Final Expense Insurance | Sacramento, CA

Your family gets a check, not a funeral bill.

Final expense insurance is a small whole life policy that pays funeral and burial costs directly to the person you name. Ron Kinnersley writes it for Sacramento families, along with term life, whole life, mortgage protection and ACA health plans, and he is licensed to sell in 31 states.

(279) 599-3752

✓ Independent agent, not captive to one carrier✓ No office visit. Phone, video or your kitchen table✓ Licensed in 31 states

Your rate

Tell Ron three things and he shops it for you

Your age, what you are trying to cover and your ZIP is enough to start. Ron is paid by the carrier, so the comparison costs you nothing and there is nothing to buy on the call.

✓ Free consultation, no obligation to buy
✓ Phone, video call or an in-home visit, your choice
✓ Licensed in 31 states, so out-of-state family is covered too

Any figure named on this site is a sample estimate for illustration only, not a quote or an offer of insurance. Ron prices your actual policy after a short conversation.

Why an independent agent

One agent, more than one company on the table.

Ron Kinnersley is not captive to a single carrier. As an independent agent he compares what is available to you across companies and brings back the offer that fits your age, health and budget, at no cost to you.

A captive agent has one shelf to sell from, so the answer to every question is the same product. An independent agent starts from your situation instead, which matters most when your health history rules some carriers out.

What Ron needs before he can price anything

Your age, because it drives the premium more than anything else
What you are actually protecting: a funeral, an income, a mortgage balance
Your ZIP code, which for health plans decides which plans exist at all

How Ron helps

Five places Ron can help

Each of these solves a different problem and gets bought for a different reason. Start with the one that matches where you are.

Small whole life

Final Expense Insurance

A small whole life policy that pays funeral and burial costs in cash to the person you name, with a premium that does not climb as you age.

✓ Simplified underwriting, usually no medical exam
✓ Benefit paid to your beneficiary, not the funeral home
✓ Premium generally level for the life of the policy

See final expense rates →

10, 20 or 30 years

Term Life Insurance

The most coverage per dollar for the years your family would feel a lost income hardest, at a premium locked for the whole term.

✓ Premium locked for the full length of the term
✓ Term matched to a payoff date or a child's age
✓ Many policies convert later without new underwriting

See term life rates →

Permanent coverage

Whole Life Insurance

Coverage that stays in force for the rest of your life while a portion of every premium builds cash value inside the policy.

✓ In force for life as long as premiums are paid
✓ Part of every payment builds cash value
✓ Premium generally fixed, so it does not climb with age

See whole life rates →

Sized to your loan

Mortgage Protection Insurance

A term policy sized to what you still owe on the house, paid to your family rather than to the lender so they can stay put.

✓ Benefit goes to your family, not to the bank
✓ Term set to your payoff date, not a round number
✓ Stacks on top of life insurance you already own

See mortgage protection rates →

Covered California

ACA Marketplace Health Plans

Individual and family plans through the exchange, compared on what you actually pay after the premium tax credit rather than before it.

✓ Bronze through Platinum compared on real out of pocket cost
✓ Premium tax credit checked before you enroll
✓ No added cost for using an agent

Compare ACA plans →

How it works

Three steps, one phone call

You will know where you stand by the end of the first conversation.

Tell Ron what you need covered

A few questions on the form above. No medical exam and no paperwork yet.

He compares what is available to you

Ron shops it and comes back with the options that actually fit your age and health.

You decide, or you do not

If nothing fits your budget he will say so. The consultation is free either way.

Questions

Questions Sacramento families ask

What areas does Ron Kinnersley serve?

Ron works with clients across Greater Sacramento by phone, video call and in-home visits, and is licensed to write policies in 31 states.

Does Ron Kinnersley charge for a consultation?

No. Every consultation is free, with no obligation to buy. Ron compares options and explains what fits your situation before you decide anything.

What is final expense insurance?

Final expense insurance is a small whole life policy, typically a few thousand to around forty thousand dollars, designed to cover funeral costs and end of life expenses so your family is not left paying out of pocket.

Does Ron have an office I can visit?

No. Ron runs no storefront office. Consultations across Greater Sacramento happen by phone, by video call, or at an in-home visit scheduled at a time that suits you.

What states is Ron Kinnersley licensed in?

Ron Kinnersley is a licensed independent insurance agent in 31 states, NPN 2561874. Call to confirm licensing in your specific state before you apply.

Find out what your coverage would cost

One call with a licensed independent agent, and a straight answer about whether it is worth it for you.