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Three generations of a family together
MSW Insurance GroupMSWINSURANCE GROUPSARASOTA · FLORIDA

Life  ·  Final Expense  ·  Health  ·  Annuities

Your family should grieve.
Not open a bill.

Fifteen years in financial services. Twelve carriers, twenty-one states, and one licensed agent who answers his own telephone.

516 834 3790Call or text Michael directly Request a consultation

What we help families with

Most people come to us for one thing, and we do that one thing very well.

Final expense coverage

A whole life policy built to cover funeral costs, burial or cremation, unpaid medical bills, and small debts you'd rather not leave behind. Benefit amounts usually run between $5,000 and $25,000.

Once it's in place, the price never goes up and the coverage never expires as long as premiums are paid.

  • No medical exam on most plans
  • Health conditions are usually still workable
  • Your rate is locked for life
  • Your family decides how the money is used

Everything else we handle

Final expense is what we do most. It is rarely the only thing a family needs, and we are licensed for all of it.

Life insurance Term, whole life, indexed universal life, final expense, mortgage protection and accidental death. See all life options Health & supplemental Major medical, dental, vision, hospital indemnity, critical illness, accident, disability and long-term care. See all health options Annuities Fixed, multi-year guaranteed, indexed, immediate and deferred income. Retirement income you can't outlive. See all annuity options

Whatever you can comfortably afford

Good protection is not out of reach.

We start with what fits your budget, not what fits ours. Tell us the number you can pay every month without thinking about it, and we build the strongest plan that fits inside it.

Every budget gets a plan.Every budget gets a plan.A modest planA mid-range planA larger plan

We ask your budget first

Before anything else. There is no point designing a plan you'll cancel in four months — a lapsed policy protects nobody.

Small plans are still real plans

A modest policy that stays in force beats a large one that doesn't. Every amount we place is money your family receives when they need it.

You can grow it later

Start where you can. As things change, we add coverage or place a second policy. Nothing here is a one-time decision.

If the honest answer is that the numbers don't work right now, we'll tell you that too — and tell you what to do instead.

Three steps, one phone call

Nothing to print, nothing to mail, and nobody coming to your door.

  1. You call us

    Tell us your age, your state, and roughly what you want covered. Ten minutes is usually plenty.

  2. We shop it for you

    We're independent, so we compare what several carriers will offer someone with your health history and bring you the best one.

  3. You're covered

    We complete the application with you on the phone. Many carriers approve the same day, and your policy arrives shortly after.

Grandparents and grandchildren looking through a photo album together

Why families work with us

We don't work for one company

We're an independent agency, so we can place you with whichever carrier actually wants your health history — instead of squeezing you into the only product we're allowed to sell.

You talk to a person

No chatbot, no call center queue. The same licensed agent who writes your policy is the one who picks up when you call back years later.

No pressure, no home visit

Everything happens over the phone, on your schedule. If the numbers don't work for your budget, we'll tell you that instead of selling you something you'll cancel in four months.

Carriers we place business with

We're appointed with 12 carriers. If one won't take your health history, another usually will — that's the whole reason to go through an independent agent.

Carrier availability varies by state and by product, and not every carrier is offered for every type of coverage. Ask us which carriers we can offer where you live.

Why twelve carriers matters more than one good one

Every carrier keeps its own underwriting rules. The same person, with the same medications, on the same day, gets different answers from different companies — sometimes a full-benefit policy from one and a flat decline from another. There is no single best carrier. There is only the best carrier for you.

These are the situations where having a dozen options changes the outcome rather than just the price:

  • You use tobacco. Some carriers price cigars, pipes and chewing tobacco the same as cigarettes. Others don't. On a $15,000 policy that difference is real money every month, for the rest of your life.
  • You take insulin. Several carriers treat insulin use as an automatic graded benefit. Several others look at when you were diagnosed and how well it is controlled, and will still write full coverage.
  • You use oxygen, or have COPD. This closes doors at a lot of companies. Not all of them, and not always for the same reasons.
  • You've had cancer. How long you've been clear matters enormously, and every carrier draws that line in a different place. Two years out can be a decline at one company and a level-benefit approval at another.
  • You take a blood thinner. Common, often unremarkable, and still enough to trigger different offers depending on why you're taking it.
  • Height and weight. Every carrier publishes a build chart. They are not the same chart.
  • You've been declined before. A decline from one carrier tells us almost nothing about the other eleven. People assume it's over. It usually isn't.

On a first call we go through your medications and your history, then tell you which carriers will take you and what each one will actually pay. If the honest answer is that only a graded policy is available, we'll say so rather than let you find out in year two.

Licensing

Agency

Licensed entity
MSW Insurance Group, Inc.
Florida agency license
L137897

Producer

Licensed agent
Michael Wittenberg
Florida license
G311909
National Producer Number
17234990
Lines of authority
2-15 — Life, Health and Variable Annuity
Variable products require separate securities registration and are not offered.

States where Michael is licensed

21states licensed
and growing

If you don't see your state, call us anyway — we add states regularly.

States where MSW Insurance Group is licensedAK — Not yet licensedAKME — Not yet licensedMEVT — Not yet licensedVTNH — Not yet licensedNHWashington — LicensedWAID — Not yet licensedIDMT — Not yet licensedMTND — Not yet licensedNDMinnesota — LicensedMNIL — Not yet licensedILWI — Not yet licensedWIMichigan — LicensedMINY — Not yet licensedNYRI — Not yet licensedRIMA — Not yet licensedMAOregon — LicensedORNV — Not yet licensedNVWY — Not yet licensedWYSD — Not yet licensedSDIA — Not yet licensedIAIndiana — LicensedINOhio — LicensedOHPennsylvania — LicensedPANJ — Not yet licensedNJCT — Not yet licensedCTCalifornia — LicensedCAUT — Not yet licensedUTCO — Not yet licensedCONE — Not yet licensedNEMO — Not yet licensedMOKY — Not yet licensedKYWest Virginia — LicensedWVVirginia — LicensedVAMaryland — LicensedMDDE — Not yet licensedDEArizona — LicensedAZNew Mexico — LicensedNMKansas — LicensedKSArkansas — LicensedARTennessee — LicensedTNNC — Not yet licensedNCSouth Carolina — LicensedSCDC — Not yet licensedDCOK — Not yet licensedOKLouisiana — LicensedLAMS — Not yet licensedMSAlabama — LicensedALGA — Not yet licensedGAHI — Not yet licensedHITexas — LicensedTXFlorida — Licensed — resident stateFL
Florida — resident stateLicensedNot yet licensed

Worth reading before you decide

Two things we wish every family knew before the first phone call.

What a funeral actually costs

The national medians, the cemetery charges those figures leave out, and why a $9,995 price list can settle above $13,000.

Read this

How final expense actually works

Level, graded and modified benefit explained, why your prescriptions matter more than your diagnosis, and the six questions to ask any agent.

Read this

Questions families ask

Am I too old to get covered?

Probably not. Most final expense carriers write coverage up to age 85, and some go higher. Your age affects the price, not whether you can get it.

I have health problems. Can I still qualify?

Usually yes. Carriers differ a lot in what they'll accept — a condition that gets you declined at one company may be fine at another. That's the main reason to go through an independent agent instead of applying directly.

Do I have to take a medical exam?

Not for most final expense plans. You answer health questions over the phone and the carrier checks your prescription history. No blood work, no nurse visit.

How much does it cost?

It depends on your age, your state, your health, and how much coverage you want. We'll quote you real numbers on the call — not a range designed just to get you on the phone.

How does my family actually get the money?

Your beneficiary files a claim with the carrier and provides a death certificate. Payment is typically made within days to a few weeks, directly to them. It does not go through probate, and they can use it for the funeral or anything else.

What happens if I miss a payment?

Policies include a grace period, usually 30 days. If it lapses, call us — reinstatement is often possible. Don't just let it go quietly.

The person you'll be talking to

I'm a family man myself. Three kids and a wife. The last thing I'd want is for the most important people in my life to worry about financial responsibilities once I pass.

Michael Wittenberg — 25 years in business, 15 in financial services

Read more about Michael

Prefer to do it yourself

Would rather not talk to anyone?

You can apply online through Ethos in about ten minutes. No medical exam, a few health questions, and a decision in minutes. It is a real policy from a real carrier and we are credited as your agent, so you still have someone to call afterwards.

The honest trade-off: that is one carrier instead of twelve. If you take any regular medication, have been declined before, or have a health history worth discussing, a ten-minute phone call will usually find you better coverage for the same money — sometimes considerably better. But if you would rather handle it yourself, this works.

Apply online through Ethos Or call 516-834-3790 first

Applications submitted through this link are underwritten and issued by Ethos. MSW Insurance Group is the agent of record.

Let's find out what it would cost you.

Call and we'll give you real numbers in about ten minutes. If it's not a fit, we'll say so.

516-834-3790 Call or text Michael directly

Call or text Michael directly on 516-834-3790, or email mswinsurance1@gmail.com.

Or have us call you

Leave your number and a licensed agent will reach out.

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