FINAL EXPENSE WHOLE LIFE
Whole Life for Hard-to-Place Cases
Covers the ages and profiles other carriers won't
- Whole Life | Ages 0-85
- Face Amounts up to $30,000
- Simplified Issue: 8 questions only
- True Guaranteed Issue: Citizen or TIN only
Takes 2 Minutes
Built to Place More Cases
Flexible Payment Options
Social Security friendly billing, ACH, credit card, and Direct Express accepted.
No Restrictions
No smoking rate-ups. No height/weight charts.
Simplified Issue
Level premium, guaranteed cash value, can be same-day effective.
True GI Fallback
If SI declines, GI covers. 110% of premiums paid years 1-2, full benefit after.
Get More Business Issued
This whole life setup exists for one reason: to turn conversations into issued policies instead of dead ends.
Agencies often start using it as a fallback when standard carriers say no. Many keep using it because it issues consistently across wider age ranges and underwriting profiles without unnecessary friction.
Simplified and guaranteed issue paths are straightforward, predictable, and designed to keep applications moving. That reliability is what turns difficult cases into paid business instead of wasted time.
Used today for Final Expense, juvenile coverage, and hard-to-place whole life cases.
How 23 Insurance Works
A niche product wholesaler built for producers who write quality business.
- Competitive comp for established producersStructured for agents who already write business.
- Paid direct by the carrierNo holding commissions. No accounting games.
- Weekly pay cycleBased on carrier schedules.
- Flexible appointmentsUse one carrier or several through us. No exclusivity pressure.
- Fast contracting and real responsiveness
Takes 2 Minutes
Most agents don't leave uplines over comp.
They leave because no one answers the phone.