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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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Recent News & Updates

Planning Ahead: The Role of Life Insurance in Estate Planning

Although many people view life insurance primarily as a way to replace income for dependents, it can also play a major role in estate planning. Strategic use of life insurance policies can provide lasting financial security, reduce estate taxes, and facilitate wealth transfer with minimal tax burdens. Protecting Your Loved Ones The death benefit from a life insurance policy can provide financial protection for your...

How Life Insurance Policy Payouts Work

Life insurance is a critical safety net for your loved ones, designed to provide financial support should you suddenly pass away. But how do life insurance payouts work? Understanding the process can help you feel confident that your family is protected. What Is a Life Insurance Payout? A life insurance payout, often called a death benefit, is the money paid to your beneficiaries when you...

What Happens If You Outlive Your Term Life Insurance Policy?

Term life insurance provides coverage for a specific period, typically 10, 20, or 30 years, ensuring financial support for your loved ones should you suddenly pass away or become incapacitated. But what if you outlive your term policy? Understanding your options can help you plan for the future and ensure continued financial security for your loved ones. What is Term Life Insurance? Term life insurance...

Risk Factors That Impact Life Insurance Premiums

When you purchase life insurance, you agree to pay monthly premiums and hope the death benefit is enough to protect your family should something unexpected happen. If you have ever felt that your premium is higher than expected, you are not alone. Understanding the factors that determine how much you will pay each month. Insurance companies use the following risk factors to calculate your premiums: ...