Life Insurance Made Simple Compare coverage options, understand what fits your needs, and get help when you want it — all without making life insurance more complicated than it needs to be.
Legacy makes it easier to compare life insurance quotes and explore coverage options including term life, whole life, final expense, and no medical exam life insurance. Get started online, or work with a licensed Legacy agent to understand your options and find coverage that fits your needs and budget.
A simple explanation of how life insurance works, what it can protect, and the different types of coverage available.
Learn how income, debt, family responsibilities, and future goals can help determine the right amount of coverage.
Understand the factors that affect pricing and what can influence the cost of your coverage.
The cost of life insurance depends on your individual situation. Factors such as your age, health, tobacco or nicotine use, coverage amount, policy type, and term length can all affect your premium.
In general, buying coverage while you are younger and healthier can help you qualify for lower rates.
There is no single amount that is right for everyone. A common starting point is to consider a multiple of your annual income, but a more complete approach looks at your income, mortgage, debts, children, future expenses, existing savings, and current life insurance.
The goal is to identify the financial gap your family could face if you were no longer there.
Yes. The Ethos application is non-binding, and policies include a 30-day free-look period. If you decide the policy isn’t right for you and cancel within that period, premiums paid are refunded according to the terms of the policy.
The free-look period gives you time to review your policy after it is issued and make sure the coverage is right for you.
Life insurance provides a death benefit to your beneficiaries if you die while the policy is in force.
The proceeds can help with expenses such as:
Your beneficiaries generally decide how the proceeds are used. Life insurance death benefits are also generally received free from federal income tax by beneficiaries.
See how Legacy helps make protecting your family simpler, faster, and easier to understand.
Learn the basics of wills, trusts, and estate planning so you can make clearer decisions for your family and your future.
Explore practical guides on life insurance, coverage options, and estate planning to help you better understand your choices.
See how Legacy helps make protecting your family simpler, faster, and easier to understand.
Learn the basics of wills, trusts, and estate planning so you can make clearer decisions for your family and your future.
Explore practical guides on life insurance, coverage options, and estate planning to help you better understand your choices.
