Independent agency · Licensed in 16 states
Fleming Life Group helps people arrange final expense and whole life coverage. It is the kind that pays for a funeral and leaves the rest to family, without a physical or a lab visit.
It is a small whole life policy. The amount does not shrink as you get older, and the price does not go up once it is issued.
A funeral is commonly the reason people call. The benefit is paid to the person you name, and they decide how it is spent. There is no restriction on it.
Medical bills, a last month of rent, a car note. Anything outstanding becomes someone's problem. This is the money that handles it.
Whole life stays in force as long as the premium is paid. It is not a term policy that ends at a certain age.
Some health conditions mean a policy is issued on a graded basis, where the full benefit begins after a waiting period.
A first name and a phone number is enough to start. No account to create.
The call is recorded. You answer health questions, with no exam, no blood work, and no one coming to your house. It usually takes about twenty minutes.
You are told the carrier, the benefit amount, the monthly premium and the draft date, and you can say no. Nothing is submitted without your say-so.
Only what an agent needs to call you back. We do not ask for a Social Security number, bank details or medical records on this form. Those come up only on a recorded call with a licensed agent, if you choose to go ahead.