Skip to the content

Your Individual Marketing Organization Based in Big Stone Gap, Virginia

Agency Final Expense Solutions (AFES) specializes in Final Expense Insurance, Life Insurance, and Medicare.

The agency was created to help new agents, veteran agents and agencies get plugged into a system that works. We mainly offer final expense life insurance and mortgage protection.

We are unique in the fact that anyone can just plug into our system and get started making sales almost immediately. We provide training and one on one support.

Find Out How Much You Can Save Today

  • This field is for validation purposes and should be left unchanged.

Final Expense Insurance

Final Expense Insurance

Final expense insurance helps families cope with the loss of a loved one by guaranteeing all funeral and burial expenses will be paid for.
Get Coverage
Life Insurance

Life Insurance

We offer a complete line of individual life insurance products that are crafted to meet you and your family's specific needs.
Get Coverage
Medicare

Medicare

In general, individuals are eligible if they (or their spouse) worked for at least 10 years in Medicare-covered employment and are at least 65 years old.
Get Coverage

Recent News & Updates

Adjusting Life Insurance Coverage After a Pay Raise

Posted: November 7, 2025

A salary increase can be a cause for celebration. It reflects your hard work and dedication and provides new financial opportunities. It also changes your overall financial picture, making this a good time to review your life insurance coverage. Lifestyle, responsibilities, and long-term goals can change as your income grows. Reviewing your policy after a pay raise can help protect your loved ones. How a...

What to Expect in a Life Insurance Medical Exam

Posted: October 22, 2025

When you apply for life insurance, you will likely be asked to take a medical exam. The insurer will use the results of this routine checkup to help determine whether to sell you a policy and what your premium will be. Here, we explain what to expect and how to prepare for the exam. Why Do Life Insurance Companies Require Medical Exams?  Essentially, a life...

Beyond the Pink Ribbon: How Life Insurance Supports Your Family Through Health Challenges

Posted: October 7, 2025

October is National Breast Cancer Awareness Month. While the pink ribbon is a reminder of the importance of early detection and treatment, it also highlights how sudden health changes can affect every aspect of family members’ lives. Most people think of life insurance as a safety net in the event of death. While this protection is vital, in reality, it can play a much larger...

Life Insurance’s Role: Adapting Your Coverage to Big Changes 

Posted: September 22, 2025

As life changes, so do your financial needs, and life insurance should match your current situation. While many people buy a policy and forget about it, your coverage should evolve with each major life event. From tying the knot to expanding your family or launching a business, staying protected means regularly reviewing your policy and making adjustments if needed. Why Getting Married or Having Kids...