Thomas Fernandez
Final Expense Insurance Specialist
Save My Contact Schedule AppointmentText first and I'll call you right back.
Final Expense Insurance Specialist
Save My Contact Schedule AppointmentText first and I'll call you right back.
Tap or click any state to see the license on file there. Highlighted states are where I'm currently active.
Tap a highlighted state above to see the license details.
National Producer Number: 18436170 — verify any license above yourself on NAIC's official lookup.
| State | License type | License # | Expires |
|---|---|---|---|
| Alabama | Insurance Producer | 3003152996 | 02/29/2028 |
| Arizona | Insurance Producer | 18436170 | 02/28/2029 |
| California | Insurance Producer | 4189087 | 02/29/2028 |
| Colorado | Insurance Producer | 856053 | 02/29/2028 |
| Florida | Agent | G186867 | — |
| Georgia | Agent (Nonresident) | 3736211 | 02/28/2027 |
| Indiana | Producer, Individual | 4045266 | 02/28/2027 |
| Kansas | Insurance Producer | 18436170 | 02/29/2028 |
| Kentucky | Agent | DOI-1356104 | 02/29/2028 |
| Louisiana | Insurance Producer | 1136420 | 02/29/2028 |
| Maryland | Insurance Producer | 3003251904 | 02/28/2027 |
| Michigan | Non-Resident Producer | 18436170 | — |
| Minnesota | Insurance Producer | 41016724 | 02/28/2027 |
| Missouri | Insurance Producer | 3003162991 | 02/01/2027 |
| Nevada (Resident) | Resident Producer / Firm | 3247274 | 06/30/2029 |
| New Mexico | Insurance Producer | 18436170 | 02/29/2028 |
| North Carolina | Insurance Producer | 18436170 | — |
| Ohio | Major Lines | 1591150 | 02/29/2028 |
| Oklahoma | Insurance Producer | 3003170797 | 02/29/2028 |
| Pennsylvania | Non-Resident Producer, Individual | 1204566 | 02/28/2027 |
| South Carolina | Insurance Producer | 18436170 | 02/29/2028 |
| Tennessee | Insurance Producer | 3003174890 | 02/28/2027 |
| Texas | General Lines Agency/Agent | 3388153 | 02/29/2028 |
| Texas | Life Agent / Agency | 3192493 | 02/29/2028 |
| Virginia | Insurance Producer | 1478300 | 02/29/2028 |
| Washington | Insurance Producer | 1269853 | 02/29/2028 |
| West Virginia | Insurance Producer | 18436170 | 02/28/2027 |
| Wisconsin | Intermediary (Agent), Individual | 18436170 | 02/28/2027 |
A quick call to go over final expense insurance options — no medical exam for most plans, no pressure, and no obligation. I'll ask a few questions about your health history, who you'd want covered, and your budget, then walk you through what fits. Usually takes 15–20 minutes.
Pick a timeIt's a small whole life insurance policy built specifically to cover funeral, burial, and other end-of-life costs — so that burden doesn't fall on your family. Coverage amounts are typically smaller than traditional life insurance, and policies are usually permanent (they don't expire as long as premiums are paid).
It depends on funeral costs in your area, any debts or medical bills you'd want covered, and what you're comfortable paying monthly. Most people land somewhere between $10,000 and $20,000, but there's no single right number — that's something we'll figure out together based on your situation.
No. Most final expense plans use simplified underwriting — a handful of health questions, no exam, no bloodwork. Some guaranteed-issue plans don't ask any health questions at all, though those typically cost more or have a waiting period.
No problem — nothing here expires. Reach me any of these ways and pick back up where we left off.