2026 State Regulated Final Expense Benefits

Ease the burden on your family during difficult times with Final Expense Insurance, covering funeral and other end-of-life expenses. Plans can start around $45/mo. From $5,000 to $40,000 in coverage. I work directly with top life insurance carriers like Mutual of Omaha, Transamerica, Royal Neighbors, American Amicable, and more.

Prefer to Schedule a Call?Click here to find a time that works for you.

Michael Faugno is a Final Expense Specialist helping families secure the right coverage—without overpaying or getting sold the wrong plan.

With access to 26 top-rated carriers, I shop the market for you and tailor coverage to fit your exact needs, health, and budget.

Every day you wait, your options can shrink and your rates can increase.

Get it handled now—quick, simple, and done right the first time.

Michael Faugno - National Producer Number (NPN) #20461105

Testimonials

Michelle P

"I had been putting off getting life insurance because the process always seemed overwhelming and confusing. But working with Michael made everything simple and stress-free. He took the time to explain my options clearly, answered all my questions, and helped me find a policy that fits my family's needs and budget. Now, I feel so much better knowing that my loved ones are protected if anything ever happens to me."

Joey V

"Finding the right life insurance policy was something I kept avoiding, but Mike at Safe Harbor made it incredibly easy. He was professional, patient, and genuinely cared about finding the best plan for my situation. Within a few days, I was approved for a great policy that gives me peace of mind. I can’t thank him enough for guiding me through this — I feel like a huge weight has been lifted off my shoulders."

Frequently Asked Questions

Common Questions Answered for your convenience.

What types of life insurance do you specialize in? (CLICK HERE)

We offer a range of life insurance options to fit different needs, goals, and budgets. These include:

Indexed Universal Life Insurance (IUL) – Flexible permanent coverage with adjustable premiums and the potential to grow cash value.

Fixed Indexed Annuities – Earn market-linked growth with no risk of losing your principal, and generate lifetime income.

Term Life Insurance – Affordable coverage for a set period (10, 20, or 30 years). Great for covering things like a mortgage or income replacement.

Whole Life Insurance – Permanent coverage that builds cash value over time. A good choice if you want lifelong protection and a savings component.

Final Expense Insurance – A smaller, simplified policy designed to cover funeral costs and end-of-life expenses. Ideal for seniors or those looking for basic coverage.

Can I get life insurance if I have health issues?

Yes — in most cases, you can still get coverage even if you have existing health conditions. I work with a wide range of insurance carriers, many of which specialize in offering policies to people with medical histories like diabetes, high blood pressure, or past surgeries.

We’ll talk through your situation confidentially, and I’ll help you find the best policy available for your health profile. In some cases, guaranteed issue or simplified policies may be the right fit.

Is life insurance expensive?

Life insurance is often more affordable than people think, especially if you’re relatively young and healthy. Term life insurance, for example, can cost as little as a dollar a day for hundreds of thousands in coverage.

The key is finding the right type of policy for your needs and budget. I work with multiple top-rated carriers to shop the best rates for you — no pressure, no upselling. Whether you're looking for basic protection or a long-term investment option, I’ll help you get the most value for your money.

How does the process of getting life insurance work?

The process is simple and stress-free:

Quick Consultation – We’ll discuss your goals, health history, and budget to find the best policy options for you.

Get a Quote – I’ll shop from trusted carriers and present you with the most competitive rates and coverage.

Apply – You’ll complete a short application. Some policies require a medical exam, while others don’t.

Approval & Coverage – Once approved, your policy goes into effect and you’re officially covered.

I’ll guide you every step of the way and handle the paperwork so you don’t have to worry about anything.

Do I need a medical exam to get life insurance?

Not always. Many of the policies I offer do not require a medical exam, especially for healthy individuals or for certain coverage amounts. These are known as “no exam” or simplified issue policies, and they can often be approved in just a few days.

For larger coverage amounts or specific types of policies, a quick medical exam may be required — but I’ll let you know upfront what to expect and help you schedule it at a convenient time. Either way, I work to make the process as easy and fast as possible.