No. Kleos is not an insurance carrier and we don’t underwrite or issue policies. Instead, we work as your independent concierge:

• We connect you with a licensed final-expense advisor who’s authorized in your state.

• Your advisor shops a network of A-rated insurers and compares plans side-by-side to find the best fit for your budget, health profile, and coverage goals.

• You stay in control. All policy decisions, underwriting, and claims are handled by the insurer you select; Kleos simply makes the process faster, clearer, and stress-free at no extra cost to you.

Our help is 100% FREE for you. If you purchase a policy, the insurance company you choose pays us a commission never added to your premium so you pay nothing extra and are under no obligation to buy.

Yes. All Kleos representatives are licensed insurance agents in every state we serve, ready to guide you through the application and secure the right final expense coverage.

Yes. Your premium is level for life, so it never increases as you age or if your health changes.

This predictable, fixed cost lets you budget with confidence, knowing the amount you pay each month will stay the same for the entire policy term. That stability keeps your coverage affordable and ensures your loved ones receive the full benefit without surprise expenses.

No. Your policy is active as soon as you’re approved and make your first payment, giving your loved ones the full benefit from day one with no delays.

No. Kleos is a private company, not tied to any government agency.

We’re fully licensed under state insurance rules and follow strict ethical standards. Our role is to connect you with licensed final expense experts who compare plans from top-rated insurers, so you get the right coverage with no extra cost.

Begin with a free quote, answer a few quick questions, and a licensed advisor will gently guide you through your options with no pressure and no obligation.

Kleos recommended final expense plans offer coverage up to $100,000 (with lower amounts available if you need less). A licensed advisor will help you choose the benefit that fits your budget and needs.

Yes. Many final expense insurers offer simplified-issue and guaranteed-issue policies that accept a wide range of health conditions.

Often with no medical exam required. A Kleos licensed advisor will match you with the carrier and plan that best fit your situation, so you can secure coverage quickly and affordably.

Premiums are set by the insurance carriers, so the price is the same no matter where you purchase. Kleos adds value by having licensed advisors compare multiple final expense plans to find you the most cost-effective coverage, all at zero cost to you.