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Federal Life Insurance Company Mutual

Federal Life Insurance Company Mutual is an independent insurance firm that has been doing business since 1899. The company has been a member of the Better Business Bureau since 1952, and currently holds an A+ rating. It offers a number of life insurance products including whole life and final expense (or burial) plans. Federal’s final expense plan features lifetime coverage with premiums that are guaranteed to never increase, as well as death benefits that are generally free from government income tax restrictions. The final expense plan requires no medical exam, simplified underwriting, and guaranteed level premiums up to age 100. Death benefits range from $2,500 to $25,000. Individuals from the ages of 40 to 80 are eligible to apply for coverage. Final expense plans are available in

Alaska Georgia Iowa Minnesota Ohio Utah
Arkansas Hawaii Kentucky Missouri Pennsylvania Virginia
Arizona, Idaho Louisiana New Jersey South Carolina Wisconsin
Colorado, Illinois Maryland New Mexico Tennessee
Florida Indiana Michigan North Carolina Texas

How much does a burial insurance policy cost?

Burial insurance premiums vary based on a host of factors, including your age, your current health, your location, and the type of policy you select. If you are a smoker, an alcoholic, or have a history of heart disease in your family, you will likely pay higher insurance premiums if you are able to obtain a burial policy. If you are younger and have no current health issues, you will be able to obtain much lower premiums. Most insurance companies will not offer burial insurance to individuals age 85 and older. If you are close to this age already, you may be able to obtain burial insurance, but your premiums will be high.

How long does a burial insurance policy last?

Your burial insurance will last until your death. After your death, your beneficiary will receive a cash payout for the amount of your policy. Burial insurance policies do not expire, and may only be cancelled in the case of insurance company fraud or by you refusing to pay your insurance premiums.

How to get started with Federal Life Insurance Company Mutual

If you are already a Federal Life Insurance Company Mutual customer, you should contact your local office and inquire about a final expense policy. If you are a prospective customer, you can obtain a quote and start the application process by calling or emailing the company using the information below. You may also shop for policies using our comparison tool by clicking on the following link.

Financial Strength Ratings

AM Best – Not rated
Moody’s – Not rated
Standard & Poor – Not rated

Company contact info

Federal Life Insurance Company Mutual
3750 West Deerfield Road
Riverwoods, IL 60015
(800) 233-3750