About Author: Kim Wilhelm

Kim Wilhelm is the co-founder of Final Expense Direct, an insurance agency based in Houston, TX, dedicated to helping seniors cover all end-of-life expenses.

Licensed since 1996, Kim started his career as an agent, helping thousands of individuals to secure final expense life insurance.  

In 2007, he and his wife, Ellen Jo Wilhelm, founded Final Expense Direct and quickly grew it into one of the largest final expense agencies in the U.S.  

When he isn’t working, Kim enjoys reading, walking, golfing, and rooting for the Houston Astros.  He is married to his wife, Ellen Jo, and lives in Missouri City, TX, a nearby suburb of Houston.

It just ain't right!


I started Final Expense Insurance to help protect seniors from a lot of the shady characters in the final expense space. Some of these companies advertise low rates like $9.99 per month of final expense insurance so they can get seniors to call in, only to find out it’s for a measly $1,000 of coverage. It just ain’t right!

Professional Accolades

  • Licensed insurance agent since 1996
  • Has grown Final Expense Direct to over 50 employees
  • Led Final Expense Direct to Inc 5000 list in 2016, 2017, and 2018
  • 94% CEO approval on Glassdoor


Mr. Wilhelm is available for interviews in the areas of business growth & leadership and final expense life insurance.  Please contact us for more details.

benefits and drawbacks of cremation

The Benefits and Drawbacks of Cremation

What do you do when you’re faced with a tough decision? Many people like to make a list to see if the advantages outweigh the disadvantages. Planning your funeral isn’t the most glamorous subject. However, if you don’t plan ahead, your family could argue over what to do when you pass, creating unwanted conflict. Should

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Burial Vaults

Burial Vaults: Do You Need One?

A burial vault is a container, often made of concrete, that surrounds a coffin to help keep a grave from sinking. Most cemeteries have rules that require burial vaults for caskets, but federal law doesn’t require you to choose one. However, graveyard operators typically stress the importance of vaults to keep the ground level and

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Social Security and Funeral Planning

Does Social Security Pay Anything Towards Funeral Expenses?

If your loved one has recently passed away, you may be wondering about Social Security benefits for a funeral. In general, Social Security doesn’t pay for cremation or funeral services, but it depends on the situation. You may be able to get a one-time lump sum death benefit — which you can use to help

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Final Expense Insurance for Seniors

3 Reasons Why Final Expense Insurance Is Great for Seniors

Thinking about death can feel lonely, scary, and uncomfortable. But in reality, you’re not alone. Death is a part of life, and we should prepare ourselves for the inevitable. Families may buy life insurance to help them prepare and provide financial security if something unexpected were to happen. Traditional life insurance might be a better

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Age limit for purchasing final expense insurance

Is There an Age Limit for Buying Final Expense Insurance?

Final expense insurance, or burial insurance, is a type of whole life insurance. The death benefit gets paid to the primary beneficiary as soon as the claim gets approved. This beneficiary can then use the payout for medical bills, funeral expenses, and other measures when you pass away. As expected, final expense policies are well-liked

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Buying Final Expense Insurance

What to Do Before Buying Final Expense Insurance

When searching for a life insurance policy, it can be hard to know where to begin. There are many ways to compare policies and providers, which can make the process feel overwhelming. However, we can help guide you in your decision making. Final Expense Direct shares a few tips for how to compare providers before

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buying a life insurance policy can provide peace of mind

Buying Burial Insurance for Your Parents: What You Should Know

Written by Kim WilhelmCEO | Licensed Insurance AgentCEO | Licensed Agent Verified!  See guidelinesVerified!  See our editorial guidelines Last Updated 03 Dec 2022 From costly prescriptions to frequent hospital visits, the final years of someone’s life can be the most expensive. When a parent passes away, surviving loved ones may not have the funds needed to handle the end-of-life

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Here's our list of the top final expense insurance companies

Top 10 Final Expense Insurance Companies

Final expense insurance, also known as burial or funeral insurance, is a small whole life policy with affordable premiums. It’s meant to pay for your funeral and other burial costs. Final expense insurance doesn’t require a medical exam, and most health problems are accepted. Benefits normally range from $5,000 to $40,000 with most companies. So,

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