Final Expense
A small whole life policy sized to the bill your family actually gets — the funeral, the cremation, the headstone, the last month of medical.
- No medical exam
- Rate locked for life
- Paid directly to your beneficiary
Licensed in 20 statesProtecting today,
Protecting today,
insuring tomorrow.
The Christante Agency helps individuals and families put the right life insurance in place — and understand exactly what they bought. Independent, so the recommendation follows your situation instead of one company's product shelf.
Nicco ChristanteFounder & Licensed Producer
20States licensed
A-ratedCarriers shopped
No examOn most policies
$0Cost to compare
What we place
Coverage built around
the people who depend on you.
Term & Whole Life
Income replacement while the kids are still at home, or permanent coverage that never expires and builds cash value you can borrow against.
- 10 – 30 year terms
- Convertible options
- Cash value growth
Mortgage Protection
Coverage written around the balance and the years left on your loan, so the house stays in the family instead of on the market.
- Matched to your payoff
- Living benefit riders
- Return-of-premium options
Retirement & Legacy
Annuities and indexed strategies for people who want income they cannot outlive and a clean handoff to the next generation.
- Tax-advantaged growth
- Guaranteed income options
- Estate-minded planning
How it works
Three steps, and none of them are a hard sell.
A real conversation
Fifteen minutes on the phone. What you already have, who depends on you, what you are worried about. No forms, no pitch, no obligation.
Options side by side
The Christante Agency is independent. We shop several A-rated carriers and put the real numbers in front of you — including the ones that are not the right fit and why.
Covered, in writing
Most policies are approved without an exam, many the same day. You get the paperwork, your family gets the beneficiary letter, and we stay your agent for the life of the policy.
The agency
We are passionate about protecting what matters most.
At The Christante Agency we take the time to understand each client's situation before we recommend anything. Every family arrives with a different set of worries — a mortgage, a spouse, a funeral nobody wants the kids to pay for — and the right policy is the one that answers the worry actually in front of you.
Protect today, insure tomorrow.
We are committed to building lasting relationships, earning trust, and helping your family create greater financial confidence and the peace of mind you deserve. That means plain answers about what a policy does and does not do, and an agent who is still reachable years after the paperwork is signed.
Nicco ChristanteFounder · NPN 16634527
Where we work
Licensed in twenty states.
Nearly everything is handled by phone and e-signature, usually in one appointment. If you are near the Raleigh–Durham area and would rather sit down in person, that can be arranged.
- AKAlaska
- ALAlabama
- AZArizona
- FLFlorida
- GAGeorgia
- IDIdaho
- KSKansas
- MDMaryland
- MIMichigan
- NCNorth Carolina
- NENebraska
- NMNew Mexico
- OHOhio
- OROregon
- PAPennsylvania
- SCSouth Carolina
- TXTexas
- UTUtah
- VAVirginia
- WVWest Virginia
Straight answers
Questions we get every week.
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.
Are you an insurance company?
No. The Christante Agency is an independent agency. We are not a carrier and we are not affiliated with any government agency, Medicare, or the Social Security Administration. We are paid by the insurance company if you decide to take a policy, which is worth knowing up front.
Start here
See your real numbers before you decide anything.
Tell us a little about your situation and Nicco will come back with quotes from several carriers side by side — including the ones that are not the right fit, and why.
- No cost, no obligation, and no pressure to buy anything.
- Most policies issue with no medical exam and no blood work.
- Your information stays with this agency. It is never sold to lead buyers.
- You talk to Nicco directly, not a call center rotation.
Prefer to just call?(919) 491-9795
Monday – Saturday, 9am – 8pm Eastern