Protect · Plan · Preserve

Make sure your family is taken care of, not handed a bill.

Final expense life insurance is a small, permanent policy that covers the funeral and the bills that come after. Answer a few simple questions to see your options.

  • No obligation, nothing to buy today
  • Takes just a few minutes
  • A real, family-like team, never a call center

Home office in Tampa, Florida · Serving families across the United States

Who are you looking to protect?

Let’s explore life insurance options designed around the people who matter most.

🔒 Your details stay private

We compare options from 42 A-rated carriers, including
Mutual of OmahaForesters FinancialTransamericaAmericoCorebridge FinancialEthosAIG
A-rated carriers compared42
States we serve50
Cost to see your options$0
ObligationNone

What we help with

How it works

Three steps. No runaround.

01

Answer a few simple questions

A few minutes. No medical exam to see your options.

02

Our team reviews your needs

A licensed broker looks it over before anything is quoted.

03

You get tailored options

Two or three carriers side by side, with the trade-offs explained.

Why it matters

It’s not about the policy. It’s about the month after.

That’s the right way to judge how much coverage your family needs.

Without coverage

  • The funeral bill lands on your family
  • Loved ones scramble to raise money
  • Bills fall on one income
  • Plans for the future get put on hold

With the right plan

  • Final costs are already handled
  • The benefit goes to the person you choose, income-tax-free
  • Your family keeps its footing
  • Your premium is locked in

Five things to write down about this kind of coverage

1. Day-one coverage

On many plans, your loved ones are covered from the first premium, with no two-year waiting period. Some plans do carry a waiting period; I'll tell you exactly which before you decide.

2. Locked-in rate

The premium never increases and the coverage never decreases. What you pay in year one is what you pay in year twenty.

3. TAX FREE

The death benefit is paid directly to the person you choose, income-tax-free.

4. Living benefit

Many plans let you access a portion of the benefit while you're alive if you're diagnosed with a terminal illness. The exact terms vary by carrier.

5. Permanent coverage

This is whole life, not term. It doesn't expire at 70 or 80. As long as the premium is paid, it's there.

What it isn't

Not a government benefit, not connected to Medicare, Social Security, or the VA, and not a savings account. It's a private life insurance policy you own.

What does a funeral actually cost?

Cremation

Often $5,000–$7,000 depending on the service and urn.

Burial

Often $10,000–$15,000 depending on the service, casket, and opening and closing of the grave.

What else lands on your family

Medical bills, credit cards, a car note, what's left on a mortgage. Most families can't absorb that on short notice, which is why people get this covered.

Ranges reflect what families commonly report; actual costs vary by funeral home and choices.

Veterans and their families

If you served, thank you. Let's make sure the funeral expense never falls on your loved ones.

I've spent the last four-plus years working with veterans and their family members on final expense and life coverage. Most of the veterans I talk to want two things: make sure the funeral is handled, and leave a little extra behind for a spouse or the grandkids. Many have VA burial benefits, but those rarely cover the full cost of a service, and they don't pay the bills that keep arriving in your name.

Explore veteran coverage options

Three ways people set it up

  • Bronze: covers the full funeral so nobody comes out of pocket.
  • Silver: funeral plus a cushion for leftover bills and inflation.
  • Gold: funeral, bills, and extra money left behind for the family.

You pick the one that fits. Coverage and premium depend on your age, health, and the carrier.

Maxim Jonassaint

About Noble Saint Legacy Planning

We're an independent life insurance brokerage with our home office in Tampa, Florida, serving families across the United States. We work with families across the country on final expense, life insurance for veterans and their spouses, indexed universal life, and mortgage protection. Because we're a brokerage contracted with 42 A-rated carriers and not a single insurance company, we compare plans across them and recommend the one that fits you, not the one that pays us most.

Hi, I'm , the founder.

Licensed Life & Health Insurance Agent in all 50 states. Four-plus years helping families with this exact decision. I live in Tampa now, but I grew up in Chester County, Pennsylvania, and that's where this story starts.

When my grandmother passed, she left nothing behind to cover her funeral. I watched my family scramble to pay for the service, the burial, and the bills that kept arriving in her name, all while trying to grieve. Nobody had talked to her about a simple policy that would have cost less than a cable bill. That experience is why I got into life insurance, and it's why I focus on final expense coverage: it's the one thing I wish someone had sat down and explained to her.

Here's how we work. We're brokers, not salespeople for one company. Think of it like Expedia for life insurance: we're contracted with carriers like Mutual of Omaha, Foresters Financial, Transamerica, Americo, Corebridge Financial, and Ethos, and our job is to find you the most coverage for the lowest price. We don't have a bias toward any one of them; whatever fits you best wins. We handle the paperwork too: once we find the plan and the price that work, we submit the application together on the phone and find out if you're approved. And if I don't have an answer to your question, I will sure as heck find it for you. No pressure, no runaround.

Explore your options

Before you fill anything in

Questions families ask before they trust us

Straight answers, including the ones that might talk you out of a policy.

Will I be pressured to buy?

No. The call is to understand your situation and show you options. You decide.

Will you sell my information?

No. Your request goes only to the licensed agent named on this site. See our Privacy Policy.

What if I have health problems?

Many final expense plans are designed for people with health conditions. Some have no health questions, though those typically cost more or have a waiting period. The agent will explain the trade-offs.

How fast can coverage start?

Many plans can be approved by phone the same day. Some plans include a two-year waiting period for natural causes; the agent will tell you exactly what applies.

One team, not a list

Your details are never sold to lead buyers.

No obligation

Look at your options, think it over, or walk away.

A licensed broker

The same team stays with you after your policy is in place.

See what you qualify for

A few simple questions. No medical exam to see your options. No obligation.

Show me my options