The Final Expense Planning Guide Every Family Needs…
Plan Ahead. Protect Your Family.
Learn the simple steps to lock in affordable final expense coverage today
Your guide to planning ahead, avoiding debt, and protecting your legacy.
One simple plan today can save your family thousands tomorrow
Our Final Expense Planning Guide walks you through everything you need to know:
The real cost of funerals & burials today
How final expense insurance works
How to lock in rates that never increase
How to qualify — even with health issues
Helps your loved ones avoid financial stress
Real results real clients
"Working with Carlton Wood was simple and easy! He explained my insurance options in a way that was easy to understand and made the whole process quick and stress-free. Highly recommend “Carlton for Life”
Michael A., New York
"Carlton is a great agent! He took the time to understand my needs and helped me find the right insurance coverage. Professional, knowledgeable, and easy to work with — highly recommend!"
Samantha T, Pennsylvania
"Great policies and really insightful on making proper recommendations. Just got a whole life policy which had better offerings than any other company out there"
Aakash P., New Jersey
"My experience with Carlton was great, he’s very knowledgeable on life insurance and after having a conversation about my life he offered me a policy that he believed that was best for me and my family. I recommend him to anybody who looking for life insurance."
Javon T., Florida
"I met Carlton a few years ago when I was looking for life insurance, we reviewed my other policies and bought based off of what I needed. He helped me understand insurance to a point where I could sell it the reason I point that is because you should understand the product you have and how it works he’s that good. I’ve recommended Carlton to friends and family members already. It’s very rear to find someone as knowledgeable and helpful as he is. Give Carlton a call today."
Maurice T., New Jersey
Meet Carlton Wood
I got into life insurance with one mission in mind—to help families find peace of mind and financial security. After seeing too many people leave their loved ones unprepared, I made it my purpose to guide others toward affordable, reliable coverage that protects what matters most. Today, I specialize in Final Expense plans that take the burden off your family when it matters most—so you can focus on living, knowing your legacy is secure.
FREQUENTLY ASKED QUESTIONS
What is Final Expense Insurance?
Final Expense Insurance is a small, affordable life insurance policy designed to cover end-of-life costs such as funeral expenses, medical bills, and outstanding debts. It ensures your loved ones aren’t left with a financial burden.
How much coverage can I get?
Most plans offer $5,000–$50,000 in coverage, depending on your needs, health, and budget.
Do I have to take a medical exam?
In most cases, no medical exam is required. Many plans are issued based on answers to simple health questions.
How much does it cost?
Plans are tailored to your age, health, and the amount of coverage you choose. Most people are surprised at how affordable it is—often just a dollar or two a day.
Will my rates ever go up?
No. With the right Final Expense policy, your monthly premium is locked in for life. Your coverage amount will never decrease, and your payments will never increase.
What happens if I have health issues?
Many companies offer coverage for people with health concerns. If you don’t qualify for immediate coverage, you may still be eligible for a “guaranteed issue” plan.
How fast does the policy pay out?
In most cases, benefits are paid to your beneficiary within days of the claim being filed—so your family has the funds when they need them most
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