"If you want to encourage someone to do something, make it easy." Richard Thaler, Nobel Prize Winner
Simplicity for older adults and seniors wanting final expense coverage is my intent behind BestFex. —Sam Ute
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. Lifelong support.
Three simple steps towards having final expense insurance. Here's how it works...
Compare Quotes Hassle-Free
Based around Rx use. Takes less than 3 minutes, and you're welcome to ask all the questions you'd like.
Afterwards, we can respectfully 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, you're all set.
Before you request a call, a quick look at the Q & A section below can help clarify what to expect.
BestFex was born from real-life experience. When I started as a field agent in 2011, final expense required traveling to homes across Ohio, sitting at kitchen tables and filling out 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 challenges that followed meant stepping away from the industry by 2015, leading to a finance role in the car business. Through word of mouth and a simple Facebook page, I became trusted by customers statewide as their go-to for auto financing. Many years later, I'm grateful to be back as an insurance broker, 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 family.
Sam Ute | BestFex Founder
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, he loved his family, Cedar Point, and muscle cars. When he passed in 2018, he had a small final expense policy from years earlier that I helped him with — my sister being his beneficiary. We talked recently about her claim experience and Tom’s celebration of life.
She described it as surprisingly simple, and the benefit being paid within a week. Neither of us recalled having any conversations with guests over expenses, just family and friends sharing stories and genuine laughs.
That’s us enjoying our last brewski at Cedar Point Hotel Breakers.
Yes, that’s correct. Sometimes it’s also called funeral insurance. These are all just different ways of describing “simplified issue” whole life insurance. While often marketed to help with funeral costs, ultimately it’s a smaller life insurance policy meant to offer financial relief to your loved ones.
It most certainly can be a gift. Whether the benefit is left to a spouse, grandchild, or a local animal shelter, your beneficiary receives the money without any restrictions attached on how it’s spent.
Each company I’m partnered with has it’s 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 alongside 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.
