Email: quote@legacyessentialsinsurance.com

Welcome To Legacy Essentials Insurance & Financial Group

**To Ensure YOUR Legacy Is Protected**

We Provide:

Life Insurance
Small Business
Accidental Death
Medicare

Mortgage Protection
Final Expense
Living Benefits
Annuities

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The Top Three Reasons Why Individuals and Families Purchase Life Insurance are:

Replace Lost Income from a Wage Earner

Your loved ones depend on your income to meet daily needs for food, medical care, utilities, car payments and much more. There are also future costs like a child’s college education or contributions you would have made toward a surviving spouse’s retirement. If you pass away without a means for replacing your income, their standard of living could be in serious jeopardy. If you have young children, there may be childcare costs or home upkeep expenses to consider if your spouse needs to return to work.

Coverage for Burial and Final Expenses

Final expenses refer to any expenses related to someone’s passing. This can include a casket, funeral, preparations, memorial service, cremation and more. Life insurance for final expenses is worth considering—after all, the National Funeral Directors Association reports that the median price of a funeral with a casket is more than $9,000. Final Expense policies are easier to qualify for with no medical exam.

Transfer Wealth or Leave an Inheritance

Life insurance can play a significant role in your long-term financial planning, as well as your estate planning. After decades of working hard and saving for retirement, some people may want to be able to preserve the wealth they have created over the years. Securing the right policy ensure if you experience an unexpected chronic, terminal, or critical illness your lifestyle won’t be wiped out by the unexpected and you will have the ability to retain all you’ve worked so hard to create.

Multiple Top A+ Rated Carriers has its Advantages

You don't have one product to choose from. We customize your covage to fit the needs of you and your family.

Types of Insurance

Whether you’re just starting out or getting ready to retire, a life insurance policy can help you give your family financial peace of mind if you are no longer there to provide for them.

WHAT IS TERM LIFE INSURANCE?

A term life insurance policy offers affordable, straightforward protection that lasts a defined period.

WHAT IS UNIVERSAL LIFE INSURANCE?

A universal life insurance policy offers flexible protection that can last a lifetime and include various cash accumulation options.

WHAT IS WHOLE LIFE INSURANCE?

A whole life (permanent) insurance policy offers predictable lifelong protection with most guarantees, including a fixed premium and death benefit.

WHAT IS MORTGAGE PROTECTION?

Your home may be the most valuable asset you will own, so protecting it for yourself and your family could be one of the best decisions you make.

WHAT IS FINAL EXPENSE?

A final expense policy takes the stress and burden off of you and your loved ones by covering all funeral-related expenses that you may incur.

WHAT IS MEDICARE?

Medicare is a federal health insurance for people 65 or older, some younger people with disabilities and individuals with End-Stage Renal Disease.

WHAT IS AN ANNUITY?

Annuities are insurance contracts that make regular payments to you either immediately or at some point in the future.

ACCIDENTAL DEATH

Accidents, or unintentional injuries are the fourth leading cause of death in the US overall, and the leading cause of death through age 44.

WHAT ARE LIVING BENEFITS?

If you are diagnosed with a critical, chronic, or terminal illness, Living Benefits Riders may provide access to an early (accelerated) payout of the policy death benefits.