Final expense insurance companies provide a valuable service for seniors who want to protect their loved ones from the burden of having to pay for things like a funeral, burial, or cremation services.

For those looking for final expense insurance in Colorado and elsewhere, Shell Mutual Insurance compares quotes and coverages from the most respected and reliable firms in the business.

These are the top final expense insurance companies that provide the highest-quality coverage for the lowest monthly premiums.

Mutual of Omaha

Mutual of Omaha began as Mutual Benefit Health & Accident Association back in 1909, when it was incorporated with the Nebraska Insurance Department.

What was a small organization offering health and accident insurance would blossom into a nationwide provider of multiple types of insurance, including final expense and Whole Life insurance. Today, Mutual of Omaha is a Fortune 500 company with financial strength and resources that rival that of even the biggest and most successful firms in existence.

Why Mutual of Omaha?

Mutual of Omaha boasts a very well-defined and exhaustive Code of Ethics, something that we took into account before we decided to approve them as an affiliate of Shell Mutual Insurance. What’s more, this is one of the older and more established insurance providers, giving them a kind of permanence and reliability that’s hard to find elsewhere.


Aetna is one of those insurance companies that literally does it all—healthcare insurance, disability insurance, and even behavioral health and pharmaceutical drug insurance coverage. So, it’s no surprise that they also offer top-of-the-line final expense insurance.

Aetna manages one of the largest networks of healthcare professionals in the world (22.1 million and counting). The Aenta name is derived from Mount Aetna, an active volcano in Europe.

Why Aetna?

final expense insurance companiesLike Mutual of Omaha, Aetna has been around for a long time. The original Aetna Fire Insurance Company was established in 1819, and it would grow to become one of the most trusted insurance companies in the world. In 2017, Aetna was acquired by CVS Health, which now manages the company from their Woonsocket, Rhode Island headquarters.

Seniors looking for final expense insurance like Aetna because it’s a company they know. Also, Aetna offers many coverage options that simply aren’t available through smaller providers.

Oxford Life Insurance Company

For annuities, life insurance, and medicare supplement insurance plans, America looks to Oxford Life Insurance Company. According to their website, Oxford Life Insurance Company prides themselves on their commitment to stability, growth, and outstanding customer service.

Oxford Life Insurance Company is one of the few insurance providers that have earned an ‘A’ rating (excellent) in financial strength from A.M. Best. This is an indication that this insurance provider will be here for the long haul.

Why Oxford Life Insurance Company?

We like Oxford Life Insurance Company because of the competitive monthly premiums they assign to their final expense insurance coverage products. It’s not uncommon for seniors to pay as little as $20-$30 per month for full-featured final expense insurance coverage that gives them peace of mind.

Another great feature of this insurance provider is their willingness to insure virtually anyone, regardless of their age, health situation, or gap since prior coverage.


If you’ve ever seen the San Francisco skyline, you’ve probably seen the iconic Transamerica building, a huge, pyramid-shaped obelisk that denotes strength and permanence. This national insurance provider is proud of their 100+ years of being in business, and their track record speaks for itself.

Transamerica stands apart from the rest for more than a few reasons. One reason is their dedication to educating their customers through final expense insurance coloradothe operation of the Transamerica Center for Retirement Studies and the Aegon Center for Longevity and Retirement.

Why Transamerica?

Few insurance companies are as focused on improving the overall quality of life of their insured clients as much as Transamerica is. At Shell Mutual Insurance, we see this as valuable in its own rite, and we’re proud to consider Transamerica as one of our premier final expense insurance providers.

Shell Mutual Insurance Simply Gives You More

…more options. More convenience. More answers.

We know that final expense insurance can get confusing pretty quickly, which is why we’re ready to answer all of your questions on the phone, via email, or even in-person.

If you’re interested in learning more about the final expense insurance coverage that best suits you, contact us today. Within just a few short hours, we can get you the policy you need with a monthly premium you can afford. We look forward to working with you!