Veteran-Owned · Licensed Independent Insurance Agent · 16 States · NPN 16025160 (407) 800-1380 · guy@gjretirementsolutions.com
Veteran-Owned · No Medical Exam Needed

Final Expense Insurance So Your Family Never Gets the Funeral Bill

Final expense insurance is a small whole life policy, usually $5,000 to $25,000, that pays funeral and burial costs directly to the person you name. Most plans need no medical exam, your rate never rises, and the coverage never expires as long as premiums are paid. Guy Jean is a U.S. Navy veteran and an independent agent, so he shops the whole market and tells you which policy actually fits.

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  • Veteran owned
  • Ages 45 to 85
  • Rate never rises
Sample monthly rate A-rated carriers
$41/mo
Coverage amount$10,000
Age band55, non-tobacco
UnderwritingNo medical exam

Sample rate shown for illustration only. Your actual premium depends on age, coverage amount, health and the carrier that approves you. Rates are quoted by licensed carriers, not by this website.

Licensed in 16 states
Guy Jean in U.S. Navy dress uniform
2013

Why Guy Jean Does This Work

In 2013, Guy Jean's mother was diagnosed with stage-4 cancer. She had no life insurance. Guy watched his family scramble to cover costs no one had planned for, on top of everything else they were already carrying.

"That experience is the reason I do this work. Nobody should have to face a crisis and a financial one at the same time."

Guy became licensed so no family he works with has to face that same gap. He built GJ Retirement Solutions on the same discipline he learned serving in the U.S. Navy: show up, do the work honestly, and protect the people who are counting on you.

U.S. Navy Veteran NPN 16025160 Licensed in 16 States
16 States Licensed
45-85 Final Expense Ages
No Medical Exam
$0 Cost to Compare
Final Expense

What Final Expense Insurance Actually Pays For

A funeral with a viewing and burial ran a median of $8,300 in 2023, and cremation with a viewing ran $6,280, according to the National Funeral Directors Association. Most families absorb that out of savings or a fundraiser. A final expense policy handles it with a check.

Funeral and Burial

Casket, plot, headstone, service and transport. The benefit is paid to the person you name, not to the funeral home, so your family decides how it gets spent.

Bills That Outlive You

Hospital balances, hospice copays, credit card debt, probate and attorney fees. These arrive weeks after the service, long after the sympathy cards stop.

Whatever Is Left Over

Money not spent on the funeral stays with your family. Many households use the remainder to carry a surviving spouse through the first few months.

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Beyond Final Expense

Where Families Go After the Funeral Bill Is Handled

Every plan Guy Jean builds comes back to three things: protecting the people you love, giving you the freedom to retire on your terms, and growing what you've worked for.

Legacy

Protect the people who depend on you. Life insurance and estate planning that make sure your family is never left exposed.

Freedom

Retire on your terms. Annuities and Medicare guidance built around the retirement income you actually need.

Growth

Grow savings without risking the principal. Indexed and whole life strategies build cash value with a floor at zero, so a down market does not undo the gains.

How We Help

Six Places Guy Can Help, Compared Across Carriers

Life Insurance

Term, whole life, indexed universal life and final expense coverage, compared across carriers so you pay for exactly the protection you need.

Explore Life Insurance →

Annuities

Turn savings into guaranteed retirement income you can't outlive, with fixed and indexed annuity options that protect your principal.

Explore Annuities →

Medicare

Medicare Advantage and Medicare Supplement plans explained in plain English, matched to your doctors and your budget.

Explore Medicare →

Mortgage Protection

Coverage that pays off your mortgage balance if something happens to you, so your family keeps the home.

Explore Mortgage Protection →

Long-Term Care & Disability

Protect your income and your savings from the cost of a disability or an extended long-term care need.

Explore LTC & Disability →

Estate Planning

Coordinate life insurance, beneficiaries and legacy planning so what you've built passes on the way you intend.

Explore Estate Planning →
Guy Jean reviewing coverage options at a table with a retired couple
GJ Retirement Solutions: we protect what you've built. Legacy, freedom, growth. Our Commitment

Same Age, Same Budget, Different Policy

"Our greatest satisfaction is to serve you and your family to the best of our abilities by exploring all possible options from our trusted partner carriers."

Your health history, who you are naming as beneficiary, and what you can carry every month all move the answer. Guy prices it around those three, then puts the real numbers in front of you before you decide anything.

Veteran-Owned Independent Agent No Cost to Compare
Who He Places Business With

Independent, So You See the Whole Market

Guy Jean isn't captive to one company. He compares real offers across these carriers to find the coverage that fits.

American National Foresters Financial Transamerica National Life Group F&G Annuities & Life North American, a Sammons Financial Company Americo Mutual of Omaha
Client Stories

What Clients Say About Working With Guy

★★★★★

"Having Guy as a mentor changed my life for the better. I really appreciate everything he does. The time he sacrificed away from his business to watch over me and make sure I stayed on track! The encouraging words he continually utters keep me motivated and focused! Guy, you are the best and I'm so glad you're a part of my life!!"

Alexis Jennings
★★★★★

"Guy served my family with no hidden agenda. His dedicated attention to helping my mother qualify for Medicaid speaks volumes about his professionalism and kind heart. Without a doubt, I would recommend him to any of my friends."

Marc Borgelin
★★★★★

"Like many others, I always thought before that I didn't need life insurance. In fact, I hated life insurance agents until I met him. Guy was very patient teaching me the importance of having a product that I don't need to die to benefit from in the event of a stroke or heart attack. And if I die, my family wouldn't have to go crazy. I was dazzled!"

Carlos Varelas
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Common Questions

Frequently Asked Questions

What states is Guy Jean licensed to sell insurance in?

Guy Jean is a licensed independent insurance agent in 16 states: Alabama, Arizona, California, Connecticut, Florida, Georgia, Indiana, Massachusetts, Maryland, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Texas and Virginia (NPN 16025160).

Does GJ Retirement Solutions charge for a consultation?

No. Every consultation with Guy Jean is free, with no obligation to buy. He compares options from multiple carriers 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 $5,000 to $40,000, designed to cover funeral costs and end-of-life expenses so your family isn't left paying out of pocket.

What is the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage bundles your hospital, medical and often drug coverage into one plan with a network, usually at a lower monthly cost. Medicare Supplement pairs with Original Medicare and covers more of your out-of-pocket costs with fewer network restrictions, usually for a higher premium.

Do I still need life insurance if I have coverage through my employer?

Employer group life insurance usually ends the day you leave that job and is often capped at one or two times your salary. Most families carry a personal policy alongside it so coverage isn't tied to employment.

How does an annuity work?

An annuity is a contract with an insurance carrier where you deposit a lump sum or series of payments in exchange for guaranteed income later, often for the rest of your life. Fixed and fixed indexed annuities protect your principal while still allowing for growth.

Find Out What $10,000 of Coverage Costs You

Give Guy your age and your ZIP and he comes back with real premiums from the carriers that will actually write you. He is paid by the carrier, so the comparison costs you nothing.

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