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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.

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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.
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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.
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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.
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Recent News & Updates

Standard vs. Hybrid Life Insurance: Which Is Better?

Posted: October 22, 2021

Standard life insurance has a single purpose – to provide death benefits to your beneficiaries. Hybrid life insurance combines long-term care insurance and life insurance in a single policy. If you become disabled and unable to live independently, it covers the costs of your care, at home or in a facility. It will not cover medical expenses, such as doctor visits, surgical procedures, or prescription...

Don’t Let These Common Myths Scare You Away from Life Insurance

Posted: October 7, 2021

Most people need life insurance. Not having it could be devastating to your family’s financial future in case the worst should happen. Life insurance is a complex, frequently misunderstood subject, surrounded by a multitude of myths. These myths can be dangerous if they scare you away from purchasing the life insurance coverage you need. Common Life Insurance Myths Debunked If You Are Young and Single,...

Nontraditional Life Insurance Plans You Should Know About

Posted: September 22, 2021

Traditional life insurance is low risk and offers guaranteed maturity returns to policyholders. Nontraditional life insurance combines investment and insurance in a single policy. These plans invest in the market and have the potential to earn higher returns because of their higher-risk nature. If you have not been able to obtain traditional life insurance, you should know about these nontraditional life insurance plans. Graded Life...

3 Types of Living Benefits for Life Insurance

Posted: September 7, 2021

Life insurance is mainly designed to pay out death benefits to beneficiaries. But some life insurance policies also provide living benefits for policyholders. The following are three types of life insurance living benefits. Accelerated Death Benefits Most life insurance policies contain a provision known as Accelerated Death Benefit (ADB). It allows the policyholder to receive a portion of the life insurance money while he or...