Ghilino Insurance Agency
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Ghilino Insurance Agency
  • Home
  • Services
    • Life Insurance
    • Final Expense Insurance
    • Medicare
    • Fixed Annuities
  • Learn
  • Join Our Team
  • Schedule A Consultation

Protect Your Family from Final Expense Burdens

Everyone deserves the peace of mind that comes with final expense insurance. Losing a loved one is difficult. Our mission is to ensure that when you die, your final expenses won’t be a financial burden to your loved ones. 

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Why Final Expense Insurance Is Important

Losing a loved one is already difficult; the last thing your family needs is financial burden.

There are several key reasons to consider final expense insurance, also known as burial insurance or funeral insurance.


  • Covers Funeral and Burial Costs: Directly addresses the financial burden of final expenses, ensuring your family can focus on grieving rather than finances.


  • Simplified Approval Process: Easier to qualify for than traditional life insurance, making it accessible to more individuals.


  • Peace of Mind for Your Family: Knowing that final expenses are covered provides peace of mind for both you and your loved ones.


Our Guide to Final Expense Insurance can help explain key terms and answer questions you have about final expense insurance.






The average full-service funeral in New Jersey costs nearly $10,000. Don't leave that financial burden to your loved ones.






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The Right Final Expense Policy for You

Ghilino Insurance Agency helps people find a final expense policy that fits their needs and budget.


  • Wide Range of Coverage Options: We can find policies coverage a wide range of benefit amount.
  • Whole Final Expense Policies: Your policy will be in force for the rest of your life.
  • Level Premiums: As long as you continue to pay your premiums, rates will never increase.
  • No Medical Exams Needed: We can find policies that have no medical exam required. 


Don't leave your loved ones with the financial burden of funeral costs when you're gone.

We Help Your Family Avoid Financial Burden

We understand that thinking about funeral expenses is difficult. That's why our family-run agency treats you like one of our own making sure to understand your family's needs and goals. Our family is dedicated to helping residents of the Garden State get the insurance coverage that gives their family financial peace of mind during its most difficult time. 


We work with your to compare policies and find the best fit for your unique needs. Our goal is to provide unbiased recommendations that ensure your family is protected without unnecessary expenses.


  • Personalized consultations to understand your needs
  • Clear explanations of complex policy options
  • Simple application process for quick coverage 
  • We treat you like family, not a number
  • Ongoing support as needs change


Don't let this be you. Get Final Expense Insurance

We're Here to Help You

Navigating final expense insurance doesn’t have to be hard.

At Ghilino Insurance Agency, we are committed to providing our clients with the best final expense insurance to meet their needs. Our mission is to help you make sure your loved ones are not left with a financial burden when you die.

Over 40 Years Experience

Helping families find the right coverage since 1984

Nearly a Billion in Coverage Issued

We've secured the financial futures of thousands.

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Getting Started is Easy

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Apply & Have Peace of Mind

Review Your Options


Discuss goals and needs with a caring agent and get quoted.

Review Your Options

Apply & Have Peace of Mind

Review Your Options


Get clear explanations of terms and available policies.

Apply & Have Peace of Mind

Apply & Have Peace of Mind

Apply & Have Peace of Mind


We help with the application paperwork and follow-ups.

Ongoing Support

Apply & Have Peace of Mind

Apply & Have Peace of Mind


We will continue to support your insurance needs.

Frequently Asked Questions

Please reach out to us if you cannot find an answer to your question.

Final expense insurance typically has a simplified application process and is easier to qualify for compared to traditional life insurance policies. It is focused on covering immediate expenses rather than providing a larger death benefit.


The amount of coverage you need will depend on your specific final expenses, including funeral costs, medical bills, and other debts. Our agents can help you assess your needs during a consultation.


Don't Leave Behind a Financial Burden

Final expenses shouldn't burden your loved ones. We can help!

Losing a loved one is already an emotional challenge. Unplanned final expenses can add to the heartache. We provide straightforward final expense insurance to ease this burden. By working with us, you can secure a policy that covers these costs, allowing your family to focus on healing rather than worrying about expenses. Our expert guidance offers peace of mind knowing your family is protected after your passing.






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  • Life Insurance
  • Final Expense Insurance
  • Medicare
  • Fixed Annuities
  • Join Our Team
  • Schedule A Consultation

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