Independent health & life brokerage · 25 A Rated carriers
You didn't choose most of your coverage.It was handed to you.
A plan picked in a hurry. Coverage sized around a life you were living years ago. We look at what you actually have, tell you straight whether it still fits, and show you what else is out there, across 25 A Rated carriers.
No obligation · No pressure · We do not sell your information
Get your free quote
Six fields, about a minute. We come back with what is actually available where you live.
How this works
We do the shopping. You keep the decision.
Buying your own coverage means comparing plans from carriers that all describe themselves the same way, with the differences that matter buried in a document nobody reads. That is the actual job, and it is the part we do.
You get one conversation instead of six browser tabs, an honest comparison of what is available where you live, and someone to call when a claim gets complicated. It costs you nothing — carriers pay brokers, and plan pricing is filed with the state either way.
What we place
Health and life, under one roof
Most people arrive about one of these and end up sorting out both. What you can actually get, and what it costs, comes down to your age, your health and your ZIP code.
Health coverage, without the guesswork.
What is available to you comes down to your county, your household income and who your doctors are. We check all three before we show you anything.
“We tell you which category a plan is in before we tell you the price.”
Coverage options
- ACA & marketplace plans
- Guaranteed issue, no medical underwriting, subsidies if your household qualifies.
- Short term & multi-year medical
- Underwritten, and often far cheaper for healthy households paying full price.
- Hospital & fixed indemnity
- Cash benefits that land in the gap a high deductible leaves behind.
- Accident & critical illness
- Lump sums for when something happens and the income usually stops.
- Dental & vision
- Rarely included in an adult health plan. Modest premium, predictable use.
- Small group & team coverage
- For owners covering themselves and a handful of people.
Life coverage, sized to your actual life.
Most people are either carrying a policy from a decade ago or nothing at all. We work out what your household would need if the income stopped, then find the cheapest honest way to cover it.
“If what you have already fits, we will tell you to keep it.”
Coverage options
- Term life
- The most coverage per dollar, for the years your household still needs it.
- Whole life
- Permanent, with a guaranteed cash value schedule. The vehicle behind banking strategies.
- Indexed universal life
- Flexible premium, index-linked crediting, a floor and a cap.
- Final expense
- Smaller face amounts and simplified underwriting, built to cover what is left behind.
- Business & key person
- Buy-sell funding, key person cover and retention plans for small teams.
- Annuities & guaranteed income
- Turning part of a balance into income that does not run out.
Not every product listed is major medical coverage. Short term, indemnity and supplemental plans do not satisfy the requirements that apply to comprehensive health insurance, and we will always tell you which category a plan falls into before anything else about it.
Who we place with
25 A Rated carriers behind your coverage
Being independent means we compare across all of them rather than selling one company's products. Availability varies by state and by product.
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Carrier names and logos are the property of their respective owners and are shown to indicate appointments held. Their appearance here is not an endorsement by those carriers. Carrier financial strength ratings are assigned by independent rating agencies, are subject to change at any time, and reflect an insurer's ability to meet its obligations rather than the suitability or performance of any product. Product and plan availability varies by state, county and product line.
Consult a
Legacy Strategies broker
There is no version of this where a website tells you what to buy. What it can do is get you to a licensed person who will look at your household — your age, your health, your ZIP code, what you already have — and tell you plainly what is available and what the trade-offs are.
That conversation costs you nothing and comes with no obligation. Most of them end with a straight answer, and some of them end with us telling you to keep what you have.
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Why us
Three things you can hold us to
Insurance earned its reputation honestly, and most of it came from people who lead with a product because they need a sale. Here is how we work instead.
We will tell you to keep what you have
Plenty of reviews end with nothing to sell. If your plan already fits, that is the answer, and it costs you fifteen minutes to hear it.
Plain language, including the bad parts
What a plan does not cover matters more than what it does. You hear both before you decide anything.
Independent, so the plan can lead
Not captive to one company. The design comes first and the carrier follows, rather than the other way round.
What clients say
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Where to start
Three ways in, depending on what you need
Coverage review
Fifteen minutes on what you have now — premium, deductible, network, prescriptions — and whether it still fits.
Book a reviewQuote and compare
What is actually available in your county, side by side, with the trade-offs named rather than buried.
Get a quoteFinancial Legacy Strategy
The fuller picture when you want it — income, savings, debt, retirement accounts and existing coverage in one place.
See the processAcross the USA
Licensed and writing business coast to coast
25
A Rated carrier appointments
Client numbers
Add families served and policies placed once those numbers are real and yours. Borrowed agency statistics are the fastest way to lose a prospect who checks.
The process
Three steps, and the first one takes a minute
Tell us the basics
Six fields, about a minute. Your state, and what you are trying to sort out.
We do the digging
What is available where you live, checked against your doctors and your prescriptions.
You decide
Options side by side, no fee to you, and no pressure if the answer is to stay put.
What does this cost me?
What if my current plan is fine?
Which states can you work in?
Are you an insurance company?
When can I change health plans?
Do you sell my information?
Get started
Start with the quote. Decide after.
Six fields and about a minute. We come back with what is available where you live, what it actually covers, and whether it beats what you already have. If it does not, we will say so.