Frequently asked questions

My practice focuses on life insurance — term and permanent coverage, where appropriate — and final expense insurance. Depending on your goals, budget, and time horizon, term or permanent life insurance may be appropriate, and I'll explain the differences so you can evaluate the options.

Final expense insurance is a type of smaller permanent life insurance. It provides a death benefit that beneficiaries may use for funeral costs, burial or cremation expenses, medical bills, debts, or other needs. It is paid insurance issued by a carrier — not a free benefit and not a government or state program. See the final expense page for a full explanation.

More than most families expect. The national median cost of a funeral with viewing and burial was $8,300, and a funeral with cremation was $6,280 (National Funeral Directors Association, 2023). Local prices vary, and related costs — cemetery, headstone, flowers, travel, outstanding bills — often add more. That gap between what families expect and what they face is exactly what final expense coverage is designed to close.

Final expense policies are intentionally smaller than traditional life insurance — commonly in the $5,000 to $50,000 range. The right amount depends on what you want covered: funeral and burial or cremation costs alone, or also medical bills, debts, or a small amount left behind for family. The benefit is paid in cash to your beneficiary, who can use it for whatever the family actually needs.

It depends on the policy and your health answers. Many final expense policies offer an immediate death benefit from day one. Others — typically for applicants with significant health history — are "graded," meaning the full benefit phases in over the first two to three years, with premiums returned (often with interest) if death occurs during that period. This is an important difference between policies, and it's one of the specific things Andre will make clear before you apply.

It depends on the policy. Some policies may be available without a medical exam, using health questions or electronic underwriting instead. Others require an exam. Eligibility and underwriting requirements vary by carrier, product, and applicant — I'll tell you exactly what applies to the options you're considering.

No. Eligibility depends on age, health, state, coverage amount, and the carrier's underwriting. Anyone who tells you everyone qualifies is not being straight with you. What I can do is review your situation and identify options that may fit it.

Primarily your age, health, the amount and type of coverage, and the carrier's underwriting classification. Smaller factors can matter too, like tobacco use and certain occupations or hobbies. Because these vary person to person, meaningful pricing comes from reviewing actual policy options.

Term life covers you for a set period — often 10 to 30 years — and generally offers the most coverage per premium dollar during that period. Permanent life insurance is designed to last your lifetime, subject to the policy's terms and required premiums; some permanent policies include cash value with both guaranteed and non-guaranteed elements that vary by policy. Neither is universally better — it depends on the job you need the coverage to do.

Andre will review your request and contact you — usually a quick, friendly call of a few minutes. No paperwork, no pressure, no script. He'll ask a few questions, explain the available options, and help you decide whether moving forward makes sense. You set the pace, and there's no obligation to apply.

Yes. Your request isn't routed to a call center or sold to other agents. You work directly with Andre from the first conversation through the application process, if you choose to apply.

It's just what most people call him. Formal paperwork and licensing use Andre; in conversation, expect AJ. Same person either way.

No. NeonGen Life Insurance is a consumer-facing brand operated by NeonGen Systems LLC, and insurance services are provided by Andre as a licensed Texas life insurance agent. Insurance products are issued and underwritten by third-party insurance carriers.

No. Despite what some advertising mailers imply, there is no government or state 'final expense benefit' program. Final expense insurance is a private insurance policy you pay premiums for, issued by an insurance carrier.

In most cases, yes. Conversations, reviews, and applications can typically be completed by phone and electronically, depending on the carrier's process.

There is no separate consultation fee. If you purchase a policy, the insurance carrier may pay the licensed agent a commission. Policy premiums, features, and availability are determined by the issuing carrier.

No. Your information is used to review and respond to your request, and may be shared with insurance carriers or authorized service providers as needed to quote, apply for, issue, and service coverage. It is not sold to lead lists. See the Privacy Policy for details.