Mortgage Protection, Term, and Final Expense Insurance

Protection you need. A Company you can trust.

We are one of the most reliable companies in the insurance market working with ONLY A-Rated carriers to ensure dependable, affordable coverage for you and your loved ones when you need it.


  • Policies typically mailed within one business day
  • Easy underwriting with Instant decision eApplication
  • Cash Back Option and Living Benefits available

We will save you time & money!


Mortgage protection insurance (MPI) is a type of life insurance designed to pay off your mortgage if you were to pass away — and some policies also cover mortgage payments if you become disabled.

As long as you have a home with a mortgage on it, then it’s typically guaranteed that your application for mortgage protection insurance will be accepted. This type of coverage can be valuable for people with long-term health issues, or people who work high-risk jobs. Conditions that can raise the cost of life insurance or disability insurance – or even get you turned away from having them – don’t have as much bearing on mortgage protection insurance.



Term insurance is a type of life insurance policy that provides coverage for a certain period of time or a specified "term" of years. If the insured dies during the time period specified in the policy and the policy is active, or in force, a death benefit will be paid.

Term insurance is initially much less expensive when compared to whole life insurance. Unlike most types of whole life insurance, term insurance has no cash value. In other words, the only value is the guaranteed death benefit from the policy.



Final Expense insurance can help prepare your family financially for your loss, while building cash value you can use during your lifetime.

Final expense insurance is a life insurance policy that has a lower death benefit, usually intended to cover final expenses and burial costs. Also known as burial insurance or funeral insurance, it's designed for older adults who are ready to make end-of-life plans, typically age 50 and older..

Why Choose Beneficial Consultant Services?

We treat our clients like family by searching for the best affordable policy to save them money, while still providing the coverage they need to protect them and their families.

Free insurance consulting before your contract signature

Insurance services of any goal and case for every person

We provide our beloved clients the excellent service and advice they deserve

Best Support

We are available Mon-Fri 8 a.m.-4 p.m. cst. You can email, or make a phone call to discuss your issue.

Professional Agents

Our staff are combined experts in all classes of insurance you can afford today.

The Best in North America

According to the professional analytic center, we utilize some of Top-rated Insurance Carriers in the Business.










How It Works?

Get acquainted with the process of insurance. It takes just a few simple steps.

Choose Your Insurance

The first step is decide which coverage type you need. (Term, Whole Life, or Mortgage Protection)

Request a Quote

Answer a few quick questions, and we will search for the best quotes from our numerous carriers based on you age and health.

Free Consultation with licensed Agent

Your agent will contact you shortly to review the best quotes from our carriers that meet your needs, and will discuss optional riders available and policy details. Feel free to contact us if you need speak with an agent sooner than your consultation.

Last step: The e-Application is submitted/processed and underwriting will let you know if you are approved in just a matter of minutes.

What people say about Term and Whole Life Insurance.

"Life insurance is not sexy. It’s not fun to talk about and it’s definitely not a process anyone enjoys. However, much like death and taxes, buying life insurance is an essential part of life and a crucial element of sound financial planning."

Kristin O'Keeffe Merrick


Reaching out to a life insurance agent can be intimidating. There are a wide selection of policy options available, and choosing the right one is a serious decision to make for you and your family.

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Beneficial Consultant Services

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