Question 1

Why should I use an independent broker instead of buying directly from an insurance company?

Accepted Answer

Direct insurance companies only sell their own proprietary products. As an independent broker, Legacy Life Solutions compares 40+ top-rated carriers to find the policy that offers the lowest rate for your exact age, health history, and budget. When you call a single carrier, you only get one quote — we give you all of them in a side-by-side comparison.

Question 2

Does working with us cost me anything extra?

Accepted Answer

No. Broker services are 100% free to you. Rates are set directly by state insurance regulations, so you pay the exact same premium working with us as you would going directly to the carrier. The insurance company pays our commission — never you.

Question 3

Are you licensed and regulated?

Accepted Answer

Yes. Legacy Life Solutions is a licensed independent insurance broker authorized to sell in 41 states. We are subject to the same state department of insurance regulations, continuing education requirements, and consumer protection rules as every carrier we represent.

Question 4

What happens after I submit a quote request?

Accepted Answer

We make reasonable attempts to contact you promptly — usually the same business day — by phone, text, or email. From there we review your coverage goals, match your health history against the carriers most likely to approve you, and present a side-by-side comparison. There's no obligation and no pressure.

Question 5

Can I revoke my consent to be contacted?

Accepted Answer

Absolutely. By submitting a quote request you consent to be contacted about life insurance and final expense products, but that consent is not a condition of any purchase and can be revoked at any time. Just email or call us and we'll honor your opt-out request promptly.

Question 6

What is final expense (burial) insurance?

Accepted Answer

Final expense insurance is a small whole life policy — typically $5,000 to $40,000 — designed to cover funeral, cremation, medical bills, and other end-of-life costs. It builds cash value, the premium never goes up, and the benefit never goes down. Approval is based on simple health questions, not a medical exam.

Question 7

What is the difference between whole life and term life insurance?

Accepted Answer

Whole life is permanent — it lasts your entire life, builds cash value, and has a level premium. Term life covers you for a set period (10, 15, 20, or 30 years) and pays a larger death benefit at a lower monthly cost while it lasts, but it ends when the term is up. We help you choose based on what you're protecting and your budget.

Question 8

What is simplified issue versus guaranteed issue?

Accepted Answer

Simplified issue means a handful of health questions determine approval — no exam, no waiting period, and full coverage from day one. Guaranteed issue asks no health questions but typically includes a 2-to-3-year graded waiting period before the full benefit pays out. We only recommend guaranteed issue when simplified issue isn't an option.

Question 9

What coverage amount do I actually need?

Accepted Answer

It depends on what you're covering. For final expenses, most families choose $10,000 to $25,000 based on local funeral and cremation costs. For income replacement or mortgage protection, the rule of thumb is 7-to-10 times your annual income. We'll walk you through the math for your situation.

Question 10

Do the policies build cash value?

Accepted Answer

Whole life and final expense policies build tax-deferred cash value you can borrow against. Term life does not. Universal life policies build cash value tied to interest rates. We'll explain the trade-offs of each before you decide.

Question 11

Can I keep my policy if I move to another state?

Accepted Answer

Yes. Life insurance policies are portable — if you move, your coverage stays in force as long as you keep paying the premium. Because we're licensed in 41 states, we can also help you review new options in your new state.

Question 12

Do I need a medical exam to get life insurance?

Accepted Answer

Not necessarily. Many of our top carriers offer no-exam term life and simplified issue final expense policies up to $50,000+ where approval is based on simple health questions. For larger term policies we can still shop full underwriting if it saves you money.

Question 13

Can I get life insurance if I have pre-existing health conditions?

Accepted Answer

Yes. Conditions like diabetes, high blood pressure, high cholesterol, past heart stents, COPD, or a prior stroke are accepted by specific carriers. We match your exact health history — including your medications and recovery timeline — to the carrier whose underwriting guidelines are most generous for your situation.

Question 14

Will my medications raise my rate?

Accepted Answer

Usually no. Common maintenance medications for blood pressure, cholesterol, thyroid, acid reflux, and arthritis don't affect your rate class with most carriers. We'll review your medications against each carrier's guidelines so you never overpay for a rate class you don't need.

Question 15

Is there a waiting period before I'm covered?

Accepted Answer

With simplified issue and term policies, there's no waiting period — coverage is in force the day the policy issues. Guaranteed issue policies typically have a 2-to-3-year graded benefit period. We aim for day-one coverage whenever your health qualifies you for it.

Question 16

What if I've been declined before?

Accepted Answer

A decline from one carrier doesn't mean you're uninsurable — it usually means you applied with the wrong carrier. Different companies have very different underwriting guidelines for the same condition. We've helped many clients who were previously declined secure full day-one coverage.

Question 17

How much does final expense insurance cost?

Accepted Answer

Premiums depend on your age, gender, and health status. Monthly payments can start as low as $25 to $45 per month for $10,000 to $15,000 in permanent coverage. Because we compare 40+ carriers, we show you the lowest rate you qualify for — not just one company's price.

Question 18

Will my premium go up over time?

Accepted Answer

No — not with the whole life and final expense policies we recommend. The premium is locked in for life at the age you apply. Term life premiums stay level for the term you choose, then the policy ends or renews at a higher rate.

Question 19

How are premiums paid?

Accepted Answer

Most clients pay monthly by bank draft or card. Annual and semi-annual payment options are also available and often come with a small discount. We'll help you set up whichever works for your budget.

Question 20

Are the death benefits taxable?

Accepted Answer

Life insurance death benefits are generally income-tax-free to your named beneficiary. Federal estate taxes may apply to very large estates, but final expense and most term policies fall well below those thresholds.

Question 21

How does my family file a claim?

Accepted Answer

When the time comes, your beneficiary calls the carrier's claims department (the number is on the policy) and submits a death certificate. Most final expense claims are paid within a few business days — long before an estate is settled — so funds are available exactly when your family needs them.

Question 22

What is the free-look period?

Accepted Answer

Every state gives you a free-look period — usually 10 days — to review your policy after it's issued. If it doesn't meet your needs, you can return it within that window for a full premium refund, no questions asked.

Question 23

Will you still help me after I buy a policy?

Accepted Answer

Yes. We're here for the life of the policy — answering billing questions, helping with beneficiary changes, and walking your family through the claims process. You're never handed off to a call center you don't know.

Question 24

What if I already have a policy from another agent?

Accepted Answer

We can review your existing coverage at no cost. Often we find that rates have come down, or that a newer carrier offers better underwriting for your current health. We'll only recommend a change if it genuinely benefits you.

Frequently Asked Questions

Working With an Independent Broker

Policies & Coverage

Underwriting & Health

Costs & Payments

Claims & Service

Still have a question?