You reach out
You call a number or submit a request on this site and provide some basic information about what you are looking for. This is not an insurance application and does not determine approval.
seniorsunionus.com
Final expense and Medicare, matched to a licensed partner.
Seniors Union US is an advertising company and insurance matching service. Based on the information you provide, we route your call or request to one of the third-party licensed insurance agents and agencies we work with, and we are paid for that referral. We are not an insurance company or agency, and we do not sell insurance. You pay nothing to use this site.
We are an advertising company
We are not an insurer, agency, or government agency. We do not sell, issue, or administer any policy or plan.
We are paid by our partners
We receive compensation when readers are connected with insurance agencies, licensed agents, or marketing partners.
Nothing here is a quote or approval
Eligibility, pricing, and plan terms are decided only by a carrier or licensed agent — never by this website.
How we work
How the matching service works, and how we are paid.
We match and route
Based on the information you provide, we route your call or request to one of the third-party licensed insurance agents and agencies we work with. We are an advertising company paid for that referral — never by you.
A licensed partner takes over
Any discussion of eligibility, pricing, enrollment, or applications happens directly with a licensed agent or carrier. Seniors Union US is not an insurer or agency and takes no part in that transaction.
Final expense
Final expense life insurance, in plain language.
What it generally is
Final expense is typically a small whole life policy intended to help cover costs a family faces after a death — funeral or cremation services, burial, remaining bills, and travel. Benefit amounts are usually modest compared with traditional life insurance.
What tends to affect cost
Age, state, tobacco use, health history, the benefit amount requested, the type of underwriting, and each carrier's own rules can all affect the premium a person is offered. Two people the same age are often quoted very different amounts.
Waiting periods and exclusions
Some policies pay the full benefit from day one; others use a graded or modified benefit with a waiting period, often two years, during which only premiums plus interest may be returned. This is one of the most important things to ask about.
Questions worth asking
Is there a waiting period? What exclusions apply? Can the premium increase? What happens if a payment is missed? Who is the carrier and how are they rated? Who is named as beneficiary, and how would they file a claim?
Medicare
How Medicare is generally organized.
The parts
Part A generally covers inpatient hospital care and Part B covers outpatient and physician services; together these are often called Original Medicare. Part C (Medicare Advantage) is offered by private companies approved by Medicare. Part D covers prescription drugs.
Enrollment timing
Most people have an Initial Enrollment Period around their 65th birthday, and there are annual and special enrollment periods afterward. Missing a window can affect coverage and, in some cases, create a late enrollment penalty.
Where costs come from
Premiums, deductibles, copayments, coinsurance, drug formularies, and provider networks all differ from plan to plan and change from year to year. Benefits and availability vary by county.
Where we fit in
We are not a government program and are not affiliated with or endorsed by Medicare or any government agency. If you would like to talk through options, we can route your call or request to one of the third-party licensed insurance partners we work with. Plan availability, eligibility, and pricing vary by state and carrier.
About us
Straight answers about this website
Is Seniors Union US an insurance company or a government agency?
No. Seniors Union US is a website owned and operated by Adcentral, LLC, a privately held advertising company that operates as an insurance matching service. We are not an insurer, not an insurance agency, not a licensed entity, not a Medicare plan, and we do not employ insurance agents. We are not connected with or endorsed by the U.S. government, the Centers for Medicare & Medicaid Services, the Social Security Administration, or any federal or state agency. Despite the word "Union" in our name, we are not a labor union, membership organization, or advocacy group, and we do not offer member benefits.
How does Seniors Union US make money?
Through advertising and referrals. We may be paid by insurance agencies, licensed agents, lead purchasers, advertising and affiliate networks, and marketing partners when readers click a link, submit information, or call a number on this site and are routed to a partner. That compensation may affect which partners, offers, and contact options we show, and in what order. It does not come out of your pocket and does not change the premium or plan cost you would be offered.
Do you show every plan or carrier available to me?
No. We are an insurance matching service, not an agency, and we do not offer or represent every plan or carrier available in your area. Nothing on this site is a complete market comparison. We route your call or request to one of the third-party licensed insurance partners we work with, and coverage decisions rest solely with the carrier.
Can this website tell me what I qualify for?
No. Eligibility, rates, benefits, and plan terms can only be determined by a carrier or licensed agent based on a completed application and the rules that apply to you. Nothing on this website is an offer of coverage, a quote, or a guarantee of approval.
What happens if I submit my information or call a number here?
Your information may be shared with one or more insurance agencies, licensed agents, or marketing partners, and you may be contacted by phone, text, or email about coverage options — including by automated technology where you have consented to it. Consent is never a condition of purchase, calls may be recorded, and you can ask to be placed on a do-not-call list at any time. See our Privacy Policy.
Is this financial, legal, or medical advice?
No. Everything here is general information for a broad audience, not advice about your situation. Please talk with a licensed agent, and where appropriate a qualified financial, legal, tax, or medical professional, before making a decision.
Questions about this website?
We are happy to hear from readers about our content, our advertising relationships, or a privacy request.