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"If you want to encourage someone to do something, make it easy." Richard H. Thaler, Nobel Prize Winner
The intent behind BestFex is to give older adults an authentic experience while securing final expense coverage.
From $2,000 to $40,000, you're in full control to choose whatever makes the most sense for you.
Lenient underwriting without any required doctor visits. Ages 45-89. Existing health conditions ok.
No rate increases. Doesn't expire with age or cancel if your health changes. Fast benefit payout.
Benefit can help with funeral costs — or be left as a meaningful gift for a spouse or grandchild.
Experienced help focused on your best interest, not company quotas. No broker fees. Lifetime support.
Three simple steps towards having final expense insurance. Here's how it works...
Compare Quotes Hassle-Free
Personal details not required. Takes less than 5 minutes, and you're welcome to ask all the questions you'd like without feeling rushed.
Afterwards, we can politely end our call if you're not quite ready. If you'd like to move forward, we'll apply with your selected company. Once approved, that's it. You're all set. Simple. Easy. Handled.
BestFex was born from real-life experience. When I started as a field agent in 2011, final expense required traveling around Ohio, sitting at kitchen tables and filling out paper applications together. Those kitchen table conversations became great memories, with more than a few folks insisting I stay for lunch!
In 2013, life took an unexpected turn when I was diagnosed with cancer. The following years were challenging and by 2015, I made a tough decision to leave the insurance industry. Uncertain about my physical limitations, I accepted a finance manager position in the car business. Through one customer at a time, word spread across Northeast Ohio where I became known as a trusted source for auto financing. Many years later, I'm grateful to be back where I belong, serving families remotely — and healthier than ever.
Off the clock, I'm usually outdoors around Sandusky, Ohio - running, kayaking, Cedar Point, or enjoying good times with my (now grown-up) kids and granddaughters.
Sam Ute | BestFex Owner
Call or Text Sam Ute @ (419) 515-7088
“Tom” was a part of my life since I was a toddler, as my Stepdad. An old school blue-collar guy, Tom loved his family, Cedar Point, and muscle cars. When he passed away in 2018, he had a small final expense policy in place from years earlier, that I helped him with — my sister being his beneficiary. Recently, we talked briefly about her claim experience and the service.
She described everything as surprisingly simple, and the benefit being paid within a week. We both recalled the service being filled with friends/family sharing stories, laughs, and that neither of us had any conversations with guests about money.
That’s us enjoying our last brewski together at Cedar Point Hotel Breakers.
Yes. Sometimes it’s also called funeral insurance. They’re all just different ways of describing “simplified issue” whole life insurance — designed to stay affordable as you age, and backed by lifelong guarantees.
It most certainly can be a gift. Whether it’s for a spouse, grandchild or your local animal shelter, the money goes straight to your beneficiary tax-free, to be used freely without restrictions. Drawing from my own family’s experience, “Lasting Impression” is genuinely fitting.
Each company I’m partnered with has their own secure online portal that only appointed agents and brokers can access. During our call, you can expect the application itself to be straightforward and brief. Once submitted, most approval decisions are returned within 24 hours.
Monthly premiums are safely made via bank draft, directly with the insurance company and never through BestFex. This method helps avoid missed payments and keeps your coverage secure.
Annual options listed along with the monthly rates if preferred.
COBRA KAI – 6 seasons of Johnny Lawrence & Daniel LaRusso. Epic!
All-time favorite is Dallas. The Ewing family will always be must see TV.
Insurance Broker
Sandusky Ohio
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