Legacy Agent partners with respected insurance carriers across Final Expense, Mortgage Protection, DAP/IBC, retirement, business protection, and traditional life insurance markets.
Our goal is not to overwhelm agents with a long list of contracts. Our goal is to help agents understand where each carrier fits, how each product should be positioned,
and why business quality matters just as much as production volume.

Independent agents deserve flexibility, but flexibility works best when it is paired with guidance. That is why our carrier lineup is organized by market, sales process, and client need.

Final Expense can be an important market for agents who want to help families prepare for burial costs, final medical expenses, and other end-of-life needs. But it is also a market that requires discipline, clear client communication, and strong persistency.

Legacy supports Final Expense through a focused carrier approach. Rather than opening every Final Expense product to every agent immediately, we work to match agents with carriers that support responsible placement, premium collection, and long-term business quality.

This helps protect the client, the agent, and the agency from unnecessary lapses, chargebacks, and poorly placed business.

Baltimore Life is one of Legacy’s preferred carriers for Final Expense sales, especially because its commission release process better aligns with premium-paid business.

For Legacy agents, Baltimore Life supports a more disciplined Final Expense process focused on clear client communication, realistic premium expectations, persistency, and reducing unnecessary chargeback exposure.

Final Expense Sales: Remote/Face-to-Face
Premium-paid business
Controlled FE rollout
Persistency-focused sales
Agents using a disciplined remote process

CICA is another Final Expense carrier Legacy supports for agents working this market with a disciplined, client-focused process.

For Legacy agents, CICA provides an additional option while keeping the focus on responsible placement, clear premium expectations, client communication, and long-term persistency.

Final Expense Sales
Simplified client conversations
Guaranteed Issue conversations
Controlled FE rollout
Premium follow-up discipline
Persistency-focused sales

Mortgage Protection and family protection sales are built around helping clients protect their home, income, spouse, children, and long-term financial responsibilities. These conversations often involve term life, simplified issue coverage, living benefits, and in some cases permanent protection depending on the client’s age, health, and goals.

Legacy works with carriers that give agents practical options for protecting families while still focusing on suitable coverage, responsible placement, and long-term policy persistency.

Mutual of Omaha is a strong fit for agents working family protection and simplified issue life insurance. Their product lineup gives agents practical options for clients who need coverage for mortgage protection, final expenses, or general family protection.

Mutual of Omaha is often a helpful carrier when agents need recognizable brand strength, simple product positioning, and dependable underwriting options.

Mortgage Protection
Family Protection
Simplified Issue
Final Expense Support
Brand Recognition
Simple Issue IUL

Foresters can be a valuable carrier for agents working both family protection and simplified issue life insurance. Their product options may fit clients looking for term coverage, permanent protection, or coverage with additional member benefits.

Foresters is especially useful when the client needs flexible protection options and the agent wants a carrier with broader planning possibilities.

Mortgage Protection
Term Life
Permanent Life
Member Benefits
Family Protection

Americo gives agents several options for protection-focused sales, including products that may fit mortgage protection, simplified issue, and permanent life insurance conversations.

Americo can be a useful carrier when agents need flexibility in product design and underwriting, especially for clients who may not fit a traditional term-only solution.

Mortgage Protection
Simplified Issue
Permanent Protection
Flexible Product Design
Family Protection

Kansas City Life can be a strong fit for Mortgage Protection conversations, especially where simple term coverage and living benefit-style positioning are important.

This carrier may be useful for agents helping families protect a mortgage, income, or other major financial responsibilities with straightforward life insurance coverage.

Mortgage Protection
Term Life
Living Benefits
Income Protection
Family Coverage

United Home Life can be a practical option for simplified issue protection and clients who need a streamlined application process.

It may fit situations where the client needs coverage quickly, wants a simpler underwriting path, and may be ideal for hard to qualify clients.

Simplified Issue
Family Protection
Final Expense Support
Quick Decisions
Non-Med Options

SBLI may be a useful carrier for agents working term life and family protection cases where affordability and straightforward coverage are important.

It can fit clients looking to protect a mortgage, replace income, or provide financial security for their family.

Term Life
Mortgage Protection
Income Replacement
Family Protection
Affordable Coverage

Gerber Life can be useful for select protection cases, especially when agents need simple coverage options for families, children, or clients looking for smaller policy amounts.

It should be positioned as a situational carrier rather than a primary Mortgage Protection solution.

Juvenile Coverage
Family Protection
Smaller Policies
Simple Coverage for GI
Select Cases

Royal Neighbors can provide agents with additional options for simplified issue and protection-focused cases. It may be useful when the client needs accessible coverage and the agent is looking for an alternative fit.

This carrier works best when used selectively based on the client’s need, health profile, and product suitability.

Simplified Issue
Family Protection
Final Expense Support
Alternative Placement
Select Cases

American Amicable and Occidental can be useful carriers for agents working protection cases that require flexible product options and simplified underwriting paths.

They may fit certain Mortgage Protection, family protection, or supplemental coverage conversations when matched properly to the client.

Mortgage Protection
Simplified Issue
Family Protection
Supplemental Coverage
Flexible Placement

Transamerica can be a strong fit for agents working Mortgage Protection and family protection cases, especially where term coverage, living benefits, and permanent life options may be part of the conversation.

Their product lineup gives agents flexibility for clients who need income replacement, mortgage protection, final expense support, or long-term protection beyond a basic term policy.

Mortgage Protection
Term Life
Living Benefits
Family Protection
Permanent Coverage Options

Many carriers offer products that may fit more than one market. Legacy helps agents understand not only which carriers are available, but how those carriers should be used based on the client’s need, the product design, underwriting, and long-term policy quality.

DAP/IBC strategies are built around helping clients use permanent life insurance as part of a broader financial plan. These conversations may involve debt acceleration planning, cash value accumulation, retirement income planning, legacy planning, and long-term family protection.

Because these cases require proper structure and suitability, Legacy does not view every permanent life product as automatically fitting a DAP/IBC strategy. The right carrier depends on the client’s goals, funding ability, product design, and long-term planning needs.

Foresters can be a useful option in permanent life and DAP/IBC-style conversations when the client needs coverage that balances protection, flexibility, and long-term planning potential.

For Legacy agents, Foresters may fit cases where permanent coverage, family protection, and additional member benefits are part of the overall client conversation.

Permanent Life
DAP/IBC Support
Family Protection
Member Benefits
Legacy Planning

Ameritas can be a strong fit for permanent life insurance strategies where cash value growth, long-term planning, and product flexibility are important.

For Legacy agents, Ameritas may support DAP/IBC conversations when the client has the funding ability, planning need, and long-term commitment required for a properly structured permanent life strategy.

Mortgage Protection
Term Life
Permanent Life
Living Benefits
Family Protection

Lafayette Life is a strong permanent life carrier for agents working with clients who want long-term guarantees, cash value potential, and a traditional whole life foundation.

It may be especially useful in DAP/IBC-style planning where structure, consistency, and long-term policy performance matter.

Whole Life
DAP/IBC
Cash Value Planning
Long-Term Guarantees
Legacy Planning

Transamerica gives agents permanent life options that may fit clients looking for flexible protection, cash value potential, and long-term planning beyond basic term coverage.

For Legacy agents, Transamerica may support DAP/IBC and permanent coverage conversations when the product design matches the client’s goals, budget, and suitability.

Permanent Life
IUL Options
DAP/IBC Support
Family Protection
Flexible Planning

Mutual Trust can be a strong fit for clients who want traditional permanent life insurance with a focus on whole life, long-term value, and legacy planning.

This carrier may work well in cases where the client values stability, cash value development, and a conservative planning approach.

Whole Life
Cash Value Planning
Legacy Planning
Permanent Protection
Conservative Planning

North American can be useful for clients seeking indexed universal life solutions, cash value potential, and flexible long-term planning options.

For Legacy agents, North American may fit accumulation-focused cases, retirement income conversations, and permanent life strategies where flexibility is important.

IUL
Cash Value Growth
Retirement Planning
Permanent Life
Flexible Design

Nationwide provides permanent life options that may support protection, accumulation, and broader financial planning conversations.

It may be a useful fit for agents working with clients who want a recognized carrier, flexible product design, and long-term life insurance planning options.

Permanent Life
IUL Options
Retirement Planning
Legacy Planning
Brand Recognition

National Life Group and LSW can be useful for permanent life strategies involving living benefits, cash value potential, and long-term family protection.

For Legacy agents, this carrier may fit clients looking for flexible protection with planning options that extend beyond traditional term coverage.

Permanent Life
Living Benefits
IUL Options
Family Protection
Retirement Planning

Americo offers permanent life options that may fit select DAP/IBC, protection, and cash value planning conversations.

For Legacy agents, Americo can provide additional flexibility when the client needs permanent coverage and the product structure supports the overall planning goal.

Permanent Life
IUL Options
DAP/IBC Support
Flexible Design
Family Protection

The carriers listed above represent several of the primary options Legacy agents may use for DAP/IBC, permanent life, cash value planning, and long-term protection strategies. Additional carrier options may also be available depending on the client’s need, product type, underwriting fit, and planning objective.

Legacy agents may also have access to other respected carriers such as Banner Life, American National, American Equity, and Protective Life, along with additional carriers that may fit traditional protection, retirement, annuity, or advanced planning cases.

As with any DAP/IBC or permanent life strategy, the goal is not simply to choose a carrier. The goal is to match the right product design to the client’s financial picture, funding ability, and long-term objectives.

Retirement and income planning conversations often require a different approach than traditional life insurance protection. Clients may be looking for principal protection, conservative growth, predictable interest-crediting options, or ways to create future income they can count on.

Legacy works with carriers that may support fixed annuities, MYGAs, indexed annuities, retirement income planning, and select permanent life strategies when appropriate. The goal is to help agents match the right solution to the client’s stage of life, risk tolerance, income needs, and long-term objectives.

American Equity can be a strong fit for agents working with clients who want conservative retirement options, principal protection, and income-focused planning.

Their annuity solutions may be useful when the client is looking for stability, predictable growth potential, and alternatives to market-exposed retirement strategies.

Fixed Index Annuities
Retirement Income
Principal Protection
Conservative Growth
Income Planning

North American offers retirement and annuity solutions that may fit clients looking for accumulation potential, income options, and protection from direct market loss.

For Legacy agents, North American can be a useful carrier when the client wants a balance of growth opportunity, income planning, and long-term financial protection.

Fixed Index Annuities
Retirement Planning
Income Options
Principal Protection
Accumulation Potential

American National may be useful for clients who need annuity-focused retirement planning options, conservative accumulation, and income planning solutions.

For Legacy agents, American National can fit conversations where the client values stability, principal protection, tax-deferred growth potential, and predictable retirement planning strategies.

Fixed Annuities
Retirement Planning
Income Planning
Conservative Growth
Tax-Deferred Accumulation

Americo offers annuity options that may be useful for clients looking for conservative accumulation, principal protection, and predictable interest-crediting opportunities.

For Legacy agents, Americo may be worth reviewing when a client is looking at MYGA-style solutions or wants a simpler retirement planning option without direct market exposure.

MYGA Options
Fixed Annuities
Principal Protection
Conservative Growth
Retirement Planning

The carriers listed above represent several of the retirement and annuity options Legacy agents may use when helping clients with conservative growth, income planning, principal protection, and long-term financial strategies.

Legacy also has access to a broader annuity and permanent life marketplace, including access to over 52 annuity carriers and additional IUL and permanent life carriers depending on the client’s need, state availability, licensing, product approval, and carrier contracting requirements.

As with all retirement and income planning strategies, the goal is not simply to choose a product with an attractive rate. The goal is to understand the client’s financial picture, risk tolerance, income needs, liquidity concerns, and long-term objectives before recommending a solution.

Legacy Agent gives independent agents access to a broad carrier lineup, but the real value is knowing how to use those carriers properly. Whether you are focused on Final Expense, Mortgage Protection, DAP/IBC, retirement income, or broader life insurance planning, we help agents match the right product to the right client need.

If you are ready to grow with carrier access, market guidance, and a platform built to support independent agents, we would be glad to talk with you.