Life & Health Senior Advisors specializes in Final Expense Insurance and Medicare plans — helping seniors across the country get the right coverage, at the right price, with no confusion and no pressure.
At Life & Health Senior Advisors, we believe every senior deserves clear, honest guidance when it comes to protecting their family and their health. We're not a call center — we're real advisors who take the time to understand your situation and find the plan that's right for you.
We specialize in two critical areas: Final Expense Insurance, which covers burial and end-of-life costs so your family isn't left with a financial burden, and Medicare plans, which help you navigate the complex world of health coverage in retirement. We work with top carriers including Aetna, Wellcare, United Healthcare, Cigna, Blue Cross, Humana, Devoted Health, Corebridge, and more.
We shop dozens of carriers to find the coverage that fits your budget and needs — no one-size-fits-all solutions.
Our licensed advisors walk you through every option with patience and transparency — no pressure, ever.
From burial insurance to Medicare Advantage, Supplement, and Part D — we cover all your senior insurance needs in one place.
Every senior's situation is different. We'll help you find the right Final Expense or Medicare plan for your health, budget, and family.
Get a Free Quote →Final Expense Insurance is a whole life policy designed to cover funeral costs, medical bills, and other end-of-life expenses — so your family isn't left with an unexpected financial burden during an already difficult time.
Coverage typically ranges from $5,000 to $25,000, with premiums as low as $20/month depending on age and health.
Most plans require only a few health questions — no blood tests, no physicals, no waiting rooms.
Whole life coverage that never expires, locked-in premiums that never increase, immediate or graded benefit options, and coverage through top carriers like Corebridge, Mutual of Omaha, and more.
Medicare Advantage replaces Original Medicare with a comprehensive private plan that often includes dental, vision, hearing, and prescription drug coverage — all bundled into one simple monthly premium.
Many plans include dental, vision, hearing, and prescription (Part D) coverage that Original Medicare does not offer.
Many Medicare Advantage plans are available with no additional monthly premium beyond your Part B payment.
Seniors turning 65, those currently on Original Medicare who want broader coverage, or anyone looking to consolidate their health benefits into one easy-to-manage plan. We compare options from Aetna, Humana, Wellcare, Devoted Health, and more.
Original Medicare only covers about 80% of your medical costs — leaving you responsible for copays, coinsurance, and deductibles. A Medicare Supplement plan covers those gaps, giving you predictable out-of-pocket costs and freedom to see any Medicare-accepting doctor nationwide.
Medigap covers the 20% that Original Medicare doesn't — protecting you from surprise medical bills.
No networks, no referrals required — use your coverage at any provider that accepts Medicare across the country.
Seniors who prefer the flexibility of Original Medicare but want protection from high out-of-pocket costs. We compare Medigap plans from Cigna, United Healthcare, Blue Cross Blue Shield, and more to find the right fit for your budget.
Part D Prescription Drug Plans help reduce the cost of your medications. As independent advisors, we're not tied to any one carrier — we compare plans across the nation's top insurers to find what works best for your prescriptions and your budget.
Aetna, Wellcare, United Healthcare, Cigna, Blue Cross, Humana, Devoted Health, Corebridge, and more — all compared for you.
Because we're not tied to one company, our only goal is finding the plan that's truly best for you.
Insurance plans change every year. We review your coverage annually during Open Enrollment (Oct 15 – Dec 7) to make sure you're still on the best plan — and switch you if a better option exists at no extra cost to you.
| Feature | Final Expense | Medicare Plans |
|---|---|---|
| Who It's For | Seniors & families wanting burial coverage | Seniors 65+ needing health coverage |
| Monthly Cost | From ~$20/month | Varies by plan (often $0 for Advantage) |
| Medical Exam | No exam required | Not required |
| Coverage Type | Whole Life (burial & final expenses) | Health & prescription coverage |
| Best For | Protecting family from end-of-life costs | Managing healthcare costs in retirement |
Life insurance and Medicare coverage together provide a complete safety net — from your health today to your family's financial security tomorrow.
Funeral expenses average $8,000–$12,000. A Final Expense policy ensures your family isn't left with that burden during an already painful time.
Medical bills, credit balances, and outstanding debts don't have to fall on your spouse or children. Your policy can settle them without stress.
Original Medicare leaves gaps. The right Advantage or Supplement plan ensures your healthcare costs are predictable and manageable every year.
We shop the market so you always get the best rate. Our independent advisors have no incentive to steer you toward any one carrier.
Final Expense policies build a tax-free death benefit that goes directly to your loved ones — no probate, no delays, no confusion.
We don't disappear after you enroll. We review your coverage every year and make adjustments as your health and needs change.
We take the time to understand your health, your budget, and your family situation before recommending any plan. You're a person — not a policy number. Every recommendation is made with your best interest in mind.
We explain every option in plain language — no jargon, no confusion. You'll always know exactly what you're getting and what it costs before you make any decision.
Our licensed advisors specialize exclusively in senior insurance. Because we're independent, we work for you — not the carriers — and have the experience to find the right plan at the right price.
Call us at 401-263-1517 or fill out the short form — takes less than 2 minutes.
Speak directly with a licensed senior insurance advisor who reviews your needs and budget.
We present the best-matched plans from our carrier network — clearly explained, side by side.
Once you choose your plan, we handle all the paperwork. You're covered — and we're here if you ever need us.
Have questions about Final Expense or Medicare coverage? Here are the answers our clients ask most often.
Talk to an Advisor →Get a free, no-obligation quote in minutes. Our licensed senior insurance advisors are ready to help.
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