How Our Company Works

Choice Mutual is an independent insurance agency, also known as an insurance broker, which represents numerous insurance companies. We exclusively sell final expense life insurance, which is commonly referred to as burial insurance, funeral insurance, cremation insurance, and end-of-life insurance.

Our licensed insurance advisors will answer all your questions and make tailored recommendations based on your needs and wants. Then when you are ready to move forward with getting protected, your agent will assist you with the paperwork. They’ll guide you through the entire application process and ensure you get your policy in a timely manner.

Afterward, we will always be here for any service issues that may arise. We have a dedicated client service team ready and eager to help you with all your policy service needs.

Our Founder

Anthony Martin - Choice Mutual

Anthony Martin is an entrepreneur and the founder and sole owner of Choice Mutual Insurance Agency. He was first licensed in 2010 and initially worked for American Income Life before seeking opportunities that allowed him to spend more time with his family.

Anthony began working in the final expense insurance industry in late 2010 at a local agency.  He quickly became the top sales agent and was promoted to general sales manager, at which time he helped grow net sales by over 500% in less than a year. Anthony created Choice Mutual in 2013 and has helped thousands of families prepare for the future since then.

What Makes Us Unique

Choice Mutual stands out as the largest online final expense agency in the nation and is uniquely qualified to assist you with finding a burial insurance policy.

Here are a few of the many reasons why you can trust Choice Mutual as you get your final affairs in order:

  • Final expense insurance is our sole focus
  • Over 15 different insurance companies to compare rates and coverage
  • Customer needs are our top priority
  • Friendly, respectful, and knowledgeable agents
  • No high-pressure sales tactics
  • Apply for insurance directly on our website
  • Continued customer service after you buy your policy
  • Our comprehensive website to review policy options
  • Highest level of transparency and integrity
  • Hundreds of five-star customer reviews
  • Licensed in all 50 states and Washington, DC

How We Make Money

Our services are available at no cost to you as the consumer. Choice Mutual gets paid a commission for each policy we sell. Insurance companies pay us a commission because we bring them customers; however, your policy does not cost extra because you used a “middleman.”

There are no broker fees or additional premiums due when you buy a policy through an agency, such as Choice Mutual. In fact, you’ll surely save money when you work with Choice Mutual because we comparison-shop across multiple insurance companies to find you the best deal. All of our sales agents earn salaries and are not paid on a commission basis, which means you can trust that they have your best interests at heart.

The amount we get paid from each insurer varies depending on the applicant’s age and the particular plan that is purchased.

Which Companies Pay Us The Most

Below is a list of all the insurance companies we represent. They are sorted from the highest to the lowest commission they pay us for the most common product we sell for them.

  1. Americo
  2. Mutual of Omaha
  3. Accendo Life Insurance Company (Aetna)
  4. Foresters Financial
  5. Royal Neighbors of America
  6. Prosperity Life Group
  7. American Amicable
  8. Transamerica
  9. American Home Life
  10. Liberty Bankers Life
  11. Baltimore Life
  12. Guarantee Trust Life
  13. Columbian Financial Group
  14. Continental Life Insurance Company (Aetna)
  15. AIG
  16. Gerber Life
  17. Great Western
  18. Nationwide

We share this for the sake of transparency. Please remember that we never show preference to one company over another based on which one pays us the most. Instead, we review the unique details of your situation and suggest policies that truly are the best fit for you and your family.

Our Recommendation Process

When choosing between insurance options, there are policies with guaranteed approval and no health questions, as well as policies that do require answering health questions to determine your eligibility.

There is a big difference between these two types of plans explained below:

  1. No health questions: Your approval is guaranteed, but there is a two-year waiting period before you’re insured. If you die during the waiting period, you’re only refunded your premiums plus a small amount of interest (on the premiums paid).
  2. Has health questions: You must answer all the health questions on the application. Also, the insurance company will analyze your medication history (which tells them a great deal about your health). These plans can have 100% immediate coverage on the first day. They can also have partial coverage where the insurance company pays out a portion of the death benefit during the first two years. Which one you’re eligible for entirely depends on your health.

When you contact us, one of our agents will discuss your health to find out what each insurance company would offer you and which plans fit within your budget. Numerous variables influence our recommendations, including the cost, when you’re insured (waiting period vs no waiting period), ease of the application process, the ability to make changes to the policy, and general service issues.

Customer Reviews

Don’t take our word for it – just ask our thousands of satisfied customers who recommend Choice Mutual to their friends and family members!

Here is a small sampling of some real Choice Mutual reviews. Read what people have said about working with us to find the right final expense life insurance policy.

Very professional and courteous service
Don't go anywhere else for your insurance needs on this type of policy. This was so easily completed with ample opportunity to ask plenty of questions and get your needs met. Great peace of mind knowing everything was done by a professional who knows his business inside aand out, affordable products to choose from, and great ease of application process.
What an easy process
I had no idea what I was doing and I’m so thankful that Anthony Martin was the one that helped me. He is so personable, knowledgeable and made the process so easy! I’m thrilled that my policy was completed in less than 30 minutes. What a relief to work with someone that cares and knows their profession! Thank you so much!
Anthony was so patient
Recently I had the pleasure of buying an insurance policy from Anthony, and it was a new experience in customer service. Anthony, was so patient with me in the process of completing the application over the phone, and made sure that I fully understood the terms of the policy . Your Company should be very proud to have him as an employee

Contact Us

We want to hear from you. We welcome questions, suggestions, complaints, and inquiries about finding the right burial insurance plan for you.

You can reach in a variety of ways:

Phone: 1-800-644-2926
Email: [email protected]
Fax: 1-855-362-5433

Or visit our contact page for all the ways you can reach us.