Discover your options whether it comes to protecting your legacy, income, or retirement. The insurer makes the final decision — LegacyDirect lets you see your options directly.
Start with a guided questionnaire that helps you navigate what coverage best fits you and your family's needs.
Tell us what you want your coverage to do and where you stand today. Your agent will tell you early on whether the insurer is likely to need medical underwriting.
See a starting point built from your answers, then talk it through with a licensed agent who compares options with you and helps you apply — only if you decide to.
Your agent keeps you updated from application to the insurer's decision. If you're approved, you'll get your policy to review, with a free-look period to cancel for a refund.
Life insurance built around hardworking families and the people they're providing for.
Coverage built to leave something behind — a death benefit sized to cover final expenses and leave a lasting cushion for the family you're providing for.
Living benefits that can let you use part of your death benefit early if you're diagnosed with a qualifying terminal, chronic or critical illness.2
Cash value that isn't invested in the market, so index drops don't reduce your credited interest below 0%, with the potential for tax-advantaged income to supplement what you've already saved.1
Newer technology, clear answers, and a much simpler start — built around what actually matters to families.
Coverage sized to what your household would actually need to keep going.
A death benefit designed to be far larger than the premiums you pay, as long as the policy stays in force.
A policy that backs up the years you've already put in, not just the years ahead.
Debts, tuition, a mortgage — the obligations a policy is actually meant to cover.
A licensed agent keeps you posted, so you're never wondering where an application stands.
The category LegacyDirect was built to make simpler — from a church fund for ministers' families to coverage for families across the country.