Affordable Final Expense Insurance You Can Count On
Protection for your family, peace of mind for you — with guidance that’s simple, honest, and human.
Years Helping Families Nationwide
For over two decades, we've helped thousands of families secure affordable final expense insurance with clarity, patience, and personal support.
Why Families Trust Horizon Senior Benefits
Licensed. Proven. Focused on what actually matters.
Licensed in All 50 States
No matter where you live, you’re covered.
Top-20 National Producer
Ranked among 200,000+ brokers for consistency and service.
Focused on Life and Health Insurance for Seniors
Simple, affordable coverage specifically for seniors on fixed incomes.
Choose Your Path Below
No paperwork. No medical exams. No awkward sales calls.
Final Expense So Simple
No Waiting Period – Coverage can start Day 1.
- Fast Approval — often within minutes
- Low, Fixed Monthly Payments that never go up
- Coverage Designed for Seniors — even with health conditions
- Easy Application — just a short text-based process
Rather do something than nothing — you can always increase later.
Trusted Across the Country
These aren’t just numbers — they represent real people who found peace of mind and protection.
What Families Are Saying
- The Rutherfords
Brian was proactive in identifying items that needed clarification and ensured everything moved forward smoothly without unnecessary delays. His follow-through was exceptional, and I always felt confident that the process was being actively managed rather than simply reacted to.
What stood out most was Brian’s commitment to clear, respectful communication and his ability to navigate a complex process while keeping all parties aligned. He made the experience efficient and stress-free, which is greatly appreciated.
It was truly a pleasure working with Brian, and I would highly recommend him to anyone seeking a knowledgeable, reliable, and client-focused professional.
Navigating life insurance can feel overwhelming, but Brian made the process remarkably clear, patient, and educational. He took the time to truly understand my family’s unique situation, goals, and concerns. He never pushed a product. Instead, he presented thoughtful, tailored options and explained the nuances of each in plain language, empowering me to make a confident decision.
What truly sets Brian apart is his genuine care and dedication. He is incredibly responsive, detail-oriented, and consistently follows through. He checked in to ensure I understood every step and has made himself available for any questions that have arisen since. It’s clear he is in this business for the long-term relationships, not just the sale.
Thanks to Brian, I have secured comprehensive coverage that fits my budget and, more importantly, provides immense peace of mind knowing my loved ones are protected. He has earned my absolute trust and I will confidently refer my friends and family to him for years to come.
If you are looking for an agent who is professional, knowledgeable, and genuinely cares about your well-being, Brian is the only person you should call.
My mother and I are very happy , grateful and appreciative for everything Brian Barber has done for us. caring and being concerned as a family.
Thank you Brian.raje care care .
Wish you a long prosperous career. 🙏🤞.
We both thank you .....
Text Now for Your Free Quote
Get fast, friendly answers with no pressure and no obligation — just honest guidance delivered the way most clients prefer: by text.
Your information is private, secure, and never shared.
Support You Can Rely On
Behind the scenes, I work with licensed carriers and support partners who help ensure everything runs smoothly — from applications to approvals and ongoing support.
Final Expense Insurance FAQs: Costs, Coverage, and How It Works
Get clear answers to the most common questions about final expense insurance for seniors — including pricing, approval time, medical requirements, and how to get covered quickly by text.
How much does final expense insurance cost?
Most people pay between $30–$80 per month, depending on age and health.
Do I need a medical exam?
- Most plans require simple health questions.
- Some plans offer guaranteed issue (no health questions).
Can my price go up over time?
No. Your rate is locked in for life.
What if I have health problems?
There are plans designed specifically for people with health conditions.
How fast can I get covered?
Many clients are approved the same day — sometimes within minutes.
Can I help a parent or loved one?
Yes, in fact this is quite common and easy to do.
Medicare Made Simple
Understanding Medicare doesn’t have to be confusing. We help seniors and families learn their options, compare plans, and enroll with confidence. Our advisors provide straightforward guidance, honest answers, and personalized support every step of the way.
- Understanding Medicare Parts A, B, C, and D
- Comparing Medicare Advantage and Supplement plans
- Enrollment guidance and timeline support
- Reviewing prescription drug coverage options
- Helping you avoid penalties and coverage gaps
