How it works: our quick, easy application
Apply for life insurance online in just a few minutes with Legacy Life Group simple application. No medical exams are required. Just answer a few health questions — many customers enjoy same-day coverage!
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Frequently Asked Questions:
“Legacy Life Group takes the guesswork out of the application process. Answer a few basic questions and see which products offer the best fit for your coverage needs.”
What types of insurance does Legacy Life Group offer?
At Legacy Life Group, we offer a full range of life insurance solutions, including:
• Final Expense Insurance – Helps cover funeral costs and outstanding expenses.
• Whole Life Insurance – Provides lifelong coverage with cash value accumulation.
• Term Life Insurance – Affordable coverage for a specific period.
• Universal Life Insurance (ULI) – Flexible, permanent life insurance with cash value growth.
• Indexed Universal Life Insurance (IUL) – A powerful wealth-building and protection tool that grows based on market performance.
• Children’s IUL Policies – A smart financial head start for your child, offering lifelong protection, tax-free cash accumulation, and future financial security.
Who can apply?
All U.S. citizens ages 20 to 85 can apply. Legacy Life Group is licensed and operates in the District of Columbia and every U.S. state except New York.
What is a Children’s IUL, and how does it benefit my child?
A Children’s Indexed Universal Life (IUL) policy is a life insurance plan designed to provide lifelong protection and financial growth. Key benefits include:
• Tax-Free Cash Value Growth – Builds wealth that can be accessed for education, home purchases, or retirement.
• Lifelong Coverage – Ensures protection regardless of future health conditions.
• Guaranteed Insurability – Locks in low rates while they’re young.
• Legacy & Wealth Transfer – Provides financial security for generations.
How quickly can I get covered?
Most of our policies offer instant decision and issue, meaning you can apply, get approved, and have coverage in place within minutes—no lengthy underwriting or medical exams required for most applicants.
Do I need a medical exam to qualify?
Many of our policies, including final expense and certain term life and IUL products, do not require a medical exam. Instead, approval is based on a simple health questionnaire and instant underwriting.
Why should I choose Legacy Life Group?
• Comprehensive Coverage Options – We offer policies for every stage of life.
• Instant Approval Process – No waiting weeks for coverage.
• Expert Guidance – Our team helps you find the right policy for your needs.
• Financial Security & Growth – Especially with our Indexed Universal Life plans, which help build wealth over time.
Can I customize my policy to fit my financial goals?
Yes! Our policies offer flexibility, allowing you to choose coverage amounts, add riders (such as living benefits or accidental death coverage), and structure your plan to align with your long-term financial goals.
What happens if I miss a payment?
Many of our policies come with a grace period, and some permanent life insurance options, like Whole Life and IUL, have built-in cash value that may help cover missed payments. Our team can assist you in finding a solution to keep your coverage active.
Can I access the money in my life insurance policy while I’m still alive?
Yes! Policies like Whole Life and Indexed Universal Life build cash value that can be borrowed against or withdrawn for major expenses like home purchases, education, or retirement. Additionally, some policies offer living benefits, allowing you to access funds in the case of a critical, chronic, or terminal illness.
What if I have pre-existing health conditions?
We offer coverage options for a wide range of health conditions. While some policies may have higher premiums or limited benefits based on medical history, we have guaranteed-issue options that don’t require health questions or exams.
How do I get started?
Getting covered is simple! Call us today or visit LegacyLifeGroupLLC.com to speak with a licensed agent and find the right life insurance plan for you and your family.
What Kind of Questions Will I Be Asked?
Applicants between 66 and 85 are eligible for our guaranteed issue Whole life policy and can get approved after answering a few simple questions.
Term policies require additional questions, but applications can still be completed in minutes. In general, you can expect questions related to:
- Your health
- Your legal and driving history
- Your health insurance history
- Your employment and income status
- Your lifestyle and hobbies
- Your drug and/or alcohol use
How do policy claims and payouts work?
Assuming there are no unusual circumstances, your beneficiary will receive an untaxed, lump-sum payment for the policy’s value (the death benefit). Suppose you purchase $250,000 in coverage. In that case, your beneficiary will receive a tax-free $250,000 lump-sum payout. In some instances, the payout may shift slightly due to policy loans or the inclusion of a graded death benefit (if you have a Whole life policy with a graded benefit). See your policy documents for more details
Exclusions
There are several reasons why a claim might not be paid. These include fraud, misstatements, or material misrepresentations of the information provided in your application. That’s why it’s important to be truthful in your application. A claim can also be denied if the insured’s death results from suicide in the first two years of the policy being in effect. Details may vary by state, so refer to the policy or ask us for additional information.