What would your family owe next month?
A funeral runs eight to twelve thousand dollars, and it is due long before an estate settles. Final expense insurance is a small whole life policy built to cover exactly that — and it pays your beneficiary directly, in cash, within days.
- Quotes from several A-rated carriers, side by side
- No medical exam or blood work on most policies
- Coverage that never expires and a rate locked for life
- Your information is never sold to other agents or lead buyers
Monday – Saturday, 9am – 8pm Eastern
Who you will be talking to
Nicco Christante.
Founder of The Christante Agency and a licensed insurance producer in twenty states. Independent, which means the recommendation follows your health and your budget instead of one company's product shelf.
Protect today, insure tomorrow.
One conversation, real numbers from several carriers, and a plain explanation of what each policy does and does not cover. If none of them are right for you, he will say so.
Straight answers
Before you fill anything out.
What does final expense insurance actually cover?
It is a whole life policy, usually between $2,000 and $40,000, built to cover what your family owes after you pass: the funeral home, the cremation or burial, the headstone, the last medical bills, and whatever else lands on their kitchen table that month. The money goes straight to the person you name and they can spend it on anything.
Do I need a medical exam?
For most of what we write, no. There is no exam and no blood work — you answer a short set of health questions and many people find out the same day whether they are approved.
Can I get covered with health problems?
Usually yes. Diabetes, high blood pressure, heart history, COPD and past cancer are all conditions we place regularly. Some carriers will start your coverage day one, others use a two-year waiting period on natural death. We will tell you plainly which one you are looking at before you sign anything.
What will it cost me?
That depends on your age, your health and how much coverage you want. Rather than guess, we run your actual numbers with several carriers and show you the quotes side by side. There is no charge for that and no obligation to take any of them.
Do we have to meet in person?
No. Nicco is licensed in 20 states and nearly everything is handled by phone and e-signature, usually in a single appointment. If you are near the Raleigh–Durham area and would rather sit down, that can be arranged.