No.
First, nearly all final expense insurance is only obtainable via agencies such as Choice Mutual. Over 95% of the plans available in the USA are not sold directly from the insurers.
Generally, the only plans sold directly by an insurance company are guaranteed acceptance policies. Those are plans with no health questions, which all have a 2-3 year waiting period.
Some insurance companies offer guaranteed issue coverage direct to consumers and via agencies.
For example, A.I.G. Direct sells their guaranteed issue policy directly from them. They also sell it through agencies like us.
Whether you buy A.I.G.’s guaranteed issue coverage through us or directly from them, the policy is identical in every way, including pricing. In the end, there is no discount by dealing directly with them (which is rarely possible).