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Welcome to BestFex! I'm Sam Ute, an independent agent who built this platform with your convenience in mind. Drawing from years of experience, you can expect this site to serve as a personable, easy to follow guide in securing final expense insurance - one clear step at a time.
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.
I'll be available as a familiar go-to for you and your family, in addition to a carrier's support team.
A simple 3-step process to make planning ahead feel smooth and effortless. 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.
After you choose a plan, we'll get an application sent over to your selected carrier. Once approved and your policy becomes effective, 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 meant traveling to homes, sitting at kitchen tables and filling out applications together. Those kitchen table conversations became great memories, and more than a few folks insisted 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 industry. From there, I became a finance manager in the car business, enjoying many years of repeat and referral business. Today, I'm grateful to be back as an independent agent, serving families remotely - and healthier than ever.
Off the clock, I'm usually outdoors around where I live in Sandusky, Ohio - running, kayaking, Cedar Point, or enjoying good times with my (now grown-up) kids and granddaughters.
Call or Text Sam Ute @ (419) 515-7088
“Tom” was a part of my life since I was a toddler, as my Stepdad. 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 briefly reminisced about her claim experience, and the service.
She described everything as surprisingly simple, and the benefit being paid within a week. We both fondly 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 a simplified issue “whole life” insurance policy – designed to be budget friendly, easily obtained, and backed by strong lifetime guarantees.
It most certainly can be a gift. Whether it’s $2,000 to a grandchild or $15,000 to a spouse, the lump sum payout goes straight to your beneficiary tax-free, to be used freely without restrictions.
During the 5 minute pre-qualifying step, the idea is to simply determine which plans best match your health profile. From there, the application itself is securely handled over the phone between you and me – or the two of you, if applying as a couple. Once submitted to the carrier, most approval decisions are returned within 24 hours.
Monthly premiums are safely made via bank draft, directly with the insurance company – never through BestFex. This method helps avoid missed payments and keeps your coverage secure for your beneficiary.
COBRA KAI – 6 seasons of Johnny Lawrence & Daniel LaRusso. Epic!
All-time favorite is Dallas. The Ewing family will always be must see TV.
Independent Agent
Sandusky Ohio
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