Final Expense and Term Life Insurance

Your family should grieve
not guess how to pay for it.

A small policy today means your loved ones will not be scrambling for ten thousand dollars on the worst day of their lives. Less than a coffee a day. Coverage that cannot expire. Approval without a medical exam.

A rated · A.M. Best
Since 1951
100% Union Label
NYSE: GL
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The Fifteen Thousand Dollar Gap

The number nobody wants to talk about.

Here is the math nobody shows you at the funeral home. Write it down. Then ask yourself where this money comes from when your time comes.

$0
Average funeral and burial cost in the United States
Source: National Funeral Directors Association
$0
Amount 40 percent of American families cannot cover in an emergency
Source: Federal Reserve
$0
The gap your family is expected to find in 72 hours
Source: Simple subtraction

This is the quiet crisis nobody prepares for. GoFundMe pages. Second mortgages. Credit cards maxed out to bury a parent. Or you fix it now, for pennies a day, and your people never have to look at that number.

Your Free Quote

Sixty seconds. Simple health qualification. No obligation.

Answer five short questions and Ernie personally calls you back with your exact price. No call centers. No robots. No pressure. Just a working man helping another working family get it done.

Ready when you are.

Five short questions. Sixty seconds. Quick health qualification, no obligation, no pressure, no selling your information to anyone.

A.M. Best A Rated
SSL Encrypted
TCPA Compliant
No Selling Your Info
Why Globe Life AIL

The carrier that has stood with working families since 1951.

Ernie Tackett represents Globe Life American Income Division, the union label insurance company trusted by 65 international unions and more than 40,000 working class groups across America. This is not a startup. This is not a lead flipper. This is the A rated carrier that has been paying claims for 74 years.

A
Excellent

A.M. Best A Rated

Globe Life AIL holds the A (Excellent) Financial Strength Rating from A.M. Best Company as of November 2025. That is the benchmark rating for insurance company stability.

74
Years

Since 1951

Three generations of American families have counted on this carrier. Founded on a bedrock of supporting labor. Still writing policies under the union label every single day.

65
Unions

Union Label Company

Globe Life AIL works with 65 international unions and over 40,000 labor groups, credit unions, and associations. 100 percent union label from the writer to the executive office.

$88B
In Force

Backed by a Titan

Parent company Globe Life Inc. trades on the New York Stock Exchange as GL, an S&P 500 company with $88 billion of life insurance in force. The financial muscle behind every policy.

49
States

Licensed Nationwide

Licensed in 49 states plus the District of Columbia. Portable coverage that moves with you if you move or change jobs. Your protection does not expire with your employer.

40K+
Groups

Working Family Focus

This carrier was built specifically for the people who do the work in America. Teachers, pipefitters, nurses, carpenters, drivers. People like you. Not the boardroom.

Credentials
Licensed Rep, Globe Life American Income Division
Turnquist Organization
A.M. Best A (Excellent) Carrier
Serving 49 states
Meet Ernie

I am not a call center. I am the guy answering your phone.

My name is Ernie Tackett and I work with families who want to make sure their people are not stuck with funeral bills and final debts when their time comes. That is it. That is the whole job.

I represent Globe Life American Income Division through the Turnquist Organization. Most of the folks I help are working people. Union members. Credit union members. Regular Americans who do not have a spare fifteen grand sitting around for the worst day of their life.

Here is what I promise you. When you fill out the form on this page, you get me. Not a dialer. Not a call center in another country. Not a spam list that sells your information six times before breakfast. Me. I call you, I listen to what you need, I find the plan that fits your budget, and if it is not a fit I tell you so. That is how I do business.

Straightforward health questions, fast qualification. Rates locked in for life. Coverage that pays in days, not months. And a real human being who picks up when you need something.

Talk soon.
Ernie Tackett
Licensed Insurance Representative, Globe Life American Income Division, Turnquist Organization
Real Families. Real Coverage.

Working families are protecting themselves every day.

Ernie did not try to sell me the biggest policy. He asked what I could afford, looked at what my family would actually need, and got me a plan for less than I pay for cable. That is the kind of honesty you do not find in this business.

Carolyn W.
Missouri
Coverage
Final Expense, $15,000

My husband passed last year and his policy through Globe Life paid out in eight days. Eight days. Our daughter did not have to put her wedding ring up for the funeral. I will be loyal to this company until the day I die.

Margaret H.
Arkansas
Coverage
Beneficiary of Final Expense claim

I am union, my dad was union, my grandpa was union. When Ernie told me Globe Life is a union label company I knew I was in the right place. Got a term policy for my kids and a final expense for me. Sleep better already.

Daniel P.
Missouri
Coverage
Term Life $250k plus Final Expense $10k

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Questions People Actually Ask

The honest answers nobody gives you on the phone.

For most Final Expense policies through Globe Life AIL, no. You answer a handful of health questions and get approved in minutes. For larger Term Life policies, a simple in home paramedical exam may be required. Ernie will tell you upfront which path fits you best.
A $10,000 Final Expense policy for a healthy 55 year old runs around $40 to $60 per month. A $15,000 policy for a 65 year old runs around $75 to $100 per month. Your exact rate depends on age, health, and coverage amount. Ernie will give you your real number in one phone call, not a range.
Most people with managed conditions like diabetes, high blood pressure, or heart medication still qualify at standard rates. Even if you have had a serious health event recently, Globe Life offers coverage options for a range of health situations. Coverage requires basic health qualification. We make the process as simple as possible and walk you through it.
Once your policy is in force and premiums are paid, the death benefit is guaranteed and paid directly to your named beneficiary, usually within days. Globe Life has paid billions in claims. Guaranteed issue plans have a two year graded period where accidental death pays full benefit and natural causes return premiums plus interest.
No. Whole life Final Expense policies lock your rate in for life. The premium on the day you sign is the premium on the day your family files the claim, whether that is next year or forty years from now. Term Life rates are locked for the term you choose, 10, 20, or 30 years.
You can cancel any time. Most states also require a free look period, typically 10 to 30 days, where you can return the policy for a full refund for any reason. There is no long term contract trap.
Ernie is local. He lives and works in your community. Globe Life AIL is the carrier behind him. That gives you the relationship of a local agent and the financial muscle of a 74 year old NYSE listed insurance giant. You get the best of both.
Ernie gets a text with your information. He calls or texts you personally, usually within a few hours, at the number you provide. You have a short conversation about what you actually need. He sends you the exact quote. You say yes, no, or maybe. That is the entire process. No pressure. No surprises.

Still have questions? Call Ernie directly and get a real answer in plain English.

One conversation changes everything.

Your family has a plan, or they have a problem.

Pick which one you leave them with. Sixty seconds on the form. One phone call with Ernie. A policy that costs less than your streaming subscriptions and protects the people who matter most. That is the whole deal.

Call Ernie Direct

Rates are based on your age today. Every month you wait costs you real money.