Final Expense Made Simple

Dustin Chamness

Dustin Chamness

Licensed Life Insurance Broker · Final Expense Specialist

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Licensed in 20 states

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National Producer Number (NPN): 21664001. You can verify any of my licenses yourself on the NAIC's official license lookup.

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    What to expect on a call

    A quick, friendly conversation — no medical exam for most plans, no pressure, and no obligation.

    Pick a time that works for you

    Common questions

    What is final expense insurance?

    It's a smaller whole life insurance policy — usually $5,000 to $50,000 — designed to cover funeral costs, medical bills, and other expenses so your family isn't left with the bill.

    How much coverage do I need?

    It depends on the kind of service you want and any debts you'd like covered. Many people choose between $10,000 and $25,000. We'll talk through it together and find an amount that fits your budget.

    Do I need a medical exam?

    Usually not. Most final expense plans just ask a few health questions over the phone. Even with health conditions, there are often options available.

    Will my premium go up as I get older?

    With most final expense whole life plans, your premium is locked in for life and your coverage doesn't decrease. I'll confirm the details for the specific plan we look at.

    Why work with a broker?

    I'm not tied to one company. I work with many top-rated carriers, so I can compare options and find the best fit for your health and budget.

    Didn't finish our call?

    No problem — reach me any of these ways and we'll pick back up where we left off.

    Book a callPick a time Call or text717-818-0832 Emaildustin@fexmadesimple.com

    Carriers I work with

    I compare plans from these companies to find your best fit.

    Have a question? Text me