8 Questions. Same-Day Effective.
Simplified issue with just 8 questions. No height/weight charts, no smoking rate-ups. Approved cases can be effective the same day.
FOR EXPERIENCED PRODUCERS
Stop Losing Money.
Build Your Book with Carriers That Cover Every Case.
Top Contracts. Real Support. Zero Strings.
AGES 0-85 · UP TO $50K · TRUE GI
8-QUESTION SI · DIRECT CARRIER PAYAGES 0-85 · UP TO $50K · TRUE GI · 8-QUESTION SI · DIRECT CARRIER PAY
...and many more
Your Hard Cases Have a New Home.
A whole life product built for the cases other carriers won't touch. Walk in with a solution, not an apology.
True GI When SI Says No
If simplified issue declines, guaranteed issue picks it up. Citizen or TIN only. No one gets turned away.
Ages 0 to 85
Child coverage through seniors. Write the whole family, not just the easy ones.
Flexible Billing That Closes Cases
Direct Express, Social Security friendly billing, ACH, and credit card. Remove the payment friction that kills deals.
Most agents don't leave uplines over comp.
They leave because no one answers the phone.
Here's the Deal
Direct contracts with the carriers that actually issue final expense business, and a team that picks up the phone when you call.
- Direct carrier pay, weeklyNo holding commissions, no accounting games.
- Contracts with carriers built for final expenseAmerican Amicable, CICA, Combined, Mutual of Omaha, and more.
- Underwriting guidance on tough casesReal answers from people who place final expense every day.
- No exclusivity, no quotas, no minimumsUse one carrier or all of them. Your call.
- Product training when you want itHere when you have questions. Not pushing when you don't.
- Your clients stay your clientsWe're here to support your business, not compete with it.
Frequently Asked Questions
How fast can I get contracted?
Most carrier contracts come back in 24 hours to a week. Timeline depends on the carrier and whether there are any outstanding licensing or background issues. We handle the paperwork and keep you updated so you're not chasing status.
What does a final expense IMO actually do?
A final expense IMO gives you direct access to multiple carriers through one relationship instead of contracting with each one separately. We handle carrier appointments, product support, and underwriting guidance so you focus on selling.
Can I contract for just one product or do I need to take all of them?
Yes, you can contract with one carrier or as many as you'd like. No minimums, no bundling, no pressure. An IMO should give you options, not obligations.
Built to complement your business, not control it.
23 Insurance exists for one reason: to help final expense producers and agencies place more business without unnecessary friction.
Some agents use us to solve product gaps on tough cases. Others use us for direct carrier access, faster responsiveness, and real underwriting guidance on the cases that need a second look.
We're not here to control your book. We're here to fill gaps: product access, underwriting support, and responsiveness when it matters. If it helps you write more paid final expense, that's the point.
If your current setup already works, keep it. If there are gaps in product fit, responsiveness, or support, this is where 23 Insurance shines.
GET STARTED
See If We're a Fit
Tell us a little about your business and what you're looking for. We'll review fit based on production, agency structure, and product needs.
- No commitment. No strings. Just a conversation.
- We'll review your current setup and show you where we can help.
- Takes 60 seconds. We'll reach out shortly.