Independent Life Insurance Marketplace
Helping families explorelife insurance options.
Legacy Shield Coverage is a consumer-facing marketing brand that connects consumers with licensed insurance professionals. Insurance consultations and policy discussions are handled by Secure Path Financial and/or licensed insurance agents — at your pace, with no pressure.
Speaking with a licensed advisor is free and carries no obligation. Coverage approval, eligibility, and pricing are determined by the issuing carrier.
Final Expense
Designed for end-of-life expenses
Term Life
Temporary, level-premium coverage
Whole Life
Permanent, lifelong protection
Educational information only. Not an offer of insurance. Coverage availability and rates vary by carrier, state, age, and underwriting.
Insurance services
Secure Path Financial
Independent
Insurance marketplace
Licensed
Insurance advisors
Multiple
Coverage providers
Transparent
Educational guidance
Personalized
Family support
Our Mission
Helping families understand life insurance — clearly and honestly.
We believe families deserve to make life insurance decisions with confidence. Legacy Shield Coverage was built to make the process feel approachable: clear education, transparent communication, and licensed advisor support — without pressure or sales scripts.
As an independent marketplace, we're not tied to any single carrier. That allows licensed insurance professionals to discuss a range of products and help you understand which options may fit your family's needs.
Family-focused
We meet families where they are with patient, plain-language explanations.
Transparent
We disclose how the marketplace works, who we are, and what to expect.
Educational
We publish guides and FAQs so you can learn before you make any decision.
Licensed advisor support
Conversations are with licensed insurance professionals — no high-pressure tactics.
How it works
A simple, no-obligation 5-step process.
Designed to feel like a conversation, not a sales call. Take the time you need.
01
Speak with a licensed professional
Have a relaxed, no-pressure conversation about your questions.
02
Review your family's goals
Discuss who you'd like to protect, your budget, and your priorities.
03
Explore coverage options
Learn about products available from participating carriers.
04
Review underwriting & eligibility
Understand what each carrier requires and how rates are determined.
05
Choose what fits — or simply learn
Decide if and when to apply. There is never an obligation.
Approval is not guaranteed. All applications are subject to underwriting review by the issuing carrier.
Underwriting applies. Health, age, tobacco use, and other factors are considered.
Rates vary by applicant. Premiums depend on multiple factors — there is no one-size-fits-all rate.
Products vary by state & carrier. Not every product is available in every state.
Coverage education
Understand the most common types of life insurance.
Plain-language explanations to help you start your research. Availability, pricing, and benefits vary by carrier, state, age, and underwriting.
What is Final Expense Insurance?
Final expense insurance is a type of whole life policy typically designed in smaller face amounts to help families cover end-of-life costs such as funeral, burial, or memorial expenses. It often features simplified underwriting, which can make it more accessible for older adults. Like all life insurance, eligibility, pricing, and product features depend on the carrier, state, and applicant information.
Learn more →What is Term Life Insurance?
Term life insurance provides coverage for a set period — commonly 10, 20, or 30 years — with a level premium during the term. Many families choose term life as an affordable way to help protect against income loss during years when children are growing or a mortgage is being paid down. Coverage ends when the term expires unless converted or renewed, subject to policy terms.
Learn more →What is Whole Life Insurance?
Whole life insurance is a form of permanent coverage designed to last the insured's lifetime, with level premiums and a death benefit that does not expire as long as premiums are paid. Many whole life policies also build cash value over time. Features, costs, and cash value growth vary by carrier and policy.
Learn more →Why families choose us
Built on trust, transparency, and education.
Independent marketplace
We're not a single insurance carrier — we help you compare options across participating providers.
Licensed advisors
Every conversation is with a licensed insurance professional, not a sales script.
Personalized guidance
We tailor the conversation to your family's goals, not a one-size-fits-all pitch.
Transparent information
We disclose who we are, who we work with, and what to expect — clearly.
Coverage varies by carrier
We explain how products, rates, and approval differ between carriers and states.
Family-focused support
We treat every conversation like it's with our own family — patient and respectful.
Educational resources
Read our blog and learning hub before you decide anything — no pressure to act.
No-obligation conversation
Talking to a licensed advisor is free and never requires a purchase.
Support
Real people. Real conversations. On your schedule.
When you connect with Legacy Shield Coverage, you'll speak with a licensed insurance professional who can answer questions, explain coverage options, and walk you through underwriting in clear language. There is no obligation to apply or purchase.
Business hours
Monday – Friday
10:30 AM – 8:30 PM ET
Mon–Fri 10:30am–8:30pm ET. Calls outside of business hours may be returned the next business day.
What to expect
A respectful, educational conversation.
- A licensed advisor introduces themselves and explains who Legacy Shield Coverage is.
- You share what you'd like to learn about — at your pace.
- The advisor walks through coverage options and how underwriting works.
- You receive clear answers — and decide what to do next, with no pressure.
Learn before you decide
Educational guides for families.
Read clear, jargon-free articles about life insurance written for everyday families.
What Is Final Expense Insurance?
A plain-language overview of how final expense coverage works and who it's typically designed for.
Read article →Term Life vs Whole Life
Understand the key differences between temporary and permanent life insurance — and how families choose.
Read article →Understanding Underwriting
How carriers evaluate applications, why rates differ, and what factors influence approval.
Read article →Questions To Ask Before Buying Coverage
Smart questions to bring to a conversation with a licensed insurance professional.
Read article →How Life Insurance Helps Families
Common ways families use life insurance to plan ahead and protect what matters most.
Read article →Visit the Blog
More articles, guides, and educational resources — updated regularly.
Read article →FAQ
Questions, answered honestly.
Straightforward answers to the questions families ask most.
Is coverage guaranteed?+
No. Coverage is never guaranteed. All applications are subject to the issuing carrier's underwriting and applicant eligibility. Speaking with a licensed advisor does not guarantee policy approval or coverage issuance.
Does underwriting apply?+
Yes. Most life insurance products require underwriting, which may include health questions, prescription history review, or in some cases a medical exam. Requirements vary by carrier and product.
Are rates the same for everyone?+
No. Premiums vary by applicant. Factors include age, gender, state of residence, tobacco use, health, family medical history, the type and amount of coverage, and each carrier's underwriting guidelines.
What affects eligibility?+
Eligibility depends on the carrier and product. Common factors include age, health, lifestyle (such as tobacco use or hazardous activities), and state of residence. Some products use simplified or guaranteed-issue underwriting and others require fuller medical underwriting.
Is Legacy Shield Coverage an insurance carrier?+
No. Legacy Shield Coverage is a consumer-facing marketing brand. Insurance consultations and policy discussions are handled by Secure Path Financial and/or licensed insurance agents. Elation Marketing Group LLC manages website and marketing operations only. Policies are issued by licensed insurance carriers.
What states are served?+
Legacy Shield Coverage works with licensed insurance professionals in all 50 U.S. states. The specific carriers and products available depend on your state of residence.
How does life insurance work?+
In general, you (the policy owner) pay premiums to an insurance carrier in exchange for a death benefit paid to your beneficiaries when the insured passes away, subject to policy terms. Coverage types, costs, and features vary.
What is final expense insurance?+
Final expense insurance is a smaller whole life policy typically designed to help cover end-of-life costs such as funeral, burial, or memorial expenses. Many final expense products use simplified underwriting.
What is term life insurance?+
Term life insurance provides coverage for a set period (such as 10, 20, or 30 years) with a level premium during the term. It's often used to provide protection during years when families have higher financial responsibilities.
What is whole life insurance?+
Whole life insurance is a form of permanent coverage designed to last the insured's lifetime, with level premiums. Many whole life policies build cash value over time, subject to policy terms.
Important disclosures
Legacy Shield Coverage is a consumer-facing marketing brand. Insurance-related services, phone consultations, and policy discussions may be handled by Secure Path Financial and/or licensed insurance agents. Elation Marketing Group LLC manages digital marketing, website development, and advertising services only. Legacy Shield Coverage is not an insurance carrier and is not affiliated with or endorsed by any insurance carrier or government agency unless expressly stated.
Coverage availability, pricing, eligibility, and rates vary by carrier, underwriting, applicant information, and state regulations.
Speaking with a licensed advisor does not guarantee policy approval or coverage issuance. Consumers should review all policy details, benefits, limitations, and exclusions directly with a licensed insurance professional before purchasing coverage.
Ready to learn more?
Have a no-obligation conversation with a licensed insurance professional. Ask questions, review options, and take the time you need.
Legacy Shield Coverage is a consumer-facing marketing brand. Insurance-related services, phone consultations, and policy discussions may be handled by Secure Path Financial and/or licensed insurance agents. Elation Marketing Group LLC manages digital marketing, website development, and advertising services only. Legacy Shield Coverage is not an insurance carrier and is not affiliated with or endorsed by TruStage, American Amicable, Pacific Life, Mutual of Omaha, or any government agency unless expressly stated. Coverage availability, pricing, eligibility, and rates vary by carrier, state, underwriting, and applicant information.
By calling or submitting your information, you consent to be contacted by Legacy Shield Coverage and/or licensed insurance professionals by phone, text message, or email regarding insurance products, including through automated technology where permitted. Consent is not required to purchase goods or services.