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Your Individual Marketing Organization Based in Big Stone Gap, Virginia

Agency Final Expense Solutions (AFES) specializes in Final Expense Insurance, Life Insurance, and Medicare.

The agency was created to help new agents, veteran agents and agencies get plugged into a system that works. We mainly offer final expense life insurance and mortgage protection.

We are unique in the fact that anyone can just plug into our system and get started making sales almost immediately. We provide training and one on one support.

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Final Expense Insurance

Final Expense Insurance

Final expense insurance helps families cope with the loss of a loved one by guaranteeing all funeral and burial expenses will be paid for.
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Life Insurance

Life Insurance

We offer a complete line of individual life insurance products that are crafted to meet you and your family's specific needs.
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Medicare

Medicare

In general, individuals are eligible if they (or their spouse) worked for at least 10 years in Medicare-covered employment and are at least 65 years old.
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Recent News & Updates

What Women Should Know About Life Insurance

Posted: March 22, 2025

According to a recent study, not only is there a gender wage gap, but also a gender gap in life insurance coverage. Significantly fewer women than men have life insurance policies. Life insurance is a critical tool for financial planning and protecting your loved ones. Women are a vital part of the economy and are crucial to their families’ economic security. Nevertheless, many women overlook...

The Newlyweds’ Guide to Life Insurance

Posted: March 7, 2025

Marriage is about building a life together. Life insurance is a safety net that helps protect what you are creating. Although it may not be the first thing on your mind after the honeymoon, creating a strong financial plan should be high on your to-do list. Your financial strategy should include planning for risk and buying life insurance.  Why Should Newlyweds Consider Life Insurance? After...

Should I Switch from Term to Whole Life Insurance?

Posted: February 22, 2025

Like most answers regarding insurance, the solid answer when deciding whether to switch between term and whole life insurance is, “It depends.” There are many reasons to switch from term to whole life insurance, but the decision must reflect your situation. To Build Savings for the Future Unlike a term life insurance policy, which offers no value after the specified period ends, a whole life...

Do I Have Enough Life Insurance? 6 Signs to Know if You’re Underinsured

Posted: February 7, 2025

If you are uncertain if you have enough life insurance, it is time to review your existing policy or, for some people, put a new policy in place. Life insurance is dynamic and needs to change with time. As you hit significant milestones, your insurance must match the changes. Here are some signs that you are underinsured.  You Never Calculated How Much You Need While...