When it comes to buying insurance of any type, there are a myriad of choices and variables you must wade through to find the policy that works best for you. That’s no different when it comes to final expense insurance, with dozens of options major insurers offer.
Choice Mutual recognized this challenge facing customers as a provider that deals exclusively with final expense insurance. In response, they developed a dedicated app that lets you shop from the convenience of your phone to find the best policy that suits your needs.
Figuring out the right policy for you can be time-consuming and confusing, but the free Choice Mutual Final Expense app helps you instantly compare prices from more than two dozen final expense insurers.
Here’s what you need to know about this innovative and easy-to-use app.
An Overview of the Choice Mutual Final Expense App
It’s Easy to Use
Using the Choice Mutual Final Expense app is easy.
- Download the app from Google Play or the Apple App Store.
- Input your gender, birth date, state of residence, and tobacco usage.
- Compare quotes available to you from up to 30 insurance companies. You can select one to begin your application or start over to generate quotes for someone else.
If you want to think it over, save the quotes you’ve generated for later. When ready, return to your saved quotes to pick up where you left off.
Several Policy Options and Companies
One of Choice Mutual’s strengths is the number of companies it partners with. Other agencies
typically have only 1-3 insurance companies they can offer you. That works against you because their lack of choices often translates into you paying more than you need.
Because Choice Mutual is an independent agency that partners with over 20 different insurance companies, when using the app, you can rest assured that you’ll be placed with whichever insurance carrier is best for you.
There is no cost to work with Choice Mutual, and the insurance itself is not more expensive because you bought it through an agency.
Focused Only on Final Expense Insurance
Choice Mutual also has the added advantage of only selling final expense insurance. They are specialists, making them one of the most knowledgeable and trusted sources in this insurance industry segment. The app reinforces this industry leading position, offering policy solutions after surveying more than a dozen potential policy options.
The company also stresses exceptional service and brings specialist-level expertise to the final expense policy purchase process. They can answer all your questions and make recommendations based on your unique needs.
You can also find added insights on Choice Mutual’s website, which has several articles to help you better understand final expense insurance.
Pros and Cons
There are many great reasons to use the Choice Mutual Final Expense app, but you should also know there are some areas where it falls a little short. Here are some pros and cons to consider.
Pros
- It’s free
- Wide variety of companies from which to compare and choose
- Instantly shows quotes online
- The mobile app is a private shopping experience
- Only specializes in final expense insurance
- Has thousands of highly rated reviews online
- Sales agents are paid a salary vs. commission
- Live agent support is available if needed
- Serves all 50 states
- Operates entirely online, so you don’t need to meet with someone face-to-face
- An extensive library of in-depth educational articles and product reviews
- Can help seniors up to age 90 obtain a new policy
- Any personal information you share when buying a policy remains safe and secure.
- Impartial content is written and fact-checked by verifiable insurance experts
- Highest levels of transparency
Cons
- Only sells final expense insurance so people looking for life insurance products must look elsewhere
- You must input a phone number and email to use the quote engine to see prices on their website
- They will not mail out marketing material via US mail.
- Their YouTube channel appears to be inactive. They have some videos on YouTube but don’t appear to publish new video content regularly.
- Content on the website is limited primarily to final expense insurance products
- No local offices you can visit if you prefer to meet someone face-to-face
- Not open on the weekends
About Choice Mutual
Choice Mutual is an independent insurance agency licensed in all 50 states founded in 2014 by CEO Anthony Martin. Choice Mutual’s brokerage services, just like the app, are free. Insurance companies compensate them with a commission for each policy sold, but there are no added broker fees, higher premiums, or hidden costs when you buy a policy through the agency. Their stated goal is to match each customer with whatever policy best suits their needs without showing favor to any particular provider.
Customer Reviews
According to Choice Mutual’s testimonials page, they have thousands of positive online reviews from prior customers.
Below are some notable examples:
Trustpilot gives Choice Mutual 5/5 stars from 1100+ reviews.
The Better Business Bureau gives Choice Mutual an A+ rating and no complaints.
Google gives Choice Mutual a 4.9/5 star rating with 100+ customer reviews.
Facebook shows a 5-star review average from Choice Mutual clients.
The Bottom Line
Choice Mutual’s Final Expense app is an easy way to get the important information you need to see if a funeral insurance policy is right for you. It is intuitive and compares many of the leading providers in the final expense segment of the insurance industry, so you can rest assured you’re getting comprehensive and accurate information.
The downsides of using this app are minor, making it a smart choice when shopping for final expense insurance.
