Blocker Insurance Agency — Protecting What Matters Most
Blocker Insurance Agency
Blocker Insurance Agency — Protecting Families Across 15 States. John C. Blocker Jr., Licensed Insurance Agent.
FINAL EXPENSE INSURANCE COMPANY · REPRESENTED BY JOHN C. BLOCKER JR.

Today's Decision is tomorrow's Peace of Mind.

John C. Blocker Jr. is a Life Insurance specialist on a mission to help families when they need it most. Licensed Life Insurance Agent — Agent ID#: 255893. Serving AK, CA, CO, DC, DE, MD, MN, NC, NJ, NM, OH, OR, SC, TX, VA.

Final Expense Plan features:

  • Plans available for ages 0–85
  • No medical exam required
  • Payment plans fit most budgets
  • Answers to health questions determine eligibility

Available life insurance coverage for persons with health conditions including, but not limited to, chronic illnesses, obesity, HIV/AIDS, and/or incarceration.

Call 240.896.1877Agents standing by 24/7
WHY FINAL EXPENSE INSURANCE

The simplest, fastest way to make sure your family isn't stuck with the bill.

Final Expense Insurance is a small whole life policy — typically up to $50,000 — designed to cover funeral, burial, and end-of-life costs. John C. Blocker Jr. shops top-rated carriers to find the right plan for your age, health, and budget, and locks in premiums for life.

No Medical Exam

Simplified issue plans require only a few health questions. Guaranteed issue plans require none — approval is guaranteed regardless of health history.

01

Premiums Locked For Life

Your monthly rate is fixed the day you sign. It will never increase — even as you age or your health changes.

02

24–72 Hour Payout

Once a claim is filed, your beneficiary receives a tax-free lump sum within 24 to 72 hours — in time to cover the funeral bill.

03

Coverage up to–$50K

Right-sized policies designed specifically to cover funeral, burial, cremation, medical bills, and small final debts.

04

Approval With Health Issues

Diabetes, heart disease, COPD, cancer history — you can still qualify. We shop dozens of carriers with different underwriting niches.

05

Built For Ages 0–85

Final Expense is designed for seniors. If you've been declined elsewhere or told you're too old for whole life, you likely qualify here.

06

Peace Of Mind For Your Family

No grieving spouse or child should have to pull $15,000 out of savings to bury you. Final Expense handles it, quietly and quickly.

07

Lock in your rate before your next birthday.

Final Expense premiums are based on your age and health today. Every year you wait, the price goes up. Get a free quote in under 10 minutes.

Blocker Insurance Agency — Life Insurance, Final Expense, Retirement Solutions. Protecting What Matters Most.
Our Promise

Protecting what matters most.

Three pillars, one mission — safeguarding your family's future through every stage of life.

  • Life Insurance

    Term & whole life plans

  • Final Expense

    Funeral & burial coverage

  • Retirement

    Annuities & income planning

Final Expense Plans

Three plan tiers. One will fit you.

Every senior is different — different age, different health, different budget. John C. Blocker Jr. shops Immediate Coverage, Modified, and Guaranteed Issue plans across top-rated carriers so you get the right coverage at the best rate you personally qualify for.

Immediate Coverage Final Expense

Best Rates

The most affordable Final Expense plan. Full death benefit is paid from day one — no waiting period. Available to applicants in reasonably good health who can answer a short set of medical questions.

Best for

  • Seniors ages 60–85 in reasonably good health
  • Anyone who wants the lowest possible premium
  • Applicants with no more than two MAJOR hospitalizations in the last 10 years

Key benefits

  • Full coverage from day one — No waiting period
  • Coverage up to $50,000
  • Premiums locked in for life
  • Tax-free benefit paid in 24–72 hours

Modified Final Expense

Health Issues OK

A great middle-tier plan for seniors with moderate health issues who can't qualify for Immediate coverage. Pays a return of premium plus 10% interest in years 1, and 2 then the full benefit after year 2 going forward.

Best for

  • Applicants with diabetes, COPD, or heart conditions
  • Recent (but not immediate) health events
  • Seniors declined for Immediate Coverage-benefit plans

Key benefits

  • No medical exam — health questions only
  • Pays a return of premium plus 10% interest in years 1, and 2 then the full benefit after year 2 going forward.
  • Premiums locked in for life
  • Cash value builds inside the policy
  • Accidental death benefit (Double Indemnity)

Guaranteed Issue Final Expense

Approval Guaranteed

Approval is 100% guaranteed with zero health questions and no medical exam — regardless of your health. Pays a return of premium plus 10% interest in years 1–3, then the full benefit after year 3 going forward.

Best for

  • Applicants declined elsewhere
  • Seniors with serious health conditions
  • Anyone who wants guaranteed acceptance

Key benefits

  • Guaranteed approval — no health questions
  • Return of premium + 10% interest in years 1–3
  • Full death benefit after year 3 going forward
  • Coverage up to $10,000
  • Accidental death benefit (Double Indemnity)

Free Policy Review

No Cost

Already have Final Expense or a small whole life policy? John will review it at no cost and let you know if there's a larger benefit, lower premium, or stronger contract available with another top-rated carrier.

Best for

  • Existing Final Expense policyholders
  • Policies purchased more than 5 years ago
  • Anyone unsure what their current policy covers

Key benefits

  • Side-by-side comparison across top carriers
  • Plain-English explanation of your coverage
  • No obligation to switch
  • Recommendations from a licensed agent

Term Life Insurance

Affordable Protection

Straightforward, low-cost life insurance that pays a large tax-free death benefit if you pass away during the term (typically 10, 20, or 30 years). Ideal for covering income replacement, mortgages, and years of raising children.

Best for

  • Young families needing income replacement
  • Homeowners covering a mortgage balance
  • Anyone wanting the most coverage for the lowest premium

Key benefits

  • Coverage from $50,000 up to several million
  • Fixed level premiums for the full term
  • Tax-free death benefit to your beneficiaries
  • Convertible to permanent coverage on many plans

Indexed Universal Life (IUL)

Cash Value Growth

Permanent life insurance with a cash value component tied to a market index (like the S&P 500). You get lifetime protection, tax-advantaged growth potential, and the ability to access cash value later for retirement, college, or emergencies.

Best for

  • Higher earners looking for tax-advantaged growth
  • Business owners and professionals planning retirement
  • Anyone wanting permanent coverage plus living benefits

Key benefits

  • Lifetime death benefit protection
  • Cash value grows tax-deferred with index-linked interest
  • 0% floor protects against market losses
  • Tax-free policy loans for retirement income

Fixed Indexed Annuity

Retirement Income

A retirement savings vehicle that protects your principal from market losses while offering growth tied to a market index. Converts your savings into guaranteed lifetime income you cannot outlive.

Best for

  • Pre-retirees and retirees rolling over a 401(k) or IRA
  • Anyone wanting principal protection with growth potential
  • People who want guaranteed income for life

Key benefits

  • 100% principal protection from market downturns
  • Tax-deferred growth linked to a market index
  • Guaranteed lifetime income options
  • Optional death benefit for your beneficiaries
Family-first planning

Real conversations. Real protection for your family.

John C. Blocker Jr. sits down with families across DC, Maryland, and Virginia to walk through life insurance options in plain English — no jargon, no pressure.

John Blocker meeting with a family at their dining table to review life insurance options
In-home consultation
Every family deserves a plan built around their life.
John Blocker explaining an insurance policy to a couple
Licensed & independent
Access to top-rated carriers, not one company's shelf.
Whole-family reviews
Coverage that fits kids, parents, and grandparents.
No-pressure guidance
Honest answers first. You decide when — and if — to move forward.
What It Covers

Everything your family shouldn't have to pay for.

Final Expense pays a tax-free lump sum directly to your beneficiary — they can use it for anything the funeral home, hospital, or estate needs. No red tape, no probate, no waiting weeks for a check.

John C. Blocker Jr. on the Baltimore waterfront
Licensed · Family-first

Local advocate. National carriers. One goal — protect your family.

  • Funeral & Burial Costs

  • Memorial & Service Fees

  • Small Final Debts

  • Outstanding Medical Bills

  • Travel For Out-Of-Town Family

  • A Small Legacy Gift

Free Guide

Final Expense Exposed — the senior's guide to choosing right.

Download our free guide and learn exactly how Final Expense Insurance works — what it costs at every age, which plan tier fits your health, and how to avoid the three most common mistakes seniors make when buying coverage.

  • Immediate Coverage vs. Modified vs. Guaranteed Issue — plain-English breakdown.
  • Real premium ranges by age (60, 65, 70, 75, 85).
  • How to qualify with diabetes, heart disease, or COPD.
  • How much coverage you actually need for a funeral today.
Get My Free Guide
Free Final Expense Insurance Buyer's Guide
Clients

Trusted by families & retirees across 15 states

“John set us up with a 20-year term policy that covers our mortgage and both kids through college — for less than my cell phone bill. Straightforward, no pressure, done in a week.”

Carlos Mendez
Carlos Mendez
Homeowner & Dad, 38
FAQ

Final Expense answers

Still have questions? Call John directly at 240.896.1877 or request a free quote — we'll walk you through the right Final Expense plan for your age, health, and budget.

John C. Blocker Jr., Licensed Life Insurance Agent

Talk to a real human

240.896.1877

Agents standing by 24/7

Free Quote

Protect your family & your future in one quick quote.

Answer a few quick questions and John C. Blocker Jr. will personally match you with the right solution — Term, Whole Life, IUL, Final Expense, or an Annuity — from top-rated carriers. No pressure. No obligation.

John C. Blocker Jr., Licensed Life Insurance Agent — Washington, DC

John C. Blocker Jr.

Licensed Agent · ID #255893

Personalized quote
~10 minutes
Zero obligation