Disclosures

Last updated August 13, 2026

Who you are dealing with

Justin Flowers is a licensed life insurance agent. Justin Flowers Financial is an independent insurance sales operation. This website is a solicitation for insurance, and submitting the form means a licensed agent may contact you.

How I get paid

There is never a fee for a consultation or a quote. If you decide to take a policy, the insurance company pays me a commission. That is worth knowing up front, and it does not change the price you pay for the policy.

About the products

Final expense insurance is small-face-amount whole life insurance. Availability, rates, underwriting decisions and waiting periods vary by carrier, state, age, tobacco use and health history. Some applicants qualify for first-day full coverage; others are offered a graded or guaranteed-issue policy with a waiting period, typically two years, during which death by natural causes returns premiums plus interest rather than the full face amount. Any figures discussed on this site are illustrations, not offers of coverage.

No guarantee of coverage

Nothing here is a guarantee that you will be approved. Coverage takes effect only when a carrier issues a policy and it is delivered and paid for as required by that carrier. The policy itself governs in all cases.

Not a government program

Justin Flowers Financial is not affiliated with, endorsed by, or acting on behalf of any government agency, the Social Security Administration, Medicare, or any state program. No government benefit is being offered on this site.

Not advice

The content on this site is general education. It is not tax, legal, investment or financial advice. Talk to a qualified professional about your own situation.

Questions

Call or text (815) 342-6088, or email jflowers@olympusinsure.com.