Protect the people who make your life worth living.
NOBL Legacy Planning delivers life insurance and legacy counsel to individuals and families who take their financial responsibilities seriously — from fast digital coverage to sophisticated wealth-transfer structures.
On the discipline of protecting what cannot be replaced.
Most people understand, in the abstract, that life insurance matters. What they lack is not conviction — it is the right moment, the right guide, and a process worthy of the decision. NOBL Legacy Planning was built to provide all three.
We believe the best time to secure coverage is the moment a person recognizes what they stand to lose. Our role is to be present at that moment, to make the process frictionless, and to ensure that every family we work with leaves better protected than when they arrived.
Coverage for every stage of life and every level of complexity.
01
Term Life Insurance
Straightforward, affordable protection for a defined period. Coverage up to $2 million with no medical exam required. Terms from 10 to 30 years. Decisions in minutes, not weeks.
02
Whole Life Insurance
Permanent coverage that lasts a lifetime. Builds guaranteed cash value, locks in premiums today, and provides a tax-advantaged asset your family can rely on for generations.
03
Indexed Universal Life
A flexible, permanent life insurance vehicle with cash value accumulation tied to a market index. Upside participation with downside protection — a powerful long-term planning tool.
04
Premium Financing
For high-net-worth clients seeking substantial coverage without disturbing liquidity. Institutional leverage applied to large life insurance policies — engineered case by case.
Coverage up to $2 million. About seven minutes.
01
Get Your Quote
Answer a few questions about yourself and the coverage you need. No agent required, no paperwork, no waiting room. Your quote is ready in under two minutes.
02
Apply Online
Complete your application from any device at any time. Our platform — powered by Ethos — uses intelligent underwriting to make most decisions instantly, with no medical exam required.
03
Coverage Begins
Once approved, your policy is active and your family is protected. You'll receive your policy documents digitally, and your coverage is backed by A-rated carriers.
“A legacy is not built at the end of a life. It is built in the decisions made along the way.”
Embed life insurance where the decision already lives.
NOBL Legacy Planning partners with mortgage platforms, credit unions, and membership organizations to bring life insurance to their customers at the exact moment it matters most — when they're taking on a mortgage, protecting a new home, or planning a financial future.
When your platform partners with NOBL, your customers get access to up to $2M in coverage, no medical exam, in about seven minutes — presented natively in the workflow they're already in. You earn per policy. We handle licensing, compliance, and service in all 50 states.
*Attach rates illustrative, based on Ethos platform benchmarks and embedded-protection industry data.
Questions, answered.
Who is Ethos, and what is NOBL's relationship with them?+
NOBL Legacy Planning is an independent insurance agency. Policies are issued through Ethos Life Insurance Services' carrier partners, including Legal & General America and TruStage — all A-rated carriers. NOBL is your advisor and agency; Ethos provides the technology and carrier relationships.
Do I really not need a medical exam?+
Most applicants qualify with no medical exam. Ethos uses intelligent underwriting based on your application answers and third-party data. Some applicants may be asked for additional information.
How fast can coverage begin?+
Most applicants receive a same-day decision, and coverage can begin the day you're approved. The application takes about seven minutes.
Should I choose term or whole life?+
Term life covers finite obligations — a mortgage, the years until your children are independent — and delivers the most protection per dollar. Whole life is permanent, builds guaranteed cash value, and suits long-term legacy goals. Many families use both.
How much coverage do I need?+
A common starting point is 10–12× your annual income, plus your mortgage balance and future obligations like college. A NOBL advisor can help you tailor this in a free consultation.
Is NOBL an insurance company?+
No. NOBL is an independent agency licensed in all 50 states. Your policy is issued and backed by A-rated insurance carriers; eligibility, rates, and terms are determined by the issuing carrier.
Coverage up to $2 million.
No medical exam. About seven minutes.
Most applicants receive a same-day decision. Apply online from any device, at any time, with no agent required. Your coverage can begin today.