Martin Eichhorn & Associates Insurance Services LLC
Protecting families. Creating opportunities. Educating communities. With over 16 years of experience in the final expense insurance industry, we are dedicated to bringing financial dignity and peace of mind to families across America — while building meaningful careers for the next generation of insurance professionals.
Martin Eichhorn & Associates Insurance Services LLC is far more than a traditional insurance agency. We are a multi-state insurance distribution, training, and leadership organization built on three interconnected pillars that serve both the families we protect and the professionals we develop. Our organization operates in close partnership with Golden Memorial, Lincoln Heritage Life Insurance Company (LHLIC), and the Funeral Consumer Guardian Society (FCGS) — three of the most respected names in the final expense insurance space.
Led by Martin R. Eichhorn, a Regional Manager with more than 16 years of dedicated experience, the organization has grown into a trusted name for seniors, families, and insurance professionals alike. Our vertically integrated model means that every aspect of our operation — from client protection to agent training to licensing education — is aligned under one coherent vision: to serve with integrity, compassion, and professionalism.
Insurance Protection
Affordable final expense life insurance for seniors and families, distributed through our trusted carrier partnerships.
Agent Development
Structured recruitment, mentorship, and career advancement programs for new and experienced insurance professionals.
Licensing Education
Pre-licensing courses and exam preparation through Chicago Life Training Center for aspiring Illinois producers.
Insurance Protection for Families
The Funeral Advantage® Program
At the heart of everything we do is a simple, powerful promise: no family should face the financial devastation of unexpected funeral and end-of-life expenses. Through our partnership with Lincoln Heritage Life Insurance Company — one of the most financially stable and experienced carriers in the final expense market — we distribute the nationally recognized Funeral Advantage® Program, purpose-built to give seniors between the ages of 50 and 85 the protection they deserve.
Our whole life policies are designed with simplicity and accessibility in mind. Simplified underwriting means faster approvals, even for individuals with health challenges. Fixed premiums ensure your rate never increases, and your coverage never decreases. Policies build real cash value over time, creating lasting financial security for your loved ones.
Whole Life Coverage
Specifically designed to cover funeral, burial, cremation, and related end-of-life expenses with permanent, guaranteed protection.
Simplified Underwriting
No medical exam required. Fast approvals make it easy for seniors to secure coverage quickly and without stress.
Fixed Premiums for Life
Your premium is locked in from day one. No surprises, no rate increases — just reliable, consistent protection.
Cash Value Growth
Policies accumulate cash value over time, adding a meaningful financial asset to your family's long-term security.
Added Value
Funeral Consumer Guardian Society Membership
Every policyholder enrolled in the Funeral Advantage® Program receives automatic membership in the Funeral Consumer Guardian Society (FCGS) — a powerful set of benefits that goes far beyond the insurance policy itself. At one of the most emotionally vulnerable moments a family can face, FCGS membership provides practical support, financial advocacy, and compassionate guidance to ensure families are never taken advantage of.
Funeral costs in the United States have risen dramatically over the past two decades. The average funeral now costs between $7,000 and $12,000, and families in grief are often ill-equipped to negotiate or advocate for themselves. FCGS membership directly addresses this vulnerability by putting expert advocates in your corner at exactly the right moment.
Price Negotiation Assistance
Nationwide funeral price negotiation support ensures your family pays fair, reasonable rates at any licensed funeral home in the country.
Funeral Planning Guidance
Step-by-step assistance with planning final arrangements, so your family has a clear and compassionate roadmap to follow.
Documentation Support
Help recording and organizing final wishes, preferences, and vital documents so nothing is left uncertain or undecided.
Family Advocacy at Time of Death
A dedicated advocate stands with your family during the funeral process, protecting them from overcharges and unnecessary upsells.
Community Impact
Outreach, Education & Financial Preparedness
Martin Eichhorn & Associates believes that education is the foundation of true protection. Far too many American families — particularly in middle- and lower-income communities — are unaware of the true cost of funerals, the options available to them, or how simple and affordable it can be to prepare in advance. Our agents and representatives take an active, hands-on role in closing that knowledge gap through meaningful community engagement.
We regularly engage with senior centers, community health fairs, senior housing communities, faith-based institutions, cultural and immigrant organizations, and local networking events. These touchpoints allow us to meet families where they are — in their own communities, in their own language, and on their own terms. Our outreach is not transactional; it is relationship-driven, built on genuine care for the people we serve.
Our community education initiatives focus on four core themes: the rising cost of funerals, the importance of planning ahead while still healthy, the range of affordable protection options available, and the very real human cost of leaving financial burdens to grieving loved ones. By addressing these topics openly and compassionately, we empower families to make informed decisions that reflect their values and protect the people they love most.
Senior Centers
Faith-Based Institutions
Cultural Organizations
Senior Housing Communities
Health Fairs & Events
The Rising Cost of Final Expenses
Why Planning Ahead Has Never Been More Important
The financial reality of death in America is sobering. The average cost of a traditional funeral with burial now exceeds $9,000 to $12,000, and that figure continues to climb each year. When cremation, memorial services, and associated costs are added, even modest final arrangements can easily reach $5,000 to $7,000. For families without a plan, these costs arrive at the worst possible moment — when grief is fresh and financial reserves may be limited.
Many seniors mistakenly believe that Social Security will cover these costs, or that their children will "figure it out." The hard truth is that the Social Security death benefit is a one-time payment of just $255 — far less than a single line item on most funeral home invoices. Without a dedicated final expense policy in place, the financial burden falls squarely on surviving family members who are already navigating an emotionally devastating experience.
Planning ahead with a Funeral Advantage® policy through Martin Eichhorn & Associates means your family will never have to scramble for funds, take out loans, or launch a crowdfunding campaign to give you the dignified farewell you deserve. It means you've made the loving decision to protect the people you care about most.
Average Final Expense Costs
85%
Families Unprepared
of families have no dedicated final expense plan in place
72%
Unaware of True Costs
of seniors underestimate what a funeral actually costs
60%
Family Financial Strain
of families report significant financial stress following a loved one's death
Career Opportunities
Build a Meaningful Career in Final Expense Insurance
Martin Eichhorn & Associates is not just a place to work — it is a platform for entrepreneurship, financial independence, and lasting professional purpose. We actively recruit and develop individuals who are ready to build a career that matters, representing products that genuinely change lives. Whether you're an experienced agent looking for a stronger platform, or a career-changer eager to enter the insurance industry for the first time, we have a structured path designed to help you succeed.
The final expense market is one of the most resilient and rewarding niches in life insurance. With tens of millions of Baby Boomers aging into the 50–85 demographic, demand for affordable final expense coverage has never been higher — and it continues to grow every year. Agents who enter this market with the right training and support have the opportunity to build a stable, high-income career that makes a genuine difference in the lives of families across America.
Sales or Customer Service Experience
Prior experience in client-facing roles gives you a strong foundation for consultative insurance sales.
Entrepreneurial Mindset
We look for self-starters who are motivated to build their own business within our proven organizational structure.
Empathy & Communication
The ability to connect with seniors and families authentically is the most important skill an agent can bring to this market.
Discipline & Willingness to Learn
Success in this industry rewards those who follow a proven system, remain coachable, and commit to continuous improvement.
Agent Training System
World-Class Training & Mentorship from Day One
One of the greatest competitive advantages of joining Martin Eichhorn & Associates is access to a structured, comprehensive training and mentorship system that has been refined over 16 years of real-world experience in the final expense market. We don't hand you a product brochure and wish you luck. We walk alongside you every step of the way, from your very first client interaction to your growth into leadership.
Our training philosophy is built on the belief that the best agents are not born — they are developed through repetition, coaching, accountability, and exposure to proven methods. Every new agent receives a clear development roadmap that covers both the technical skills of insurance sales and the personal disciplines required for long-term success in an independent field.
Real-world shadowing, appointment observation, door-to-door prospecting, and community marketing methods alongside experienced agents.
3
Professional Development
Mindset coaching, business planning, goal setting, lead generation strategy, and client relationship management.
4
Leadership Growth
Top performers advance into management roles, recruiting and mentoring new agents while building their own agency organizations.
Sales Skills
A Complete Sales Training Curriculum
Core Sales Competencies
Every agent receives thorough instruction in the fundamental skills required to build a productive final expense practice. From the first phone call to the signed application, our training covers every stage of the sales process with precision and clarity. Agents learn to prospect effectively, set quality appointments, conduct thorough needs analyses, and deliver compelling presentations that connect the client's personal situation to the protection we provide.
Objection handling is one of the most critical skills in any sales environment, and we give it the dedicated attention it deserves. Agents learn to respond to common concerns — affordability, timing, trust — with empathy, clarity, and confidence. Our ethical closing techniques ensure that every sale is made in the genuine best interest of the client.
Prospecting strategies for the senior market
Appointment setting scripts and techniques
Client needs analysis and profiling
Effective and engaging presentations
Objection handling with empathy
Ethical closing techniques
Post-sale client service and retention
Field Training & Real-World Experience
Classroom instruction only goes so far. That's why our field training program pairs new agents directly with experienced producers in real client environments. You'll observe actual appointments, participate in door-to-door prospecting, and learn community marketing methods that have been proven effective in the final expense market over many years.
Field training accelerates learning dramatically by closing the gap between theory and practice. Seeing an experienced agent handle a real objection or complete a client presentation provides insights that no classroom can replicate. Our shadowing program is designed to build confidence, sharpen instincts, and prepare new agents to operate independently in the field with competence and professionalism.
Shadowing experienced top-producing agents
Real-world appointment observation
Door-to-door prospecting practice
Community event marketing techniques
Feedback and coaching after each session
Multi-State Operations
Serving Families Across America
Martin Eichhorn & Associates operates across eight states, with agents holding both resident and non-resident licenses to serve diverse communities throughout the country. This multi-state footprint gives our agents access to a broad and growing marketplace, while allowing the organization to fulfill its mission of protecting families in communities of all backgrounds, sizes, and demographics.
Our geographic expansion reflects both opportunity and responsibility. Each state we operate in represents thousands of families who need the protection we provide and thousands of aspiring professionals who deserve the career opportunity we offer. As we continue to grow, we remain committed to maintaining the same standard of personalized, compassionate service in every market we serve.
Illinois
Home base and primary market, with deep community roots and strong agent networks throughout the Chicago metro area and beyond.
Wisconsin
Expanding presence serving senior communities across the state, with active agents in both urban and rural markets.
Virginia
A growing market with significant senior population and strong demand for final expense protection in diverse communities.
Texas
One of the largest and fastest-growing final expense markets in the nation, with enormous opportunity for agents and families alike.
Arizona
A high-concentration senior market with year-round accessibility and strong community infrastructure for outreach and sales.
Colorado
A growing market where our agents serve both established communities and newer residents seeking final expense planning.
California
The largest state market in the country, with vast multicultural communities and significant opportunity for bilingual agents.
Florida
One of the premier senior insurance markets in America, with a dense retiree population and year-round prospecting opportunities.
Lead Generation & Marketing Support
The Tools You Need to Build a Thriving Practice
Success in the final expense insurance business is directly tied to the quality and consistency of your lead pipeline. At Martin Eichhorn & Associates, we understand that lead generation is one of the biggest challenges facing new and growing agents — and we've built a comprehensive support system to address it head-on. Our organization provides guidance, resources, and proven strategies across multiple lead channels so that our agents can spend more time serving clients and less time searching for them.
We work with agents to develop a diversified, sustainable lead generation strategy that combines company-supported channels with personally developed pipelines. This balanced approach reduces dependence on any single source and builds the kind of long-term business stability that creates real financial independence for our agents. Whether you prefer working direct mail leads, digital leads, referral networks, or community marketing, we have systems in place to support your preferred approach.
Direct Mail Campaigns
Targeted mailers to senior households within your territory, generating inbound inquiries from prospects actively seeking coverage.
Digital & Web Leads
Online-generated leads from prospects who have expressed active interest in final expense coverage through digital platforms.
Policyholder Referrals
Satisfied clients are among the most powerful sources of new business. We train agents to cultivate referrals ethically and systematically.
Community & Event Marketing
Face-to-face outreach at senior centers, health fairs, and community events builds trust and generates consistent appointment opportunities.
Chicago Life Training Center
Your Path to an Illinois Life Insurance License Starts Here
About Chicago Life Training Center
Founded by Martin R. Eichhorn, Chicago Life Training Center is a dedicated professional training school designed specifically to help individuals obtain their Illinois Life Insurance Producer License. The school provides structured, comprehensive preparation for candidates seeking to pass the state licensing examination — with the mentorship and support that makes the difference between anxiety and confidence on exam day.
Many aspiring insurance professionals are uncertain where to begin. The licensing process can feel overwhelming without proper guidance. Chicago Life Training Center removes that uncertainty by providing a clear, step-by-step educational pathway from initial enrollment through exam completion and industry entry.
What We Offer
Pre-licensing education courses meeting all Illinois state requirements
Comprehensive exam preparation programs with proven results
Study materials and realistic practice exams
Personalized guidance through every step of the licensing process
Mentorship for candidates entering the insurance industry for the first time
What You'll Be Prepared For
Illinois state pre-licensing education requirements
The Illinois Life Insurance Licensing Examination
Contracting with insurance companies and agencies upon licensure
Beginning a professional career in life insurance sales or management
Many graduates of Chicago Life Training Center go on to build successful careers with Martin Eichhorn & Associates or other leading agencies in the industry. The school is more than a licensing prep program — it is the front door to a career that can change your life.
Leadership Development
From Agent to Agency Builder — A Clear Path to Leadership
At Martin Eichhorn & Associates, we believe that the most successful organizations are built from within. That's why leadership development is not an afterthought — it is a core organizational strategy. From the moment an agent joins our team, they are being developed not just to close sales, but to one day lead, mentor, and inspire others. The agents who demonstrate consistent production, strong character, and a genuine desire to lift others up have a clear and accelerating path to management and agency leadership.
Our leadership development model is designed to be both merit-based and accessible. We don't promote based on seniority alone. We promote based on results, relationships, and the demonstrated ability to replicate success in others. This creates a culture of high performance, mutual accountability, and shared ambition that benefits every member of the organization.
Licensed Agent
Entry point for all new professionals. Build your client base, master the sales process, and develop your personal production systems.
Field Trainer
Top-producing agents who demonstrate teaching ability are elevated to Field Trainer roles, helping onboard and develop the next class of agents.
Agency Manager
Experienced field trainers who build and manage their own local sales teams, driving production goals and mentoring growing agents.
Regional Manager
The highest organizational tier — leaders who build and oversee entire regional agencies, creating a scalable business organization within the larger network.
Our Mission
Three Principles. One Purpose.
Every decision we make, every agent we train, and every family we serve is guided by a core mission that can be expressed in three fundamental principles. These principles are not aspirational slogans — they are the operational foundation of everything Martin Eichhorn & Associates does, day in and day out, across every state and community we serve.
🛡️ Protect Families
Provide accessible, affordable insurance solutions that protect families from the devastating financial impact of funeral and end-of-life expenses. Every policy we write is an act of love — a decision made by someone who cares deeply about the people they'll leave behind. We are honored to make that protection possible.
🌟 Create Opportunities
Offer meaningful, sustainable career paths for individuals seeking entrepreneurship and financial independence in the insurance industry. We believe that a great career does not require a prestigious degree or a privileged background — it requires discipline, empathy, and access to a proven system. We provide that system.
📚 Educate Communities
Promote awareness and preparation regarding final expenses, financial responsibility, and family protection — particularly in underserved communities that have historically lacked access to these critical conversations. Knowledge is protection, and we are committed to sharing it widely and generously.
Our Vision
Building a Network of Service, Integrity & Protection Across America
The long-term vision of Martin Eichhorn & Associates Insurance Services LLC is ambitious, deeply purposeful, and firmly grounded in the values that have guided the organization since its founding. We are committed to continuing to expand our reach across the United States by training new generations of insurance professionals, deepening our multicultural community outreach, strengthening partnerships with community institutions, and delivering the kind of ethical, compassionate service to families that this industry demands at its very best.
We envision a future where every senior in America — regardless of income, background, or zip code — has access to affordable final expense protection and the guidance they need to plan confidently for their family's future. We envision a future where aspiring insurance professionals from every walk of life have a clear, supported path to a career of purpose and financial independence. And we envision a network of leaders who embody integrity, professionalism, and genuine care for the communities they serve.
That future is being built today — one policy, one agent, one family at a time. We invite you to be part of it.
16+
Years of Experience
in the final expense insurance industry
8
States of Operation
with resident and non-resident licensed agents
3
Core Pillars
Protection, Opportunity, and Education — unified under one mission