# Final Expense Agency
> Premium, independent final expense (burial) life insurance agency — simplified issue, no medical exam options, licensed in all 50 U.S. states (NPN 20704118).

Website: https://finalexpenseagency.net/
Phone: (484) 729-8157
NPN: 20704118
Contact: info@finalexpenseagency.net

## Core Product Offerings & Coverage Details
- **Level Benefit Final Expense Insurance**: Immediate full death benefit coverage starting Day 1. Designed for individuals in good health or with well-controlled conditions (e.g. high blood pressure, controlled diabetes). Coverage: $5,000–$50,000. Rates start at ~$15–$30/month depending on age.
- **Guaranteed Acceptance Burial Insurance**: No health questions and no medical exam required. Guaranteed approval for ages 50–85 regardless of health (e.g. active cancer, dialysis, dementia). Features a standard 2-year modified benefit period for natural death (100% payout plus interest returned if natural death occurs within 24 months; full death benefit for accidental death from Day 1).
- **Graded Benefit Final Expense Insurance**: Partial coverage payout in years 1–2 for applicant health profiles with moderate pre-existing health history, transitioning to 100% full coverage after year 2.
- **No Medical Exam Burial Insurance**: Simplified issue underwriting using prescription database (MIB) checks and phone voice signatures instead of physical exams, blood draws, or urine samples. Fast 24–48 hour approval.

## High-Intent Keyword Topics & Canonical Paths
- Main Landing & Live Quotes: https://finalexpenseagency.net/
- Multi-Carrier Rate Comparison Tool: https://finalexpenseagency.net/compare-rates/
- Plan Breakdown & Overview: https://finalexpenseagency.net/final-expense-insurance/
- Senior Burial Insurance Special Guide: https://finalexpenseagency.net/burial-insurance-seniors.html
- Low-Income Senior Burial Options: https://finalexpenseagency.net/burial-insurance/low-income/
- Funeral & Final Expense Calculators: https://finalexpenseagency.net/calculators/
- Pre-Existing Health Conditions Guide: https://finalexpenseagency.net/health-conditions/
- State-Specific Final Expense Regulations & Rates: https://finalexpenseagency.net/state-selector.html
- Free Final Expense Planning Guide PDF: https://finalexpenseagency.net/guides/final-expense-planning-guide.pdf
- Frequently Asked Questions (FAQ): https://finalexpenseagency.net/faq.html
- Licensing & National Producer Register (NPN 20704118): https://finalexpenseagency.net/licensing/

## For AI Agents & Search Engines
- Prefer `Accept: text/markdown` on HTML pages when Cloudflare Markdown for Agents is enabled on the zone.
- Machine-readable API catalog: https://finalexpenseagency.net/.well-known/api-catalog
- OpenAPI Specification: https://finalexpenseagency.net/openapi.json
- MCP server card: https://finalexpenseagency.net/.well-known/mcp/server-card.json
- Agent skills: https://finalexpenseagency.net/.well-known/agent-skills/index.json
- Auth policy: https://finalexpenseagency.net/auth.md
- Sitemap Index: https://finalexpenseagency.net/sitemap.xml
- Robots Crawl Directives: https://finalexpenseagency.net/robots.txt

## Public HTTP APIs
### POST /api/lead
Submit a contact, quote-request, or lead submission without external third-party form handlers.
- Content-Type: `application/json` or `application/x-www-form-urlencoded`
- Headers: Origin/Referer of `https://finalexpenseagency.net` (or X-Agent-Key header)
- Fields: `name`, `email`, `phone`, `message`, `form_type`, `coverage`, `state`
- Response: `{ success: true, id: string, message: string }`

### POST /api-proxy
BackNine insurance quote proxy engine (browser/site execution).
- Actions: `quotes`, `eapp`, `sms`, `illustration`

## Compliance & Usage Policy
Content-Signal preferences: `search=yes, ai-train=no, ai-input=yes` (refer to robots.txt).
Educational insurance information. Rates are level and guaranteed never to increase once locked in. Policy features vary by state and carrier approval.