Step 1 — Speak with a licensed insurance professional

Call 866-638-3618 or request a callback. A licensed insurance professional will introduce themselves, confirm their license information, and explain how the conversation will work. There is no obligation to apply.

Step 2 — Review your coverage goals and eligibility

Your advisor will ask about your goals (final expense, income protection, legacy planning), beneficiaries, budget, age, state of residence, and general health. This helps narrow down which products and carriers may be appropriate.

Step 3 — Explore available coverage options

Your advisor will discuss product types and carrier options that may be available in your state. Carrier participation, products, and pricing vary by state, age, health, and underwriting.

Step 4 — Review policy details, underwriting, and pricing

Before any application is submitted, you'll review the policy structure, premium, death benefit, riders, waiting periods (if any), exclusions, and underwriting requirements. Quotes are estimates only until the carrier completes underwriting.

Step 5 — Select the coverage option that fits your needs

If you choose to apply, your advisor will help you submit an application to the issuing carrier. The carrier — not Legacy Shield Coverage — makes the final underwriting decision and issues the policy.

Important Things to Know

Approval is not guaranteed. All applications are subject to the issuing carrier's underwriting review.
Products vary by carrier. Not every product is offered by every carrier or in every state.
Underwriting applies. Health questions, prescription history, and other verification may be required depending on the policy.
Rates vary by applicant. Premiums depend on age, gender, health, tobacco use, state, policy type, and face amount.
Speaking with an advisor is free. There is no obligation to apply or purchase coverage.

Independent marketplace. Legacy Shield Coverage is not an insurance carrier and is not affiliated with or endorsed by any government agency. We help consumers compare coverage options through licensed insurance professionals appointed with multiple carriers across all 50 U.S. states.

Talk with a licensed advisor

Have questions about your options? Speak with a licensed insurance professional. No obligation.

Call 866-638-3618

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.

A transparent 5-step process