Colton Kelly
Owner & Senior Underwriter
- NPN
- 22188562
- LIC
- FL · KS · MI · MN · TX · OH · VA · WV · LA · SC
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Coverage for veterans & their families
Coverage built for veterans and their families.
Answer a few questions. A licensed advocate reviews your options with you and recommends only what fits. No call center, no pressure.
- Day-one coverage available on qualifying plans — no waiting period
- Living benefits you can access while living for qualifying illnesses
- No-medical-exam options for many veterans and their families
Independent insurance brokerage. Not affiliated with or endorsed by the VA, DoD, or any government agency.
Final expense
Cover funeral and burial costs so your family does not inherit the bill.
Mortgage protection
Keep your family in the home if something happens to you.
One-on-one review
A licensed advocate walks through your VA benefits and shows you where a policy fills the gap.
Free consultation
See what you qualify for
Takes about a minute. No cost, no obligation.
Ask about day-one coverage & living benefits
Independent insurance brokerage. Not affiliated with or endorsed by the VA, DoD, or any government agency.
Know the difference
Two honest paths to coverage
Which policy fits depends on your health — not your budget. Here is how the two main types actually differ, stated plainly and without fine print.
Fully underwritten / simplified issue
Graded-benefit guaranteed issue
Pays the full death benefit from day one
Fully underwritten / simplified issueYes
Graded-benefit guaranteed issueNo
If death occurs in year one, the family receives
Fully underwritten / simplified issueFull benefit
Graded-benefit guaranteed issuePremiums paid plus interest
Rate locked for the life of the policy
Fully underwritten / simplified issueYes
Graded-benefit guaranteed issueVaries by policy
An underwriter reviewed the application
Fully underwritten / simplified issueYes
Graded-benefit guaranteed issueNo
Who it fits
Fully underwritten / simplified issueAnyone who can qualify
Graded-benefit guaranteed issueSomeone who can't qualify elsewhere
Both are real, valuable policies. Your advocate helps you find the one you qualify for.
Built by people who served
American Family Protection works with veterans and their families. Licensed advocates review your options with you and recommend only what fits. You are never passed to a call center.
Proof
What people are saying
They walked my mother through final expense coverage without a single high-pressure moment.
“They walked my mother through final expense coverage without a single high-pressure moment. Straight answers, like they said.”
Colton — They took the time to understand my situation and never once made me feel rushed.
“Colton — They took the time to understand my situation and never once made me feel rushed. Every question got a straight answer.”
I had been turned down before.
“I had been turned down before. My advocate found a policy I qualified for and explained exactly how it worked.”
They walked my mother through final expense coverage without a single high-pressure moment.
“They walked my mother through final expense coverage without a single high-pressure moment. Straight answers, like they said.”
Colton — They took the time to understand my situation and never once made me feel rushed.
“Colton — They took the time to understand my situation and never once made me feel rushed. Every question got a straight answer.”
I had been turned down before.
“I had been turned down before. My advocate found a policy I qualified for and explained exactly how it worked.”
Kris — After I got turned away elsewhere, they treated my service with respect and walked me through my options patiently.
“Kris — After I got turned away elsewhere, they treated my service with respect and walked me through my options patiently.”
No jargon, no runaround.
“No jargon, no runaround. He reviewed my VA options and showed me where a small policy filled the gap for my family.”
Colton — He was a straight shooter and got me exactly what I needed.
“Colton — He was a straight shooter and got me exactly what I needed. Didn't try to sell me any BS, just what fit the needs of me and my family.”
Kris — I appreciated that they explained everything in plain English and followed up exactly when they said they would.
“Kris — I appreciated that they explained everything in plain English and followed up exactly when they said they would.”
Colton — They were patient with my questions and made a process I was dreading feel simple and respectful.
“Colton — They were patient with my questions and made a process I was dreading feel simple and respectful.”
Kris — Felt like talking to someone who actually understood military life.
“Kris — Felt like talking to someone who actually understood military life. Honest, professional, and easy to reach.”
Common Questions
Straight Answers
Honest answers, no fine print.
- What is final expense insurance?
- Final expense (also called burial insurance) is a smaller whole life policy designed to cover funeral costs, medical bills, and other end-of-life expenses so your family isn't left with the bill. Benefits are typically paid quickly and can be used for anything.
- Do I need a medical exam to qualify?
- Usually not. Many veterans qualify for simplified or guaranteed acceptance coverage with no medical exam — just a few health questions, and sometimes none at all. Pre-existing conditions often won't disqualify you.
- How does final expense work alongside my VA benefits?
- The VA offers limited burial allowances that rarely cover today's full funeral costs. A final expense policy fills that gap. We give honest, transparent guidance on how they work together so there are no surprises for your family.
- How much does coverage cost?
- Final expense premiums are built with fixed incomes in mind. Your rate depends on your age, health, and the coverage amount you choose — and once a policy is approved, that rate is locked in for life. We'll walk you through real numbers for your situation, and your quote is always free.
- Is there any obligation when I request a quote?
- None at all. Requesting a quote is completely free and there is never any pressure to buy. We're here to help you make the right decision for your family.
The bench
Your licensed advocates
Every advocate is licensed and works with you directly.