Mortgage protection with living benefits, retirement-grade IUL, hybrid long-term care, final expense, fixed annuities, and disability income protection — quoted across 20+ national carriers, explained by an AI concierge that never sleeps, and closed by a real licensed agent who does.
Quoting the nation's leading carriers, including
Every policy is shopped across the market and built around your budget — not a carrier's quota. Start with what you're protecting.
Pays off the house if you pass — and pays you if a critical illness like cancer, heart attack, or stroke stops your income.
Index-linked growth potential with protection from down years, tax-advantaged access in retirement — built for high earners and owner-operators with no 401(k) in the cab.
70% of us will need care after 65 — Medicare won't pay. Hybrids fix "use it or lose it": care benefits if you need them, a death benefit for family if you don't.
Simple whole life that covers funeral and end-of-life costs — so grief never comes with a bill attached.
Guaranteed rates with zero market risk — turning savings into tax-deferred growth or income that arrives like a paycheck for life.
Your ability to earn is your biggest asset. If illness or injury stops you from working, disability insurance replaces a portion of your income until you're back on your feet.
Sometimes the right answer is the simple one. We quote straightforward term and whole life across 20+ carriers — and tell you honestly which one your situation calls for.
Legacy AI is trained on every product we design — term vs. whole, living benefits, IUL mechanics, long-term care, what things cost, and who qualifies. Ask by typing or just talk to it.
Move the sliders and watch the number update live — no email, no phone number, no catch.
Estimates are illustrative ranges based on typical non-guaranteed industry pricing for healthy applicants and are not an offer of coverage or a quoted rate. Actual premiums and annuity rates are determined solely by carrier underwriting and current product offerings, and vary by state, health class, and carrier. Annuity and IUL projections use illustrative, non-guaranteed rates you select — IUL figures reflect a typical policy-cost band and are not a carrier illustration. Hybrid LTC and disability figures are broad planning ranges; actual pricing depends on health, occupation class, carrier, and state. Get exact figures on a free call.
Connor Herron is a licensed insurance producer (NPN 21556594) in the following 12 states:
Not in one of these states? Call us — we can often point you to a trusted licensed partner where you live.
Pick a time that works for you and Connor will call you directly — not a call center, not a script, just straight answers with your actual quotes on screen.
Usually not. Many carriers offer accelerated, no-exam underwriting — you answer health questions and most of our clients qualify without ever seeing a needle. Exams remain optional when they'd earn you a better rate.
Employer coverage is typically only 1–2x your salary and disappears when you change jobs. A personal policy is portable, sized to your real needs, and can carry living benefits your group plan doesn't.
Riders on qualifying policies that let you access part of your own death benefit while you're alive if you're diagnosed with a critical, chronic, or terminal illness. Terms vary by carrier and state — we review your policy's specifics line by line before you sign.
Nothing. Agents are compensated by carriers, and your premium is identical whether you buy through an agent or direct. The difference: you get an advocate who shops the whole market and answers the phone in year ten.
A common starting point is 10–12x your annual income, or the DIME method: Debt + Income replacement years + Mortgage balance + Education costs. Ask Legacy AI above for a quick estimate, or we'll run your exact number on the call.
Legacy AI answers from a knowledge base we wrote and reviewed — so it never guesses about your money. It doesn't store your conversation, and nothing is shared until you choose to book or call. For anything personal, it hands you to Connor, a licensed human.
Ask Legacy AI anything, take the 60-second fit check, or go straight to Connor's calendar. Whichever door you pick, you'll leave knowing exactly where your family stands.
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