Your family should be able to grieve without opening a bill.
Simple life insurance that covers the funeral, the leftover medical bills, and whatever else gets left behind — so the people you love aren't scrambling to find the money.
No medical exam on most plans. Just a few health questions, and coverage can start in days.
What we help families with
Most people come to us for one thing, and we do that one thing very well.
Final expense coverage
A whole life policy built to cover funeral costs, burial or cremation, unpaid medical bills, and small debts you'd rather not leave behind. Benefit amounts usually run between $5,000 and $25,000.
Once it's in place, the price never goes up and the coverage never expires as long as premiums are paid.
- No medical exam on most plans
- Health conditions are usually still workable
- Your rate is locked for life
- Your family decides how the money is used
Everything else we handle
Final expense is what we do most, but it's rarely the only thing a family needs. We place all of the below.
Life insurance
- Term lifeLarger coverage for a set number of years, while you still have an income to replace.
- Whole lifePermanent coverage that builds cash value you can borrow against.
- Indexed universal lifePermanent coverage with growth tied to a market index and flexible premiums.
- Mortgage protectionPays off what's left on the house so your family can stay in it.
- Accidental death and dismembermentAn additional benefit if death or serious injury comes from an accident.
Health and retirement
- Health insuranceIndividual and family coverage, including marketplace plans.
- AnnuitiesTurns savings into predictable retirement income you can't outlive.
Three steps, one phone call
Nothing to print, nothing to mail, and nobody coming to your door.
You call us
Tell us your age, your state, and roughly what you want covered. Ten minutes is usually plenty.
We shop it for you
We're independent, so we compare what several carriers will offer someone with your health history and bring you the best one.
You're covered
We complete the application with you on the phone. Many carriers approve the same day, and your policy arrives shortly after.
Why families work with us
We don't work for one company
We're an independent agency, so we can place you with whichever carrier actually wants your health history — instead of squeezing you into the only product we're allowed to sell.
You talk to a person
No chatbot, no call center queue. The same licensed agent who writes your policy is the one who picks up when you call back years later.
No pressure, no home visit
Everything happens over the phone, on your schedule. If the numbers don't work for your budget, we'll tell you that instead of selling you something you'll cancel in four months.
Carriers we place business with
We're appointed with 12 carriers. If one won't take your health history, another usually will — that's the whole reason to go through an independent agent.
American Amicable
Aetna
ManhattanLife
Ethos
CICA Life
Combined Insurance
National Life Group
Kansas City Life
NewBridge Final Expense
Aflac
Gerber Life
Sentinel Security LifeCarrier availability varies by state and by product, and not every carrier is offered for every type of coverage. Ask us which carriers we can offer where you live.
Licensing
Agency
- Licensed entity
- MSW Insurance Group, Inc.
- Florida agency license
- L137897
Producer
- Licensed agent
- Michael Wittenberg
- Florida license
- G311909
- National Producer Number
- 17234990
- Lines of authority
- 2-15 — Life, Health and Variable Annuity
States where Michael is licensed
Licensed as an individual producer in 21 states. If you don't see yours, call us anyway — we add states regularly.
- Alabama
- Arkansas
- Arizona
- California
- Florida · resident
- Indiana
- Kansas
- Louisiana
- Maryland
- Michigan
- Minnesota
- New Mexico
- Ohio
- Oregon
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
- Washington
- West Virginia
Questions families ask
Am I too old to get covered?
Probably not. Most final expense carriers write coverage up to age 85, and some go higher. Your age affects the price, not whether you can get it.
I have health problems. Can I still qualify?
Usually yes. Carriers differ a lot in what they'll accept — a condition that gets you declined at one company may be fine at another. That's the main reason to go through an independent agent instead of applying directly.
Do I have to take a medical exam?
Not for most final expense plans. You answer health questions over the phone and the carrier checks your prescription history. No blood work, no nurse visit.
How much does it cost?
It depends on your age, your state, your health, and how much coverage you want. We'll quote you real numbers on the call — not a range designed just to get you on the phone.
How does my family actually get the money?
Your beneficiary files a claim with the carrier and provides a death certificate. Payment is typically made within days to a few weeks, directly to them. It does not go through probate, and they can use it for the funeral or anything else.
What happens if I miss a payment?
Policies include a grace period, usually 30 days. If it lapses, call us — reinstatement is often possible. Don't just let it go quietly.
Let's find out what it would cost you.
Call and we'll give you real numbers in about ten minutes. If it's not a fit, we'll say so.
888-343-4002 Toll free — Monday to Friday, 9am – 6pm ETLocal to Sarasota? Call 941-422-0819 or email mswinsurance1@gmail.com.
Or have us call you
Leave your number and a licensed agent will reach out.