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Find Final Expense Insurance Agents Near You in Modesto, CA

Browse final expense insurance agents serving Modesto, California. Updated 2026-07-14.

The top-rated final expense insurance agent in Modesto, California is Cost-U-Less Insurance, rated 4.9 stars across 816 reviews. Other highly rated options include SaveDirect Insurance Agency, LLC, Farmers Insurance - Maria (Candy) Melara, Acceptance Insurance. This directory lists 30 final expense insurance agents serving Modesto.

Showing 30 final expense insurance agents in Modesto, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Cost-U-Less Insurance123 Burney St(209) 560-6118
2SaveDirect Insurance Agency, LLC1800 Tully Rd G(209) 857-5877
3Farmers Insurance - Maria (Candy) Melara2507 E Hatch Rd Ste B(209) 556-9946
4Acceptance Insurance2045 W Briggsmore Ave Ste A-6(209) 375-7112
5The Source Auto Insurance Agency LLC822 9th St #1(209) 661-7171
6Freeway Insurance1801 H St Ste A1(209) 585-3788
7TopFlight Insurance Services901 N Carpenter Rd #37(209) 622-4622
8Fiesta Auto Insurance & Tax Service1460 Mitchell Rd Suite B(209) 272-1430
9TSM Insurance Services1317 Oakdale Rd #910(209) 524-6366
10Pam Shelton-Allen - State Farm Insurance Agent3516 Oakdale Rd ste a(209) 551-0221
CU
123 Burney St
Cost-U-Less Insurance
Final Expense Insurance Agent · Modesto, CA

As Modesto families plan ahead for unexpected costs, a final expense policy can relieve common end-of-life financial worries. Cost-U-Less Insurance helps local residents evaluate coverage that might pay for funeral services and existing debts. Their agents discuss payment structures and typical funeral expenses during an initial meeting. This straightforward conversation allows clients to determine whether a policy fits their budget and important family obligations. The process typically involves a brief in-person inspection to verify personal documents and confirm beneficiary choices.

SI
1800 Tully Rd G
SaveDirect Insurance Agency, LLC
Final Expense Insurance Agent · Modesto, CA

SaveDirect Insurance Agency, LLC in Modesto, CA offers final expense insurance services designed to help families cover end-of-life costs. The agency works with clients to secure policies that manage funeral expenses, outstanding debts, and other final financial obligations. Its service plans include policy overviews, beneficiary updates, and claims assistance to ensure families receive benefits promptly. SaveDirect Insurance Agency, LLC services clients with final expense coverage needs, including single-family homes, apartments, retail, and restaurants.

FI
2507 E Hatch Rd Ste B
Farmers Insurance - Maria (Candy) Melara
Final Expense Insurance Agent · Modesto, CA

Farmers Insurance - Maria (Candy) Melara serves Modesto and the surrounding communities of Stanislaus County. This agency handles final expense insurance, which helps cover funeral costs and related end-of-life expenses for local families. It guides clients through selecting a suitable policy for burial arrangements. The agency typically manages each case by meeting directly with individuals to review coverage options tailored to personal financial situations.

AI
2045 W Briggsmore Ave Ste A-6
Acceptance Insurance
Final Expense Insurance Agent · Modesto, CA

Acceptance Insurance serves residents of Modesto seeking final expense coverage, helping families plan for the costs of memorial services and outstanding end-of-life bills. The agency guides individuals through the process of selecting a burial insurance policy that suits their specific needs and budget. It focuses on providing straightforward information to seniors who wish to lessen the financial burden on loved ones. Along with serving Modesto, Acceptance Insurance also covers clients in the nearby community of Turlock.

SA
822 9th St #1
The Source Auto Insurance Agency LLC
Final Expense Insurance Agent · Modesto, CA

The Source Auto Insurance Agency LLC in Modesto, CA distinguishes between one-time final expense policies and recurring coverage options for preplanning needs. This approach helps local families address burial or funeral costs with a straightforward benefit amount paid upon passing. Final expense insurance here typically covers end-of-life expenses like caskets, services, and outstanding medical bills. Servicing is available on an as-needed basis, allowing clients to open or adjust policies only when specific planning or protection is requested.

FI
1801 H St Ste A1
Freeway Insurance
Final Expense Insurance Agent · Modesto, CA

Freeway Insurance offers specialized final expense insurance services in Modesto, California, assisting clients with pre-planning their end-of-life funeral and burial costs. It also provides general insurance guidance to local families seeking affordable coverage for their individual needs. The agency works with area policyholders to secure fixed, whole life policies that do not expire. For many residents, this service becomes particularly valuable when health changes arise later in life and standard term policies are no longer an option.

TI
901 N Carpenter Rd #37
TopFlight Insurance Services
Final Expense Insurance Agent · Modesto, CA

TopFlight Insurance Services provides life insurance coverage tailored for clients seeking final expense planning. Located in Modesto, California, the agency focuses on helping individuals ensure their funeral and burial costs are addressed without burdening loved ones. It offers specialized policies that simplify the process for seniors and families. The company's counselors guide customers through straightforward policy options for these needs. TopFlight Insurance Services serves commercial sectors including offices, warehouses, and food service establishments.

FA
1460 Mitchell Rd Suite B
Fiesta Auto Insurance & Tax Service
Final Expense Insurance Agent · Modesto, CA

Serving families in their Modesto homes, this final expense insurance agency helps clients arrange end-of-life coverage to manage burial and related costs. They also provide business insurance for commercial clients seeking financial protection. Their service area includes Modesto and the surrounding Central Valley communities. Advisors guide individuals through plan options during personal consultations. The company contacts policyholders before scheduled visits occur, ensuring families can review coverage details and adjust policies as needed between their regular check-ins.

TI
1317 Oakdale Rd #910
TSM Insurance Services
Final Expense Insurance Agent · Modesto, CA

TSM Insurance Services provides final expense insurance to residents of Modesto, California, helping families cover end-of-life costs. The agency also serves the broader local area in Stanislaus County with related coverage needs. Every policy consultation explains burial and funeral expense protection in clear terms. Clients receive straightforward guidance during the enrollment process and can request adjustments to their plan after the initial purchase. The office encourages follow-up contact between regular visits to review any changes in a client’s circumstances or coverage requirements.

PS
3516 Oakdale Rd ste a
Pam Shelton-Allen - State Farm Insurance Agent
Final Expense Insurance Agent · Modesto, CA

Pam Shelton-Allen - State Farm Insurance Agent in Modesto, CA, is known for providing final expense insurance policies that help cover end-of-life costs for families. The agency serves clients seeking straightforward burial and funeral coverage plans. It assists local residents in selecting a policy that fits their budget and needs. A specialty service the agent can add on is assisting with policy reviews to ensure coverage amounts remain appropriate over time.

CU
2900 Standiford Ave #25
Cost-U-Less Insurance
Final Expense Insurance Agent · Modesto, CA
(209) 542-9734
locations.costulessdirect.com/modesto-95350
II
316 Needham St
Insureone Insurance Solutions
Final Expense Insurance Agent · Modesto, CA
(209) 779-0700
insuremeins.com
II
3508 Dale Rd
insureCAL Insurance Agency
Final Expense Insurance Agent · Modesto, CA
(209) 250-0269
turlockinsurance.com
FI
1236 Floyd Ave Ste B
Farmers Insurance - Timothy McCain
Final Expense Insurance Agent · Modesto, CA
(209) 527-8800
agents.farmers.com/ca/modesto/timothy-mccain
TC
400 12th St #26
Teresa Clutter Insurance Services LLC
Final Expense Insurance Agent · Modesto, CA
(209) 836-0719
clutterinsurance.com
GI
118 McHenry Ave
Gladiator Insurance
Final Expense Insurance Agent · Modesto, CA
(209) 567-1111
SS
2307 Oakdale Rd Ste. 400
Skeet's Insurance Service, Inc.
Final Expense Insurance Agent · Modesto, CA
(209) 526-1578
skeetsins.com
OP
1016 12th St Ste. A
Omega Pacific Insurance Solutions
Final Expense Insurance Agent · Modesto, CA
(209) 338-5500
trustomega.com
PC
4120 Dale Rd J3
Pacific Creek Insurance Services
Final Expense Insurance Agent · Modesto, CA
(209) 618-4355
pcins.org
WI
2200 McHenry Ave Ste A
Wright Insurance Agency - J. David Wright, Jr Insurance
Final Expense Insurance Agent · Modesto, CA
(209) 526-2005
wrightinsuranceagency-jdavidwrightjrinsurance.com
TI
3501 Coffee Rd #1a
Toste Insurance Services INC
Final Expense Insurance Agent · Modesto, CA
(209) 338-3585
tosteins.com
MS
515 13th St Suite 204
Maseman SR22 Insurance California
Final Expense Insurance Agent · Modesto, CA
(209) 300-0214
GO
3540 Oakdale Rd A-1
Golden Oak Insurance Services (Insurance Broker)
Final Expense Insurance Agent · Modesto, CA
(209) 222-6200
goldenoakinsurance.com
BL
3600 Sisk Rd #5b
Bankers Life
Final Expense Insurance Agent · Modesto, CA
(209) 521-9825
branches.bankerslife.com/ca/modesto/3600-sisk-rd
PI
1031 McHenry Ave Suite 9
Pauls Insurance Agency
Final Expense Insurance Agent · Modesto, CA
(209) 534-4455
medicare209.com
RL
142 N 9th St #8
Royal Lion Insurance Agency
Final Expense Insurance Agent · Modesto, CA
(209) 846-9349
royallioninsurance.com
MV
1231 8th St #100
Mc Vey Insurance
Final Expense Insurance Agent · Modesto, CA
(209) 577-0177
CI
937 Coffee Rd Suite 700
Capetillo Insurance Solutions
Final Expense Insurance Agent · Modesto, CA
(209) 442-4300
capetillois.com
DD
1560 Cummins Dr A
DiBuduo & DeFendis Insurance Brokers LLC
Final Expense Insurance Agent · Modesto, CA
(209) 578-0183
dibu.com
HC
3600 Sisk Rd #5b
Hector Cortes, Bankers Life Agent
Final Expense Insurance Agent · Modesto, CA
(209) 521-9825
agents.bankerslife.com/ca/modesto/3600-sisk-rd/hector-cortes

What Does a a Final Expense Insurance Agent in Modesto Cost?

Typical final expense insurance costs in California range from 30 to 100 dollars per month for a 5000 to 25000 dollar policy. Premiums are based on age health and coverage amount. Rates are guaranteed not to increase as long as you pay premiums on time. This is general information and not insurance advice.

About final expense insurance agents in Modesto

Final expense insurance agents in Modesto California help residents secure coverage for funeral costs and medical bills. California law requires agents to be licensed by the California Department of Insurance. Many Modesto families use these policies to avoid burdening loved ones with end of life expenses.

Frequently Asked Questions

What does a final expense insurance agent in Modesto do?

A final expense insurance agent helps you choose a small whole life policy to cover funeral costs and outstanding debts. In California agents must follow strict disclosure rules about policy terms and premiums. They compare plans from multiple carriers to find coverage that fits your budget.

Do I need a license to sell final expense insurance in California?

Yes all agents must hold a valid California insurance license. The California Department of Insurance requires agents to pass a background check and complete continuing education. You can verify an agents license on the CDI website before working with them.

How long does it take to get a final expense policy in Modesto?

Most policies are issued within 2 to 4 weeks after application. California law gives you a 30 day free look period to cancel for a full refund. Some carriers offer simplified issue policies with no medical exam for faster approval.

Final Expense Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each final expense insurance agent's credentials and current standing with your state Department of Insurance.