Insuring Your Future.
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“Success is nothing more than a few simple disciplines, practiced every day.”
– Jim Rohn Entrepreneur

Final Expense Life Insurance in Philadelphia

The Cardwell Group was established in 2009 by Nick Cardwell, a licensed insurance agent for over 15 years. After working for multiple life insurance companies over the years, Nick found the perfect company for him in Lincoln Heritage Life Insurance Company. Family means everything to Nick, and he found more than just another company in the Lincoln Community… he found a family. Through his hard work and dedication, Nick has made the Cardwell Group everything that it is today. Now, there is no stopping him. While he believes that growing as a group is crucial, he also believes that success begins with growing as an individual. To that end, Nick will assist agents with personal development, positive aspirations, confidence, and team camaraderie. Together, we can grow as people and build an amazing career or business with endless possibilities.

Affordable Life Insurance Plans in Philly & Throughout Pennsylvania

The Cardwell Group has 2 mission statements that set us apart from other agencies in Philadelphia and around the country: one for our clients, and one for our agents. Of course, in the end, they go hand in hand together. This is what makes the Cardwell Life Group different from any other company in the Philly, PA area or anywhere else. Our goal is to provide our customers with insurance services and a valuable and affordable Final Expense Life Insurance plan that will not only pay a cash benefit to families quickly, but also provide support to their loved ones. We also promise to provide an opportunity to whomever is seeking a rewarding career and lifestyle by partnering with like-minded individuals who embrace and carry out our first mission. If you’re an agent, you need a life insurance plan, or you need related services, the Cardwell Group can provide affordable plans and the support you need to be successful. Other agencies in the Philly area can’t match our dedication.


Nick Cardwell

Founder and CEO

Life Insurance is something people don’t want to discuss but it’s an extremely valuable product that protects your family. I have been selling insurance for many years and find comfort in helping others. Lincoln Heritage has changed my life and in so many ways.

Contact Nick at


If you’re between the ages of 40 and 85, fill-out the following form to get a FREE final expense insurance quote from the Funeral Advantage program.

Like everything today, funeral costs are rising. It’s not uncommon for funeral costs to run tens of thousands of dollars, potentially leaving loved ones with a big financial burden.

Best Final Expense Insurance Agency in Philadelphia

In Philadelphia, PA, the average funeral can cost somewhere between $7,000 and $12,000. Depending where you live, those costs can be even higher. Luckily there is a way for individuals to ensure their families won’t have to bear those costs alone. It’s called final expense life insurance and it can provide anywhere from a few thousand to 50,000 dollars families can use to cover funeral costs and other expenses after you pass.

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What is final expense insurance? It is a life insurance policy designed to provide a death benefit that can be used to cover funeral expenses or any other expense. While the death benefit amounts from final expense policies are typically smaller than those offered by other whole life insurance policies, it does have some other advantages that make it appealing to people from all walks of life. The benefits of final expense life insurance when compared to your average whole life insurance policy include:


  • A final expense life insurance policy is more affordable than a traditional whole life insurance
  • Unlike many other life insurance policy products, this type of life insurance plan does not require a medical exam.
  • You can be approved for a final expense plan regardless of your health.


For Philadelphia, PA area residents whose whole life insurance doesn’t provide an adequate death benefit, or those who don’t have a life insurance plan, this type of coverage can be the best way to ensure funeral expenses will be covered. Of course, just like any other life insurance plan, this death benefit can be used for anything the beneficiary wishes, including housing expenses, medical expenses, or anything else that might come up.


Those are just a few of the benefits of a final expense life insurance policy, so if you would like to find out more about insurance plans that are affordable and can be granted to anyone, call the Cardwell Group today.


Places You Can Find Life Insurance:


We’re also always looking for the best agents in the country who have a passion for helping everyday people find insurance solutions that work for them. If you’re looking for life insurance jobs in Philadelphia or life insurance jobs in Delaware, get in touch with us right away. We stand out above other agencies thanks to our dedication to providing insurance services to clients in Philadelphia, PA, and locations around the country. We would love to have you as part of our team in the Philadelphia, PA area or in other areas!


life insurance pennsylvaniaBy taking the time to understand your personal aspirations, healthcare considerations, and long-term financial needs, our life insurance company can connect you with the best plans, and better premiums, and ensure that the appropriate financial safeguards are in place for any end-of-life situation. Finding the right life insurance plan can be a daunting process, but with our agencies’ dedicated guidance, you’ll have better access to affordable life insurance in Allentown, PA, transparent explanations of all final expense life insurance benefits, and ultimately, gain the knowledge required to make a confident and informed final expense insurance decision. 


Other companies simply introduce you to the best life insurance in Pittsburgh; we openly walk our clients through the step-by-step comparisons and offer a depth of insight into the pros and cons of each plan option. Protecting you and your loved ones with final expense coverage can be a wise financial decision, and depending on your current retirement savings or the level of insurance you have in place, the right life insurance in Lancaster, PA, can make the difference between peace of mind or uncertainty for the future. 


With exceptional whole life insurance in Lansdale, PA, benefits like easier application processes, affordable monthly premiums, and freedom to spend insurance proceeds for any expenses, a final expense policy can be a valuable addition in many situations. If you would like to find out if final expense coverage is right for you, our helpful advice and resources are completely free.


Fast Claim Services and Processing.

Liberal Underwriting.

Home Office Support with 24 hour Underwriting.

Same Day Advances on most policies.

Proven In-House Lead System – NO COLD CALLING.

Hands on Training and Simplified Applications.

Travel Incentives for contest winners – Europe, South America and more.

Health and dental benefits for you and your family based on production.

Not Licensed?  You can obtain a Life License in 2 weeks or less.

And so much more!


Are you ready to make a change? We are currently seeking individuals looking to expand and grow with our team. If you are interested please provide us with the following information and someone will contact you shortly to schedule an interview.

What People Are Saying

Discover Peace of Mind with Affordable Life Insurance in PA

Prepare for the future with a wise investment in final expense life insurance. As a family-first life insurance company in Philadelphia, PA, Cardwell Life was established out of compassion for aging adults in need of a reliable policy to protect their loved ones. We care about our customers and prioritize accurate and honest communication when educating clients on the best available options. We clearly explain coverage limitations, provide professional guidance, and will help you find a policy that makes the most sense for your budget and family’s future.

When you work with our experienced life insurance agents in PA, you’ll experience personal support and other benefits, such as: 


  • Affordable & Honest Pricing
  • Helpful Explanations & Professional Guidance
  • Flexible Policies Adapt to Your Situation
  • Ongoing & Caring Customer Support
  • A Commitment to Your Future Financial Needs
  • & More…

With funeral and other related costs ranging into the thousands, an affordable whole life insurance policy fills the gap that other providers miss. Whether you have a lapse in coverage following retirement, no longer want to continue with a pricey plan, or simply want to provide support for your family in the future, final expense life insurance is an affordable and realistic strategy to protect your family with a guaranteed payment as long as premiums are maintained. 

life insurance philadelphia

Final expense life insurance is easier to apply for, involves straightforward policy details, and premiums never rise following policy acceptance. If your health issues, age, or other financial considerations have limited your ability to acquire adequate coverage, our Philly team will work with you to find a whole life insurance plan that supports your needs. Since heirs can use final expense benefits for any financial needs, whole life insurance provides an additional layer of financial reassurance beyond simply covering funeral expenses.

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Why Get A Final Expense Life Insurance Policy?

There are many advantages to finding a life insurance policy in PA, that adapts to your lifestyle considerations. Unlike other policies that often require long wait times, complicated health requirements, or confusing policy terms, the life insurance plans at Carwell Life are simplified and clearly outlined for confidence in our agencies’ services. After getting started with an affordable whole life insurance plan at Cardwell Life, you’ll find:

  • Premiums Remain Level
  • You Can Make Monthly or Yearly Payments
  • The Death Benefit is Guaranteed As Long As Premiums Are Paid
  • Tax-Free Death Benefits
  • & More

Our Experienced Philadelphia Team is Here to Help

Affordable Life Insurance

We’re passionate about the financial reassurance our final expense coverage provides. We have the first-hand experience with the relief, family support, and financial benefits that final expense coverage provides. Our detail-oriented company will provide you with all of the information you need, openly help you weigh the pros and cons, and help you decide which plan is best for your situation. 


Since final expense insurance is primarily designed to cover major expenses following passing, rates are generally much lower than term-life or maximum benefit plans. Even if you already have funeral expenses paid in advance, our final expense insurance will provide financial relief to heirs following your passing. With flexible final expense plans in Philly ranging from $2,000 to $50,000 depending on your needs, we’ll help you find a plan that accommodates your budget, goals, and family needs.

If you or a loved one could benefit from our honest life insurance coverage in Philadelphia, PA, or are looking for the right life insurance in Newtown, PA, don’t hesitate to give our experts at Cardwell Life a call. We’re committed to trustworthy guidance in Philadelphia and hope to become a welcomed source of reassurance after we clearly outline all that our agencies’ life insurance plans can do to help.