Why GraceCover — The Credibility Hub

22 Years. Three A-Rated Carriers. One Mission.

Built on a 22-year agent track record across Security National Life, New York Life, The Hartford, and others — consolidated around three A-rated carriers and a coordinated product trio: simplified underwriting, no medical exam, and guaranteed acceptance. See your real rate in 2 minutes.

22+ years of agent experience
Three A.M. Best A-rated carriers
No medical exam for most applicants
No applicant 60–85 declined for age

22 Years Across Top Carriers — One Consultative Approach

GraceCover was founded by Rob, a licensed insurance agent whose career spans the senior, broad-market, and wealth-management sides of the industry.

Rob has spent over two decades in the insurance industry, working with companies including Security National Life, New York Life, The Hartford, Humana, Combined Insurance, and UBS. He's closed policies across the full spectrum — from small whole life policies to $250,000+ term and universal life plans.

What sets him apart isn't just the volume of business — it's the approach. Rob is a team coach for The Rising Tide sales team, where he trains agents on honest, consultative selling. No pressure. No bait-and-switch. Just clear information so families can make the right call for their situation.

He founded GraceCover to bring the same approach to final expense insurance — a product that is often shrouded in confusion, hidden rates, and high-pressure sales tactics. GraceCover puts the rates on the table upfront so you can see exactly what you'll pay before you talk to anyone.

Read the full story on the About page.


Three A.M. Best A-Rated Carriers Underwriting GraceCover Quotes

All three carriers are A.M. Best A-rated and use simplified-issue underwriting — no medical exam, no paramedical visit, no blood work. Rates vary by age, gender, tobacco status, and coverage amount.

Security National Life

A A.M. Best · Excellent

The primary underwriting partner for GraceCover quotes — known for accepting applicants up to age 90 and underwriting most common health conditions at Preferred rates.

Get an SNL quote →

Mutual of Omaha

A+ A.M. Best · Superior

A long-standing carrier in the senior market with simplified-issue products that accept most common health conditions. Strong reputation for policyholder service.

Get a quote →

Transamerica

A A.M. Best · Excellent

Final expense policies available up to age 85 with simplified underwriting. A good secondary option for applicants whose age or coverage amount falls outside SNL's sweet spot.

Get a quote →

One Carrier Line-Up, Three Coordinated Products for the 60–85 Segment

GraceCover consolidates its underwriting choice across three products — each designed around a different point on the no-exam / guaranteed-acceptance / simplified-underwriting spectrum.

No Medical Exam

Simplified-issue underwriting — no paramedical visit, no blood work, no waiting on labs. Answer 5–10 health questions and see your monthly premium instantly.

Read the no-medical-exam page →

Guaranteed Acceptance

The practical equivalent most families actually mean — GraceCover's simplified-issue quoting accepts all applicants 60–85 with no decline for age alone.

Read the guaranteed-acceptance page →

Simplified Underwriting

The standard 60–85 product — Preferred tier with no waiting period, Modified tier for a specific set of qualifying conditions, no paramedical exam.

Read the simplified-underwriting page →

See Your Rate in 2 Minutes

Enter your ZIP and pick a coverage amount. We'll show your monthly premium from an A.M. Best A-rated carrier — no medical exam required.

No medical exam. Premiums locked forever. No spam.


Ready to See Your Actual Rate?

No medical exam. No waiting on labs. No sales call required. Just your monthly premium from an A-rated carrier — in under 2 minutes.

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No medical exam. Premiums locked forever. No spam.