Life Insurance
You can’t predict the future—but you can protect the people you love.
Whether you're replacing income, covering final expenses, or building long-term financial security, we help you find the right life insurance plan—without pressure or confusion.
At Mere, our team walks with you to create a plan built around your goals, budget, and season of life. The right time to plan is before you need it.
What Life Insurance Can Do For You
Life insurance is more than just a safety net—it’s a smart and loving decision. Depending on your situation, it can help:
Replace income if the main earner passes away
Cover the unseen cost of losing a stay-at-home parent
Cover funeral, cremation, or burial expenses
Provide for college or loved ones’ future needs
Offer tax-advantaged retirement strategies
Access cash in the event of serious illness (living benefits)
Types of Life Insurance
We’ll help you choose the right type based on your goals. Here are the most common life insurance options we guide clients through:
Term Life Affordable protection for a specific number of years. Great for covering income, mortgage, or kids’ futures.
Whole Life Lasts your entire life and builds guaranteed cash value over time.
Final Expense Designed to cover end-of-life costs like burial or cremation (scroll below to learn more).
Indexed Universal Life (IUL) Offers flexible premiums and can grow cash value linked to the stock market—often used for retirement planning or legacy strategies.
Not sure which one fits your life? That’s what we’re here for.
Book An Appointment NOW!
Ready to secure your peace of mind through the best life insurance plan for you and your family?
Look no further! Mere is here to guide you every step of the way.
Why Waiting is A Risk
Coverage will never be more affordable than it is today. Every year you delay, premiums go up. If your health changes, your options narrow. Many people wish they’d acted sooner. Don’t wait until it’s too late to protect the people you love.
The Problem: Rising End-of-Life Costs
The average funeral today costs between $7,000 and $12,000. Without a plan in place, families may be left dipping into savings, taking on debt, or facing financial hardship during an already emotional time.
Why Choose Mere for Final Expense?
At Mere, we make the process simple, honest, and human:
Affordable Plans Coverage to fit your monthly budget
Simplified Process No medical exam required—just a few health questions
Fast Approval Some policies issue in 24–48 hours
Compassionate Support We’re here for you every step of the way
How It Works
Complete the Short Form – Tell us about your needs
Talk to Our Team – We'll answer your questions
Pick a Plan – Choose what fits your life and budget
Get Expert Help Today
Our licensed advisors are ready to answer your questions and guide you toward the right coverage.
Need More Than Final Expense?
If you're looking for a bigger safety net—something to protect your income, leave a legacy, or offer living benefits—we’ve got you covered.
Frequently Asked Questions
What if my health isn’t great anymore? Can I still get life insurance?
Yes. We work with carriers that offer no-exam and guaranteed-issue policies. Even if you’ve been declined before, don’t give up. Let us help.
How much does life insurance cost?
It depends on your age, health, and what you’re trying to accomplish. Whether you’re protecting income, covering a stay-at-home parent’s contribution, or planning for burial—we help find a policy that fits your budget.
Do stay-at-home parents need life insurance too?
Absolutely. Replacing caregiving, home management, and emotional support can cost thousands per month. Life insurance helps preserve stability for your family.
Is life insurance just for funeral costs?
Not at all. While Final Expense covers that need well, other plans can also help pay off debt, replace income, fund education, or build wealth.
Why should I talk to you if I already have life insurance?
Because over 70% of people we review are in the wrong plan—either overpaying, under-covered, or outdated. A review is quick and could save you a lot.
Do I need a medical exam to qualify?
Not always. Many plans are available with just a simple health questionnaire, and some don’t ask medical questions at all.
Can life insurance help me while I’m still alive?
Yes! Some plans offer living benefits that provide a payout if you’re diagnosed with a critical or chronic illness. Others grow cash value you can access for emergencies or retirement.
How long does it take to get coverage?
Some policies approve in as little as 24 hours. Others may take a week or two depending on type and health status. The key is to start the process now while options are open.
What’s the first step?
Let’s talk. There’s no pressure, just real information and clear next steps. You don’t have to figure it out alone.
Take The Next Step
Life insurance is for the people you love most. Whether you’re just exploring your options or ready to apply, we’re here to help you move forward.
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Licensed Insurance Agency
Not connected with or endorsed by the United States government or the federal Medicare program
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Medicare has neither reviewed nor endorsed this information. Not affiliate with or endorsed by the United States government, the federal Medicare program. Social Security, or
Healthcare.gov.
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[email protected]. We’ll be happy to help.
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