Final Expense & Life Insurance Guidance
Life Insurance MadePersonal and Simple
Protect the people you love with coverage selected for your needs, health, and budget. Michael Janas helps you compare life insurance options from established carriers and understand what you are buying — without unnecessary pressure.
Personal guidance • Multiple carrier options • No-cost consultation
A Different Kind of Insurance Conversation
Independent Guidance
Explore options from multiple insurance companies instead of being limited to a single carrier.
Coverage for Real-Life Needs
Find protection for final expenses, family income, debts, or other responsibilities.
Straightforward Explanations
Understand the policy, premium, benefit, and important limitations before making a decision.
Personal Service
Work directly with a licensed agent who can help before, during, and after the application.
Our Primary Focus
Help Protect Your Family From Final Expenses
Final expense insurance is generally a form of whole life insurance intended to help your beneficiaries handle the costs that come at the end of a life — so your family can focus on each other, not on bills.
Benefits are commonly used for:
- Funeral and burial expenses
- Cremation costs
- Medical bills
- Credit card balances
- Small debts
- Other final obligations
- Money left to loved ones
At a Glance
- Generally designed for older adults
- Permanent coverage when premiums are paid and policy requirements are met
- Level premiums on many products
- Coverage amounts vary by carrier
- Simplified underwriting may be available
- Some policies include a graded or modified benefit period
Product features, eligibility, coverage amounts, and benefits depend on the specific insurance carrier and policy. This page is for general education only.
The Process
How Working Together Works
Tell Us What You Need
Complete a short form or call Michael to discuss your goals.
Review Your Options
Michael helps compare available policies based on your age, health, state, and budget.
Apply With Confidence
Choose the option that fits your needs and receive guidance through the application process.
Ongoing Service
Contact 1907 Insurance Group when you have questions about your coverage.
Coverage Options
Life Insurance for the Way Real Life Works
Final Expense Insurance
- Permanent whole life coverage
- Often used for funeral costs and final bills
- Commonly designed for adults in later stages of life
- Coverage and eligibility vary by carrier
Term Life Insurance
- Coverage for a selected period of time
- May provide larger death benefits at an initially lower premium
- Often used for family income, debts, or children's needs
- Coverage ends or changes after the selected term unless renewed or converted according to the policy
Mortgage & Family Protection
- Intended to help loved ones handle a mortgage, debts, or income loss
- Can help with other ongoing financial responsibilities
- Policy selection should be based on your family's overall needs
Your Needs Come Before Any One Insurance Company
Insurance companies evaluate age, health, medications, and medical history differently. As an independent agent, Michael can help identify available options and explain the differences so you can make an informed choice.
- Access to more than one insurance carrier
- Help evaluating underwriting differences
- Options suited to different health histories
- Plain-language comparisons
- Personalized assistance
- No separate fee to request a quote or talk
Where Coverage Comes From
Coverage Options From Established Insurance Companies
Transamerica Life Insurance Co
Mutual of Omaha
Guarantee Trust Life Insurance Co
American Amicable Life Insurance Co
CoreBridge Financial
Aflac
Gerber Life Insurance
Carrier availability varies by state, product, applicant eligibility, and agent appointment. Not every product or carrier is available in every situation. Carriers shown are those 1907 Insurance Group works with; active appointments are confirmed before any recommendation is made.
Meet Your Agent
Insurance Guidance From a Real Person
Michael Janas is an independent licensed life insurance agent and the founder of 1907 Insurance Group. He helps individuals and families understand their coverage options and choose policies suited to their needs, health, and budget.
Michael believes buying life insurance should begin with a clear conversation — not pressure. His goal is to explain the available options in understandable terms, answer questions honestly, and help each client make an informed decision for their family.
Common Questions
Honest Answers, in Plain Language
Specific answers always depend on the insurer and the policy — but these will give you a solid start.
See All FAQsProtecting Your Family Can Start With One Conversation
Tell Michael what you want your life insurance to accomplish. He will help you review the available options and determine what may fit your needs and budget.
No pressure. No obligation. Just straightforward help understanding your options.