🟦 Section 1: Who We Are & What We Offer
Q: What is Legacy Agent?
A: Legacy Agent is an independent life insurance agency that helps people protect their families through Final Expense, Mortgage Protection, and other simple life insurance solutions. We also mentor and support agents looking to build a rewarding career in insurance — without hype, fluff, or MLM pressure.
Q: Are you part of an IMO?
A: No, Legacy Agent operates independently. That means we’re not tied to one marketing group or downline structure. We contract directly with top carriers and give our agents more freedom, support, and higher compensation.
Q: What is an IMO?
A: An IMO (Independent Marketing Organization) is a middle layer between insurance carriers and agents. Many IMOs take overrides or lock agents into downline structures. At Legacy, we’ve removed that layer to give agents more freedom and a higher cut.
Q: What products do Legacy agents sell?
A: Most of our agents focus on Final Expense and Mortgage Protection. Some also branch into Term Life, IULs, and simple annuities — depending on their market. We don’t push one-size-fits-all sales. We train you on what works best for your clients.
Q: Do I need to learn all of those products right away?
A: Not at all. Most agents start with one — usually Final Expense — and add others as they gain confidence. We’ll help you focus on one track that fits your market and sales style.
Q: Do you only do Final Expense and Mortgage Protection?
A: Those are our core specialties, but we also help agents who want to grow into advanced markets like IULs and retirement planning — once they’re ready. We believe in earning trust before offering more complex products.
Q: Can I work remotely?
A: Yes, most Legacy agents work 100% remotely, especially in the Final Expense and Mortgage Protection markets. You can sell by phone from anywhere you’re licensed. We also support hybrid and in-person models for those who prefer that style.
Q: What does “hybrid” mean?
A: Hybrid means you mostly work by phone or Zoom, but occasionally meet with clients in person — like to deliver a policy, drop off paperwork, or build trust locally. It’s flexible and up to you.
Q: What states can I work in?
A: You can sell in any state where you hold a valid life insurance license. Many agents start in one state and expand into others as they grow.
Q: Do I need to be licensed in multiple states?
A: No. You only need one state to start. You can add more later if you want to expand or if leads are stronger elsewhere.
🟦 Section 2: Joining Legacy
Q: Does it cost anything to join Legacy?
A: No. There are no fees to join Legacy Agent. We don’t charge for access to our training, mentorship, or quoting tools. You only pay for your own leads and CRM if you choose to use them — and we help you keep those costs low.
Q: Why don’t you charge a join fee like other agencies?
A: Because we believe in earning your trust and success first — not charging up front. We don’t make money unless you do.
Q: Do I have to sign a contract to work with Legacy?
A: You’ll complete contracting paperwork with the carriers we offer, but Legacy doesn’t lock you into any exclusive agreement. You’re free to build your business the way you want — and if you ever decide to leave, we won’t hold you back.
Q: What if I already have contracts with other agencies?
A: In most cases, we can still help — either by adding new carriers or helping you request a release if needed. We’ll walk you through it without pressure.
Q: Is there a monthly fee?
A: Nope. We don’t believe in “agent subscriptions.” The only optional cost is if you want to use our CRM or automation tools, but you can run your business without them too. Many agents start free and upgrade later.
Q: What if I want to use the CRM later — can I add it?
A: Yes, you can activate it anytime. It’s free your first 30 days and stays free if you write two paid apps/month. Otherwise, it’s just $15/month.
Q: How do I get started?
A: Just click “Get Started” at the top of our site and fill out the short form. Once submitted, we’ll send you your onboarding link so you can begin the carrier contracting process and access the agent portal.
Q: How long does onboarding take?
A: Most agents are fully contracted and ready to sell within 7–10 business days, depending on the carrier.
Q: What if I’m not licensed yet?
A: No problem! We’ll point you to discounted pre-licensing courses and help you understand what the process looks like. You can start learning now, get licensed in a few weeks, and be ready to hit the ground running.
Q: How long does it take to get licensed?
A: Most people complete their course and pass the state exam in 2–3 weeks. We’ll guide you through each step.
Q: Do you help with pre-licensing?
A: Yes, we offer a discount link for pre-licensing courses through one of the top providers in the country. And once you’re studying, we can still guide you on what to expect after your license is approved.
Q: Can I do this part-time at first?
A: Absolutely. Many agents start part-time while keeping their current job. You can scale up as you build confidence, skills, and income.
Q: Will I be penalized for working part-time?
A: Not at all. You won’t lose access to any tools or training. Whether you work 5 hours or 50, we’re here to help you succeed.
🟦 Section 3: Tools & Support
Q: Do you provide leads?
A: We don’t sell leads directly, but we connect you to vetted lead vendors who work well with our system. You choose the type and budget, and we show you how to get the most out of them.
Q: Can I choose my own lead vendor?
A: Yes. We’re flexible. If you already have a lead source you like, you’re welcome to use it — we’ll still support your process.
Q: Do I get access to a CRM?
A: Yes — our in-house CRM is available to all agents. It’s free for the first 30 days, and then free ongoing with just two paid applications per month. It helps you track leads, follow up, and stay organized.
Q: Do I have to use your CRM?
A: No. You’re free to use your own system. But most agents prefer ours because it’s built specifically for Legacy and Final Expense/Mortgage Protection workflows.
Q: What kind of training do you offer?
A: Our training is field-tested, not fluff. You’ll get presentation walkthroughs, objection-handling scripts, recorded roleplays, and real advice from agents who’ve sold thousands of policies — not just theory.
Q: Is the training live or recorded?
A: Both. We offer video training that you can watch anytime, and we also host live Zoom sessions and one-on-one mentoring.
Q: Will I have a mentor or manager?
A: Yes — every agent who joins Legacy gets one-on-one mentorship. Whether you’re just starting out or restarting after a rough patch, you’ll have direct access to someone who’s walked the path already.
Q: Is my mentor paid to help me, or do they benefit only if I produce?
A: Both — your mentor is there to support you because your success helps them too. But we only assign mentors who actually care and stay active.
Q: Is this more hands-on or self-guided?
A: It’s both. You’ll have on-demand resources to study at your pace, but also live mentorship when you need help. We don’t believe in leaving agents to figure it out alone.
Q: Do you offer Zoom calls or team chats?
A: We offer Zoom trainings and optional group threads for Q&A and accountability. But we keep it professional — no hype-fests or pressure-pitch calls.
🟦 Section 4: Compensation & Growth
Q: How much can I earn?
A: That depends on your effort and consistency. Most agents earn $500–$900 per sale and can scale up to multiple sales per week. Top agents earn six figures annually — but they built up to that level with time and work.
Q: Is this commission-only?
A: Yes, but with the right leads and support, it offers strong income potential. We help you ramp up quickly and control your income.
Q: What are the commission levels?
A: Our starting comp is highly competitive — well above most captive agencies. You can grow your comp level based on personal production, and we also reward team builders with overrides.
Q: How often do comp increases happen?
A: Typically, we review comp levels every few months based on your production. You’ll know exactly what to aim for.
Q: Can I build a team if I want to?
A: Yes — once you’ve built a solid foundation, you’re free to recruit and mentor other agents. We have a structure in place to help you do that ethically and profitably, but it’s optional — not required.
Q: Do you offer overrides?
A: Yes, you’ll receive override commissions on any agents you personally bring on and help produce. You can grow this over time as you build your team.
Q: Do I need to hit a certain rank to earn overrides?
A: No. As soon as your agent is writing business, you’re earning overrides — no fancy rank or downline tricks required.
Q: How do I grow my business here?
A: Through consistency, skill-building, and smart support. We’ll help you focus on lead flow, appointment setting, presentation confidence, and client service. That’s the formula that works — no gimmicks needed.
🟦 Marketing, Branding & Long-Term Growth
Q: Does Legacy Agent provide marketing and branding support?
A: Absolutely. Legacy equips its agents with a suite of real-world marketing tools. That includes access to proven strategies, branding support, and partner-built tools like consumer-facing quote pages, business-page setup, and social media content. Once you’re contracted, you’ll get access to our full marketing hub with templates, weekly post ideas, referral-building tips, and more — all built for real agents in the field.
Q: Is this just social media stuff or more than that?
A: It’s much more than just social posts. Our marketing section covers local outreach, referral scripts, brand-building, and how to generate leads beyond vendor lists — all proven in the field and designed to help you build long-term momentum.
🟦 Section: What Makes Legacy Different
Q: Is Legacy Agent an MLM?
A: No. We don’t operate like an MLM. At Legacy, you’re not required to recruit, attend hype calls, or build a team to earn high commissions. You’re paid directly for the business you write — period.
Q: Can I recruit if I want to?
A: Yes — we support team builders, but it’s always optional. You’ll never be pressured to recruit. You can stay 100% focused on personal production if that’s your goal.
Q: How is Legacy different from other agencies I’ve looked at?
A: We don’t do fluff. We focus on mentoring, real training, and proven systems — not “rah-rah” meetings. You’ll get direct access to the tools, scripts, and strategies that actually work, not some pre-packaged sales pitch.
Q: So there are no Zoom “pump-up” meetings or sales rallies?
A: None. You’ll never be asked to attend a hype call. We focus on training that respects your time and actually helps you sell.
Q: Is Legacy Agent an MLM?
A: No. We don’t operate like an MLM. At Legacy, you’re not required to recruit, attend hype calls, or build a team to earn high commissions. You’re paid directly for the business you write — period.
Q: What’s the difference between an MLM and a real agency?
A: MLMs often prioritize recruiting over production, require you to buy leads or training from them, and pay you tiny commissions unless you build a big downline. Legacy is a true sales-first agency — no forced recruiting, and comp starts high.
Q: Can I recruit if I want to?
A: Yes — we support team builders, but it’s always optional. You’ll never be pressured to recruit. You can stay 100% focused on personal production if that’s your goal.
Q: Do I have to hit a quota before I can start recruiting?
A: No. Once you're producing consistently, you’re welcome to bring others on board. We’ll help you get your overrides and show you how to lead effectively.
Q: How is Legacy different from other agencies I’ve looked at?
A: We don’t do fluff. We focus on mentoring, real training, and proven systems — not “rah-rah” meetings. You’ll get direct access to the tools, scripts, and strategies that actually work, not some pre-packaged sales pitch.
Q: What kind of “fluff” do other agencies push?
A: A lot of them focus on hype calls, paid conferences, overpriced training packages, or long videos with little actual sales training. Legacy skips that and gives you practical help from day one.
Q: Will I be locked into your agency if I join?
A: Nope. We don’t believe in handcuffing agents. You can leave anytime, keep your commissions, and take your experience with you.
Q: Do I need a release if I want to move my contracts?
A: Only if you’re within a lockout period with a specific carrier. But Legacy doesn’t hold back releases — we make it easy if you decide to move on.
Q: Will I lose access to carriers if I leave?
A: Not at all. You’ll keep your carrier appointments unless you’re assigned LOA (which we only use if requested). Legacy is built for agent independence, not control.
Q: What’s LOA mean?
A: LOA (Licensed-Only Agent) means the agency is paid your commission and then pays you. Independent means you’re paid directly by the carrier. Legacy lets most agents choose independent.
🟦 Section: Red Flags in the Industry
Q: I’ve been burned before by other agencies — how is this different?
A: Legacy was built by someone who saw those same problems: lock-ins, useless training, fluff culture, and upline ghosting. We flipped the model by focusing on ethical contracts, useful tools, and direct access to a real mentor.
Q: What if I don’t trust anyone in this industry anymore?
A: That’s understandable. The best way to move forward is with a clear agreement, honest expectations, and no long-term commitment — and that’s exactly how we do it at Legacy.
Q: I don’t want to join another “family”-style agency — is this professional?
A: Yes. Legacy is a professional sales organization, not a cult or “bro culture.” We value autonomy, real-world training, and treating agents like adults — not like followers.
Q: Do you have to go to conferences or events?
A: No. We don’t require — or even host — any live events, paid conferences, or in-person rallies. All our training and mentorship is done online or over the phone, at your pace.
Q: Can I attend events if I want to?
A: Sure. If there are public training summits hosted by carriers or national trainers, we’ll let you know — but nothing is mandatory or part of your success path.
🟦 Section: Getting Paid & Promoted
Q: How do I get paid as a Legacy agent?
A: You’re paid directly by the carrier. Once you submit and place a policy, the carrier deposits your commission into your bank account — no middleman, no delay.
Q: Who sets up my payment info with the carrier?
A: During onboarding, you’ll submit direct deposit details through our contracting system, and we’ll make sure it’s connected with each carrier.
Q: How fast do I get paid?
A: Some carriers pay within 24–48 hours of approval. Most pay weekly. It depends on how fast you submit clean applications.
Q: What’s a clean app?
A: A clean app is a fully completed, accurate application with no missing fields, signatures, or errors. We’ll show you how to do this from day one.
Q: Are there chargebacks?
A: Yes — like all insurance sales. If a client cancels early or doesn’t pay, the carrier may deduct part of your commission. We teach you how to avoid this with the right placements and follow-up.
Q: How do I avoid chargebacks?
A: Make sure the product fits the client, review banking and billing details clearly, and build strong client trust. We’ll help you do all of that.
Q: How do I increase my comp level?
A: Just write business consistently. We review production every few months and bump up your contract level based on volume — no politics, no gimmicks.
Q: Can my comp level ever go down?
A: No. Once you earn a higher comp level, you keep it — even if your volume dips temporarily.
Q: Do I have to be a manager or hit a “rank” to move up?
A: No titles or ranks are required. You don’t need to manage anyone or build a team to grow — just write business and we’ll move you up.
🟦 Section: Support, Training, and Daily Life
Q: Who do I contact if I need help?
A: You’ll be paired with a real mentor who answers your calls — not some call center or support ticket system. We also have optional agent chat threads and weekly check-ins.
Q: Can I reach out anytime?
A: Yes, within reason. We encourage agents to text, email, or book a call when they’re stuck — especially early on.
Q: What’s a typical day like for a Legacy agent?
A: Most agents call leads for 1–3 hours, hold 2–4 presentations a day, follow up with previous contacts, and submit business online. You choose your hours — full-time or part-time.
Q: What if I can’t book any appointments?
A: We’ll review your script, help you with lead strategy, and show you how to fill your calendar. You’ll never be left guessing.
Q: Will I have to cold call random numbers?
A: No. You’ll work warm leads — people who requested insurance info. No purchased phonebook data or cold lists.
Q: What’s a warm lead?
A: A warm lead is someone who filled out a form (online, mail, or Facebook) requesting life insurance info — not just someone “in the area.”
Q: Do I have to do door-knocking?
A: Nope. Most of our agents sell remotely over the phone. If you prefer local, face-to-face sales, that’s fine too — but it’s not required.
Q: What if I struggle with closing?
A: That’s normal at first. We’ll work with you on your presentation, tone, and objection handling — and even offer feedback sessions to practice.
Q: Do you have a script I can follow?
A: Yes — we provide proven scripts for Final Expense and Mortgage Protection, including recorded examples and adjustments for lead type.
Q: Is this better for introverts or extroverts?
A: Both can thrive. Introverts often excel at listening and building trust. Extroverts bring energy. What matters most is consistency and follow-through.
Q: Do I need prior sales experience?
A: Not at all. Many of our best agents came from non-sales jobs — nursing, construction, ministry, and education. We train you step-by-step.
Q: What if I’ve never talked to a client before?
A: We’ll guide you through your first few calls, give you scripts, and help you build confidence fast.
Q: Is there a team group chat or Slack channel?
A: We offer optional group chats for questions, support, and encouragement. No spam, no pressure, just a place to connect with other agents.
Q: What if I have another job — can I still do this?
A: Yes. Many agents start part-time and scale up. You can run leads on evenings, weekends, or during lunch breaks — whatever fits your schedule.
Q: How much time do I need to put in each week to see results?
A: Ideally 10–15 hours/week to start. If you’re focused and consistent, even that can produce real results quickly.
🟦 Section: Getting Started – Step by Step
Q: What’s the first step to join Legacy Agent?
A: Just click “Get Started” on our website and fill out the short form. We’ll send you your onboarding link where you can begin your carrier contracting.
Q: Do I need to talk to someone before joining?
A: Nope — but if you’d like to talk first, we’re happy to schedule a call. Otherwise, the online form is the fastest path to get started.
Q: How long does onboarding take?
A: Most agents complete onboarding and are ready to submit applications within 7–10 business days, depending on how quickly carriers process their paperwork.
Q: Do I have to wait for all carriers before I start selling?
A: No — as soon as you’re appointed with one or two carriers, you can begin writing business while the others are pending.
Q: What do I need to submit during onboarding?
A: Basic info like your license, E&O certificate, AML training, and a voided check for direct deposit. If you’re brand new, we’ll walk you through each item.
Q: What if I don’t have E&O yet?
A: No problem — we’ll give you a link to get discounted coverage as part of the process.
🟦 Section: Pre-Licensing Questions
Q: I’m not licensed yet. Can I still join?
A: Absolutely. We’ll send you our discounted pre-licensing course link and help you understand what’s required in your state.
Q: How long does it take to get licensed?
A: Most agents finish their course in 1–2 weeks, schedule the state exam, and are licensed within 2–4 weeks total.
Q: What does pre-licensing involve?
A: You’ll complete an online course, pass the practice tests, and take your state’s licensing exam at a testing center or online. We’ll help guide you every step of the way.
Q: Can I study on my own schedule?
A: Yes — the course is self-paced and works great for people with jobs, kids, or busy lives.
Q: How much does it cost to get licensed?
A: Pre-licensing typically runs $50–$100 with our discount, plus a state exam fee ($40–$70) and license application ($30–$100 depending on the state). It’s a small investment with big potential.
🟦 Section: Leads – What to Expect
Q: Do I have to buy leads to work at Legacy?
A: You’re not required to, but most agents use leads to grow faster. We help you find affordable, vetted vendors — no markups or internal upsells.
Q: Can I pick my own budget?
A: Yes — whether it’s $50 or $500/week, we’ll help you match your budget to the best lead type for your market and product focus.
Q: What kinds of leads do you recommend?
A: Most new agents start with Final Expense or Mortgage Protection leads (Facebook or direct mail). You can choose fresh, aged, call-in, or warm transfer — we’ll explain the pros and cons of each.
Q: Are leads exclusive?
A: Some are, some aren’t. We help you decide based on cost and intent level. You’ll also learn how to beat the competition even on shared leads with better scripts and speed.
Q: How many leads do I need each week?
A: It depends on your availability and skill. We recommend starting with at least 15–20 leads/week if you want 3–5 good appointments.
Q: What if I’ve bought leads before and got burned?
A: We understand. That’s why we don’t sell our own leads — we connect you to trusted vendors and teach you how to vet and work them profitably. We focus on return, not just volume.
Q: Does Legacy offer marketing help beyond just leads?
A: Yes — and that’s one of the things that sets us apart. While most agencies focus only on dialing leads, Legacy also teaches agents how to build organic marketing strategies through social media, local branding, and referral generation. Once contracted, you’ll get access to a dedicated Marketing page inside the agent portal with ready-to-use templates and training.
Q: Can I build my business without relying 100% on buying leads?
A: Absolutely. Many agents start with leads to get off the ground, then shift into warm referrals, personal branding, or local outreach using the methods we teach. We believe in empowering agents to build lasting, scalable businesses — not just chase the next lead drop.
🟦 Section: Objections, Fear & Mindset
Q: What if I don’t feel confident selling yet?
A: You’re not alone — that’s exactly why we offer scripts, presentation flow guides, recorded roleplays, and mentorship. Confidence comes from preparation.
Q: Will someone listen to my first calls or presentations?
A: Yes — we offer feedback sessions where you can roleplay or review your recordings and get real coaching.
Q: What if I freeze up on the phone?
A: That’s normal at first. Our script keeps it simple and conversational. Plus, we’ll help you reframe the call so it doesn’t feel like “sales.”
Q: What if I’m not a natural closer?
A: You don’t have to be. Most sales happen through listening, asking the right questions, and explaining coverage clearly. We’ll show you how to lead people to the right decision — no pushy tactics.
Q: What if I try this and fail?
A: Failing usually comes from guessing instead of following a system. We give you the tools and walk with you through your first few sales — but success ultimately comes down to consistent effort.
🟦 Section: Culture Fit – Who Is This For?
Q: Who does best at Legacy?
A: People who are coachable, consistent, and want to build something real. You don’t need to be a top closer or a natural-born salesperson — just someone willing to learn and put in the work.
Q: Do I need to be full-time to succeed?
A: Not at all. Many agents start part-time and grow from there. Consistency matters more than hours.
Q: Who is Legacy not a good fit for?
A: If you’re looking for get-rich-quick, hype-driven MLMs, or don’t want to work your own leads, Legacy probably isn’t the best fit. We’re here for real agents building a long-term business.
Q: Do I need to attend daily calls or stay “plugged in”?
A: No. You get access to training and mentorship, but your time is your own. There are no daily mandatory calls, huddles, or Zoom cults.
Q: Can I switch focus later (e.g., from Final Expense to IUL)?
A: Yes. You can start with one product and expand your focus as you grow. We’ll support your development into higher-level markets when you’re ready.
