simple, guided, and focused on you

Life insurance can feel confusing. Our process is designed to keep it simple, transparent, and tailored to your family’s needs.

Discovery conversation

We start with a short conversation to learn about your goals, budget, and concerns around Final Expense or IUL coverage.

Personalized recommendations

We compare options from multiple carriers and explain pricing, benefits, and trade-offs in plain language.

Apply & review together

We assist with the application, track the process, and review your policy details together once you’re approved.

FAQ

Questions we hear often

Every family’s situation is unique, but these answers can help you start thinking through which type of coverage is right for you.

Who is Final Expense insurance best for?

Final Expense is typically a fit for those who want a smaller, permanent policy specifically to cover funeral, burial, and remaining bills—especially if qualifying for larger policies is a concern.

Do I always have to take a medical exam?

Many Final Expense policies do not require an exam, just health questions. IUL policies often involve more thorough underwriting. We help match you with carriers based on your health profile.

How does an IUL earn interest?

The policy’s cash value can earn interest based on a market index (like the S&P 500), subject to caps and floors set by the insurance company. Your money is not directly invested in the stock market.

Is IUL right for everyone?

No. IUL is a long-term strategy that works best for certain goals, time horizons, and budgets. We’ll walk through how it works, including costs and risks, so you can make an informed decision.