ABOUT

Our Founder and Owner

Randy VanderVaate is the Founder and Owner of Final Expense Guy (formerly Funeral Funds of America).

Many people are helped by large telesales insurance companies through rookie agents they will never talk to again. This is a big mistake and rarely gets you the best policy at the best price.

Telesales companies are incentivized to sell you high-commission products that make them more money, and cost you more of your hard-earned dollars.

Randy has almost a decade worth of life insurance experience and has helped educate over 1 million people about life insurance products and suitability through his websites and social media.

Randy can be reached directly at (888) 862-9456.

Affordable 1st-Day Coverage:

• Burial, cremation, funeral, or final expense needs.
• Income replacement upon death
• Business continuity for key persons
• Permanent lifetime income (annuities)
• Mortgage protection – pay off all or part of a mortgage.

Background Info:

• Randy’s State Insurance License Page
• Randy’s Media Page: Featured Publications & Articles

Social Media:

• Randy’s LinkedIn Profile

About Final Expense Guy

Randy is an independent national life insurance agency licensed in 50 states. Funeral Funds of America was founded in 2008 before becoming Final Expense Guy with our national headquarters in the Dallas, TX area.

Randy and his experienced agents will find the best insurance coverage for your budget.

Once approved, we will lock your low rates in for life, and your coverage will never go down or expire. If you want to add more coverage later, we can help you with that.

You pay nothing extra for our product and underwriting expertise, and will always pay the lowest price each insurance company offers.

Final Expense Guy has non-commissioned agents who will always provide you with the best service, support, and rates.

Our Specialty Is You

We Have Been Featured In:

No Tricks, Scams, or Deceptive Tactics

Companies that engage in deceptive marketing and misleading advertising should never be trusted!

If an agent or company isn’t honest from their first contact with you, things won’t improve over time.

But it doesn’t have to be that way.

How To Apply And Get Approved

It takes about 10 minutes on the phone to determine your insurance needs and perform preliminary underwriting to see who will approve you for the lowest rates.

After that, it takes about 15 minutes on the phone with an insurance company to get you approved.

No money is needed to get you approved, and you can start your plan on any day of the month.

Most people prefer their monthly draft to coincide with their social security, retirement, or pension payday.

Who Is Not A Good Fit

There are three basic requirements for you to work with us.

1. You must meet age requirements (determined by each insurance company)
2. You must be a US Citizen or a Permanent Resident
3. You must have a valid checking or savings account with a bank or credit union.

We do not accept clients with payment methods such as mailing in checks, paying with credit or debit cards, or paying with a government Direct Express card.

These payment methods have a high lapse rate because people forget to update their payment information after theft, loss, expiration, or replacement.

Offering permanent life insurance with a high-lapse payment method does not serve our clients at the highest level.

Compensation Transparency

Each insurance company must offer the same price to every contracted agent.

Randy receives commissions from his licensed and contracted insurance companies for providing clients with honest advice and reliable insurance that will be there when they need it the most.

Randy does not allow agents to make recommendations based on how much commission we earn.

Randy only gets paid for submitting quality business that we can verify is in the best interest of our clients.

This means you will never get a lower price from the same company by going with another company other than Final Expense Guy.

We will never pressure our clients into buying something they don’t want or need.

Captive Life Insurance Companies

Some companies only sell their proprietary insurance products. These are called captive agents and captive agencies.

These insurance companies often sell policies that buyers find wildly expensive or have waiting periods or other “fine print” restrictions.

We don’t work with or recommend working with captive life insurance companies.

Companies We Represent

Here is a list of insurance companies we have been licensed and authorized to help our clients with. Each insurance company is solely responsible for the life-long financial obligations for the products it issues.