Final Expense Insurance
HMG Insurance Services
Planning for the inevitable can be challenging, but safeguarding your loved ones' financial security doesn’t have to be. Final Expense Insurance provides peace of mind by covering end-of-life costs, ensuring that your family won’t be burdened by funeral expenses, medical bills, or other outstanding debts.
David Richardson – Small Business Owner
⭐⭐⭐⭐⭐
"I never realized how unprotected my family was until Howard broke everything down for me. He helped me set up an Index Universal Life policy that not only gives me peace of mind but also builds cash value for the future. Now, I know my family will be taken care of no matter what. Thanks, Howard!"
Happy Customers
More than 4000 clients taken care of!
Final Expense Insurance
HMG Insurance Services
Planning for the inevitable can be challenging, but safeguarding your loved ones' financial security doesn’t have to be. Final Expense Insurance provides peace of mind by covering end-of-life costs, ensuring that your family won’t be burdened by funeral expenses, medical bills, or other outstanding debts.
About Us
Helping You To
Manage Your Final Expense Insurance
Needs!
Howard Gibbs is the founder of HMG Insurance Services, dedicated to helping families build and preserve generational wealth. With expertise in tax planning, retirement planning, and life insurance solutions—including IULs, annuities, and final expense coverage—Howard empowers clients to secure their financial future. He specializes in guiding professionals, including nurses and truck drivers, toward smart financial strategies that protect their assets and legacy.
Howard Gibbs
Howard
NPN: 20281931
About Us
Helping You To
Manage Your Final Expense Insurance Needs!
Howard Gibbs is the founder of HMG Insurance Services, dedicated to helping families build and preserve generational wealth. With expertise in tax planning, retirement planning, and life insurance solutions—including IULs, annuities, and final expense coverage—Howard empowers clients to secure their financial future. He specializes in guiding professionals, including nurses and truck drivers, toward smart financial strategies that protect their assets and legacy.
Howard Gibbs
Howard
20281931
Everything You Need To Know
About Final Expense Insurance
At A Glance
What is Final Expense Insurance?
Final Expense Insurance is designed to provide financial security for your loved ones by covering end-of-life costs like funeral expenses and medical bills. Ensure your family isn’t burdened during difficult times. Get guidance on choosing the right policy today.
Important Details
Final Expense Insurance offers coverage for funeral costs, outstanding debts, and medical bills. With lifelong protection, you can choose affordable coverage that fits your needs. Ensure your family’s financial future is secured today.
Everything You Need To Know About
Final Expense Insurance At A Glance
What is Final Expense Insurance?
Final Expense Insurance is designed to provide financial security for your loved ones by covering end-of-life costs like funeral expenses and medical bills. Ensure your family isn’t burdened during difficult times. Get guidance on choosing the right policy today.
Important Details
Final Expense Insurance offers coverage for funeral costs, outstanding debts, and medical bills. With lifelong protection, you can choose affordable coverage that fits your needs. Ensure your family’s financial future is secured today.
Reviews
Real-Life Testimonials
From Satisfied Clients
David Richardson – Small Business Owner
"I never realized how unprotected my family was until Howard broke everything down for me. He helped me set up an Index Universal Life policy that not only gives me peace of mind but also builds cash value for the future. Now, I know my family will be taken care of no matter what. Thanks, Howard!"
Michelle Carter – Registered Nurse
"As a nurse, I’ve always focused on caring for others but never took the time to plan for myself. Howard walked me through everything in a way that made sense. My IUL is now growing steadily, and I feel financially secure for retirement. I highly recommend HMG Insurance Services!"
James Thompson – Truck Driver
"I used to think life insurance was just an extra bill, but Howard showed me how it can actually work for me. My policy is now protecting my family and growing cash value at the same time. It’s the smartest financial decision I’ve made!"
Reviews
Real-Life Testimonials
From Satisfied Clients
David Richardson – Small Business Owner
""I never realized how unprotected my family was until Howard broke everything down for me. He helped me set up an Index Universal Life policy that not only gives me peace of mind but also builds cash value for the future. Now, I know my family will be taken care of no matter what. Thanks, Howard!""
Michelle Carter – Registered Nurse
""As a nurse, I’ve always focused on caring for others but never took the time to plan for myself. Howard walked me through everything in a way that made sense. My IUL is now growing steadily, and I feel financially secure for retirement. I highly recommend HMG Insurance Services!""
James Thompson – Truck Driver
""I used to think life insurance was just an extra bill, but Howard showed me how it can actually work for me. My policy is now protecting my family and growing cash value at the same time. It’s the smartest financial decision I’ve made!""
More Info
Important Questions
Is Final Expense Insurance Right for Me?
Final Expense Insurance is ideal if you’re looking for a simple, affordable way to cover end-of-life expenses without burdening your family. It’s especially suitable for individuals who want guaranteed coverage and don’t require a large policy, but prefer peace of mind knowing that funeral costs, medical bills, and debts will be covered.
How Much Coverage Do I Need?
Coverage varies based on your specific needs. Typically, Final Expense Insurance policies range from $5,000 to $50,000, depending on how much you want to cover for your funeral, medical costs, or outstanding debts. The average funeral cost in the U.S. is about $7,000 to $10,000.
Is Medical Underwriting Required?
In many cases, no medical exam is needed to qualify for Final Expense Insurance. Policies are often easier to qualify for compared to traditional life insurance, even for individuals with health conditions.
Can I Choose My Beneficiaries?
Yes, you can select your beneficiaries. They will receive the payout upon your passing to cover funeral arrangements or other final expenses.
How do I Sign Up?
Need personalized guidance? Book a one-on-one appointment with me, and I’ll help answer your questions, walk you through your final expense insurance options, and find the best coverage tailored to your needs. Schedule your free consultation today and start securing peace of mind for your family’s future.
More Info
Important Questions
Is Final Expense Insurance Right for Me?
Final Expense Insurance is ideal if you’re looking for a simple, affordable way to cover end-of-life expenses without burdening your family. It’s especially suitable for individuals who want guaranteed coverage and don’t require a large policy, but prefer peace of mind knowing that funeral costs, medical bills, and debts will be covered.
How Much Coverage Do I Need?
Coverage varies based on your specific needs. Typically, Final Expense Insurance policies range from $5,000 to $50,000, depending on how much you want to cover for your funeral, medical costs, or outstanding debts. The average funeral cost in the U.S. is about $7,000 to $10,000.
Is Medical Underwriting Required?
In many cases, no medical exam is needed to qualify for Final Expense Insurance. Policies are often easier to qualify for compared to traditional life insurance, even for individuals with health conditions.
Can I Choose My Beneficiaries?
Yes, you can select your beneficiaries. They will receive the payout upon your passing to cover funeral arrangements or other final expenses.
How do I Sign Up?
Need personalized guidance? Book a one-on-one appointment with me, and I’ll help answer your questions, walk you through your final expense insurance options, and find the best coverage tailored to your needs. Schedule your free consultation today and start securing peace of mind for your family’s future.
Looking for a First-Class Final Expense Insurance Consultant?
Looking for a First-Class Final Expense Insurance Consultant?
HMG Insurance Services is committed to serving you at the highest level with all your Final Expense Insurance needs.
National Producer Number: 20281931
Company
Directories
Legal
HMG Insurance Services is committed to serving you at the highest level with all your Final Expense Insurance needs.
National Producer Number: 20281931
Company
Directories
Legal