Final expense only

Find the next FEX quote path.

Check every illness together. Get a product and quote class, a live decision path or a clear availability limit.

Quote guidance from loaded carrier rules. Final approval comes from the carrier application, medication checks and state requirements.

Client details

Age last birthday

State

Height

Weight (lb)

Desired coverage & paymentHow much coverage does the client want?

Death benefit in whole dollars.

Desired monthly payment (optional)

Client budget. Confirm the actual premium in the carrier quoter.

Tobacco / nicotine class

Has the client used tobacco or nicotine in the past 12 months?

YesNo

Include vaping and nicotine products. Follow the carrier’s application definitions.

Direct Express client

When checked, show quote options only for products with verified Direct Express acceptance.

Invicto agent reminder: Always ask whether the client has a checking account. Use it for premium payments when available and authorized by the client. Direct Express commissions are paid in small monthly amounts, with no upfront advance.

Client health

Check every condition and major flag that applies. Review both groups; unchecked items are treated as not reported.

Conditions

Major health flags

No listed conditions or major health flags

Use only when no items above apply. This option never clears a reported condition.

Entries stay in this tab. No client name needed.

Results first

Your FEX options appear here.

Enter client details, desired coverage, tobacco and health details, then select “Show plans to quote.”

FEX guides & reference notes

Sources checked October 24, 2026. Source dates and any verification gaps are listed below.