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Text Content

855-627-1882 Call Us

Final Expense Life Insurance

Just a few quick & easy
questions to get your quote

Name


Gender
Male
Female
Date of Birth


Zip Code


Phone Number


Email


Request a Quote


Efinancial, LLC provides quotes from Fidelity Life and other insurers on this
site. These entities are not affiliated with Progressive.

By pressing the button above you agree to this website's Privacy Policy, and you
consent to receive offers of insurance from Efinancial, LLC at the email address
or telephone numbers you provided, including autodialed, pre-recorded calls, SMS
or MMS messages. Message and data rates may apply. You recognize and understand
that you are not required to sign this authorization in order to receive
insurance services from eFinancial and you may instead reach us directly at
(855) 627-1882.

Your family now has less to worry about when grieving

Coverage never expires and can help pay for bills, debts, funeral costs, etc.

Guaranteed coverage

If you’re between the 50-85, you will not be turned down for health reasons.

No medical exam

Skip the medical exam, and get your coverage as soon as you’re ready.

Benefits paid quickly

Your family will likely get the payout within 7-10 business days.

Guaranteed coverage

If you’re between the 50-85, you will not be turned down for health reasons.

No medical exam

Skip the medical exam, and get your coverage as soon as you’re ready.

Benefits paid quickly

Your family will likely get the payout within 7-10 business days.

 1. 
 2. 

Privacy Policy Terms of Use & Legal Important Program Facts

Invitations for application for life insurance on eFinancial.com are made
through Efinancial, LLC or through its designated agent, Michael Bowcock, only
where licensed and appointed. License numbers are available upon request and are
automatically provided where required by law. Michael Bowcock is a licensed life
insurance agent in all 50 states, including the District of Columbia, and his
resident state of Illinois. Michael Bowcock's Illinois license number is
11736943; in California, 0G99555; in Louisiana, 589562; in Minnesota, 40333060;
in Utah, 445133; in Massachusetts, 1884080; and in Texas, 1617308. Efinancial,
LLC’s California license number (d/b/a eFinancial Term Insurance Services) is
0F37537; in Louisiana, 323680 and in Utah, 104501.

Efinancial, LLC places policies for Progressive® Life customers with the
insurers listed in the following paragraph. None are affiliated with
Progressive. Fidelity Life Association, A Legal Reserve Life Insurance Company,
is affiliated with eFinancial.

Insurers: American General Life and Accident Insurance Company, Nashville, TN;
Banner Life Insurance Company, Frederick, MD, and William Penn Life Insurance
Company, Garden City, NY, both Legal & General America companies; Fidelity Life
Association, A Legal Reserve Life Insurance Company, Chicago, IL; North American
Company, Sioux Falls, SD; Protective Life and Annuity, Birmingham, AL; Pruco
Life Insurance Company, Newark, NJ and Pruco Life Insurance Company of New
Jersey, Newark, NJ, member companies of Prudential Financial, Inc., Newark, NJ;
Transamerica Financial Life Insurance Company, Harrison, NY, and Transamerica
Life Insurance Company, Cedar Rapids, IA, both AEGON companies.

Products, rates and time required to purchase a policy vary by insurer.


PRIVACY POLICY

The information we (eFinancial) receive from you is used to provide you with a
quote or application for insurance coverage. The insurance company uses the
information to determine the insurability of each applicant. If you provide any
personally identifying information to us, we want you to understand the
following:

WHY WE COLLECT YOUR INFORMATION

We collect your information to prepare insurance quotes, to complete the
application process online, to contact you during the application process, and
to make special offers to you related to insurance products and services.

HOW WE USE YOUR INFORMATION

Your Choice: We may use information you provide on this website to provide
insurance information to you, and we may provide the information to third
parties whom we consider to be trustworthy with the intent that they provide
insurance information to you. Both us, and the third parties (including
Progressive Advantage Agency, Inc. and other Progressive companies), may use
this information for the purpose of offering additional products and services to
you. If you do not wish to receive offers for additional products or services,
you should not provide personal information or contact information through this
site. Also, if you do provide personal information or contact information, you
may review Choices You Have Regarding Your Information below, which provides you
with an opportunity to opt-out of receiving special offers from eFinancial (but
not from the third parties with which we share your information).

Insurance Quote Form: Our site features a brief form you complete to view rates
from various insurance companies. If you provide contact information such as
your email or phone number, we view this as your express invitation that we
contact you about insurance even if you are on the state or federal "Do not
Call" list.

Insurance Application Request Form: Our Insurance Application Request Form
allows you to request an application online for insurance coverage. This form
collects additional contact, medical and lifestyle information that is required
whenever you buy life insurance.

When you buy a policy through eFinancial.com, we act as agent for the insurance
company to which the application is sent. We provide customer information which
you provide to us to the insurance company, as it may be required to process the
application and service the policy, and we may use such information to offer
other products or services to you, our customers.

How insurance carriers use your information: Eventually, we'll submit all
information we gather during the application process to the insurance company
you selected. Insurance companies use personally identifiable information to
determine your final insurance eligibility and rates. Insurance underwriting
criteria may vary for each participating insurance company, and each company may
place different emphasis on different information on your application. We may
also share any information about you with Progressive companies, which may use
such information to offer other products or services to you.

Cookies: A cookie is a small text file saved on your computer's hard drive and
stored in memory while your browser is running. Cookies make it easier for a
user to navigate the Web, and to complete transactions over the Internet. Usage
of a cookie is in no way linked to any personally identifiable information while
on our site. eFinancial.com and/or Progressive Advantage Agency, Inc. may
contract with certain partners that utilize ad-serving technology. To gauge the
effectiveness of advertisements, a campaign number is assigned to the vendor for
which you came to visit our site. This will remain on your URL when you return
to our site.

You may elect to disable cookies in your browser. Please refer to your computer
or operating system user manual for information on how to disable cookies.

Third-Party Advertising and your ad choices: We use third party advertising
companies on our site. Some of these advertisers may use technology such as
cookies that collect information when they advertise on our site. Some of these
companies may use this information (which does not include personally
identifiable information such as your name or email address) about your visits
to this site and other websites in order to provide advertisements about goods
and services of interest to you. If you would like more information about this
practice and to know your choices about not having this information used by
these companies, you may visit one the advertising industry approved choice
mechanisms at http://www.networkadvertising.org/choices/ or
http://www.aboutads.info/choices/ and follow the instructions on how to opt-out.
We timely respond to Web browser “do not track” signals or other mechanisms that
consumers utilize to exercise choice regarding the collection of their personal
information about their online activities over time.

HOW WE COMMUNICATE WITH YOU

Contact by telephone to verify information and to assist you with your life
insurance application request or policy.

Contact by email to verify information, to assist you with your life insurance
application request or policy, to conduct surveys, and to provide you with
additional insurance information, service announcements, special offers or other
money saving opportunities.

CHOICES YOU HAVE REGARDING YOUR INFORMATION

Quote Request and Application Request Forms: Your decision to provide personal
contact or medical information is strictly voluntary and will not prevent you
from receiving a quote for life insurance. You may call us TOLL FREE at
888.500.TERM, and we will be happy to quote insurance rates and complete your
application request by telephone.

If you elect to provide personal or contact information through this site,
eFinancial may use or disclose the information you provide to trusted third
parties, and eFinancial, or the third parties, may use the information to send
relevant offers to you which we, or the third parties, believe would be of
interest to you. If you wish to opt-out from receiving any offers from
eFinancial, please visit this link Opt Out or send an email request to
unsubscribe@eFinancial.com. Please note, that even if you select to Opt Out
after providing your information through this site, third parties may still
contact you. As such, if you do not wish to be contacted, do not provide any
personal contact information through this site.

Email Notifications: eFinancial may use or disclose information gathered from
the site in order for eFinancial or third parties to send relevant offers we
believe would be of interest to you.

If you wish to opt-out from receiving offers from eFinancial, please visit this
link Opt Out or send an email request to unsubscribe@eFinancial.com. Please
note, that even if you select to Opt Out after providing your information
through this site, third parties may still contact you and you must opt-out
directly with those third parties. As such, if you do not wish to be contacted,
do not provide any personal contact information through this site.

INFORMATION RELEASE

Unless you give us permission to do so, or unless law requires us, we do not
willfully use or disclose personally identifiable information to third parties
for any purpose other than described above.

We have security provisions in place to protect your information; however, no
security system is impenetrable. If you feel uncomfortable submitting any
personal information through the eFinancial.com website, you may call us at
866-912-2477 and obtain Free Life Insurance Quotes over the phone.

HOW TO CHANGE YOUR INFORMATION

If you have received a communication from us in error, or if you wish to change
your information, please email us at compliance@eFinancial.com. We'll respond to
your inquiry via email, and we'll let you know the action we've taken.

CHANGES TO EFINANCIAL'S PRIVACY POLICY:

We reserve the right to change our privacy policy, and if so, we will post these
changes to this privacy statement and to other relevant places on our site so
that visitors are aware of the change. We encourage you to check this posted
privacy statement for updates. When changes are made, we will post the last date
on which the privacy policy was changed below. In addition, you may request the
prior version of the privacy policy by emailing us at compliance@eFinancial.com
and requesting the last version of the privacy policy prior to the most recent
change.

Last Date Changed Was: 8/2/2016

EFINANCIAL'S MARKETING PRACTICES

eFinancial.com works with advertising companies and other marketers to promote
our service. We take every possible step to ensure that every company
advertising for us is doing so on a legal and ethical basis. We do not
participate or tolerate any SPAM or unauthorized emailing of any kind. We have a
ZERO tolerance policy for SPAM and unethical marketing practices. Before working
with any advertiser we require that their email lists have all been generated by
people opting in to receive offers and that they maintain an “Opt-Out”/"Remove
List". If you believe that you have received one of our emails and you did not
"Opt In" to receive offers then please forward the email to
marketing@eFinancial.com and we will take action to resolve the matter.

If you ever have questions about our privacy policy, please email us at
compliance@eFinancial.com. We take your privacy very seriously.


TERMS OF USE

These Terms of Use constitute an Agreement between you and eFinancial and, where
applicable, between you and Michael Bowcock. By using this website, or any of
the associated sites, hardware, software, or services (also collectively
referred to below as the "website"), you agree to these Terms of Use in full.
You also agree to provide true, accurate, current and complete information if
requested by this website. If you do not agree with these Terms of Use in full,
including our Privacy Policy in full, as provided below and at our Privacy
Policy, then you are not authorized to use any service of this website, and you
should not provide any information through this website.

AGE RESTRICTION (18 YEARS OR OLDER)

Currently, you must be eighteen (18) years of age or older to use this website,
and if you are under the age of 18, you are hereby expressly notified that you
are not permitted to provide any information through this website, for any
purpose, including seeking insurance information or services. eFinancial and
Michael Bowcock are not responsible for monitoring or seeking verification of
user qualification or age. However, if eFinancial discovers that a user is
accessing this website in violation of these Terms of Use, eFinancial may
immediately take action to terminate such access if possible. We are sorry for
any inconvenience this may cause.

DISCLAIMER

eFinancial's materials and information are provided "As Is". There are no
warranties expressed or implied by this website. Materials on eFinancial.com are
provided for research and comparison purposes only. eFinancial.com and Michael
Bowcock assume no liability for the accuracy of the information provided. We
make every effort to provide the highest quality material on eFinancial.com but
because of the technology involved we may at times encounter technical
difficulties or inaccuracy. eFinancial.com life insurance comparison and
shopping services is a free service provided by eFinancial to help consumers
shop for life insurance, and all disclaimers herein apply. Insurance requested
through eFinancial.com is transacted through Michael Bowcock, a life insurance
agent. Access to products and carriers are available through eFinancial.

LIMITATION OF LIABILITY

To the fullest extent permissible under applicable law, in no event shall
eFinancial, or Michael Bowcock, be liable to you for damages of any kind
whatsoever including, but not limited to: direct, indirect, consequential,
special, incidental, including without limitation, lost profits or damages
resulting from lost data or business interruption, or punitive damages of any
kind whatsoever that may result from your use of or inability to use this web
site or the materials or services provided on this web site or the products or
services received from this web site. Exemptions of implied warranties may not
be allowed in all jurisdictions. In such case, in no event shall eFinancial's
total liability to you for all damages, losses, and causes of action exceed the
amount paid by you, if any, for accessing this web site.

It is your responsibility to evaluate your needs for life insurance and the
accuracy of the information we provide. eFinancial.com or Michael Bowcock do not
render any information contained as legal, professional, tax, or other advice. A
tax or legal advisor may be necessary in evaluating your personal situation.

STATE LICENSE NUMBERS

Michael Bowcock is a Life Insurance Agent in the following states under the
following insurance licenses:

Alabama 449309
Alaska 113729
Arizona 963365
Arkansas 11736943
California 0G99555
Colorado 351962
Connecticut 2430275
Delaware 1329934
Florida W144127
Georgia 2707407
Hawaii 401898
Idaho 445167
Iowa 11736943
Illinois 11736943
Indiana 692213
Kansas 11736943
Kentucky 725528
Louisiana 589562
Maine PRN216233
Maryland 100036958
Massachusetts 1884080
Michigan 536828
Minnesota 40333060
Mississippi 10287528
Missouri 8046043
Montana 11736943
Nebraska 11736943
Nevada 879368
New Hampshire 2271186
North Dakota 11736943
New Jersey 1274979
New Mexico 326865
New York LA-1150265
North Carolina 11736943
Ohio 990734
Oklahoma 100158328
Oregon 11736943
Pennsylvania 572953
Rhode Island 2263026
South Carolina 555369
South Dakota 40330874
Tennessee 2005296
Texas 1617308
Utah 445133
Vermont 879624
Virginia 767747
Washington 760446
Wisconsin 2553466
West Virginia 11736943
Wyoming 242858
The District of Columbia 3044429

USER CONDUCT

You promise NOT to use this website for any of the following purposes or
activities:

 1. conducting or supporting illegal activity of any type whatsoever;
 2. transmitting or storing worms or viruses or any code of a destructive
    nature;
 3. threatening, harassing, abusing, impersonating, injuring or intimidating
    others;
 4. interfering with others' use of this website, unless such interference is
    for the purpose of complying with another section of these Terms of Use;
 5. delivering spam or collecting information to deliver spam, or sending
    unsolicited email advertisements;
 6. decompiling, disassembling, reverse engineering or otherwise attempting to
    discover any source code contained in this website;
 7. disguising the origin of any content transmitted through this website or
    manipulating your presence on the website; and/or
 8. causing the launch of any automated system(s) that accesses this website in
    a manner that sends more request messages to servers of the website in a
    given period of time than a human can reasonably produce in the same period
    by using a conventional online web browser.

OTHER IMPORTANT TERMS

Jurisdiction: We do not imply that the materials or services on this website are
available or for use outside the United States or that we are soliciting
business in any such jurisdiction.

Miscellaneous: These Terms of Use, and the agreement they create, shall be
governed by and interpreted according to the laws of the State of Washington,
without giving effect to Washington's conflict of laws principles.

If any provision of this agreement is unlawful, void or unenforceable, it shall
not affect the validity and enforceability of any remaining provisions. We may
modify these Terms of Use at any time, simply by updating this posting or the
information on this website and without notice to you.

Intellectual Property Notice: The mark EFINANCIAL, and the other design(s) and
stylizations associated therewith are the properties of Efinancial, LLC, in the
USA. This website and related software are protected under US and international
copyright laws and you are hereby notified that copyrights are claimed by
eFinancial. You agree to abide by any and all copyright notices displayed on
this website.

For Customer Service Call Toll Free 1-866-765-4296

Michael Bowcock is a licensed life insurance agent in all 50 states, including
the District of Columbia, and his resident state of Illinois. Michael Bowcock's
Illinois license number is 11736943; in California, 0G99555; in Louisiana,
589562; in Minnesota, 40333060; in Utah, 445133; in Massachusetts, 1884080; and
in Texas, 1617308. Efinancial, LLC’s California license number (d/b/a eFinancial
Term Insurance Services) is 0F37537; in Louisiana, 323680 and in Utah, 104501.


IMPORTANT PROGRAM FACTS

Progressive Advantage Agency, Inc. refers consumers seeking Progressive® Life by
eFinancial to Efinancial LLC for placement with insurers offering that coverage.
eFinancial and the insurers are not affiliated with Progressive and may share
information about you with Progressive. The insurers are solely responsible for
claims.

PAA receives compensation that may vary based on the number of applications
taken by eFinancial and the policy you buy. Contact Progressive at 855-347-3139
for more details about the compensation.

PAA and Progressive are not responsible for this website, for insurer or
coverage selections, or for policy(ies) issued.

Availability may vary by state. All coverage is subject to policy terms and
conditions, which may vary between insurers.