Great Western Insurance Company’s (GWIC®) Final Expense insurance is a dual product that offers first-day coverage to those who can answer “No” to four health questions. If they answer “Yes” to any of the questions, they can be offered a two-year, graded, guaranteed issue product. Here’s why GWIC’s Final Expense insurance fits with your portfolio:
  • Everyone who applies is guaranteed issued
  • Liberal underwriting on applications for first-day coverage includes:
    • No height and weight requirements
    • Multiple high blood pressure medications
    • Up to three oral medications for diabetes
  • Clients who can answer “No” to all the questions receive additional benefits:
    • 125% bonus of the face amount; $10,000 becomes $12,500
    • Accelerated death benefit with up to 90% of the face amount
  • Issue age ranges from 50 to 80 for both options
  • 100% paperless with digital and telephonic signatures
  • $10,000 to $40,000 face amounts for guaranteed issue
  • Six months advanced on first-day coverage and guaranteed issue, with a cap of $500 per policy, subject to approval


If you have questions, please contact agent care by calling 866-252-5594, option 2, by emailing or by submitting the form below.


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GWIC training videos

GWIC wants to be your partner in success today, tomorrow, and in the future. That’s why we created new training videos to help you accomplish your sales goals with our one-of-a-kind Final Expense insurance product.

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Agent Field Manual

The Agent Field Manual guides you through the agent appointment and set-up process and gives you the information you need to provide excellent customer service.

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Sales tools

Agent portal

Access commission reports, order supplies, and more on GWIC's agent portal.

Free marketing materials

To help you be successful, GWIC offers free marketing materials to share with clients.

Quote Tool

Provide quotes quickly to clients out in the field with GWIC's Quote Tool.

MyEnroller e-application program

GWIC's MyEnrollerSM electronic application tool allows you to take apps in the field with or without an internet connection.

Rated A (Excellent) by AM Best

In March 2021, AM Best upgraded the Financial Strength Rating to A (Excellent) from A- (Excellent) of American Enterprise Group's six insurance company subsidiaries. These subsidiaries operate under the brands of American Republic®, Medico®, and Great Western Insurance Company (GWIC®). With the upgrade, the outlook of these Credit Ratings has been revised to stable from positive. As an independent, non-government company, AM Best does not recommend products or services but does provide independent opinions of a company’s overall financial strength. For the latest ratings, access