Term life insurance
For families with children, a mortgage or income to replace
- Large coverage amounts at the lowest monthly cost
- 10, 15, 20 or 30-year terms with a locked rate
- Often convertible to permanent coverage later
Life insurance that fits your family and your budget
An independent licensed agent in Metro Atlanta compares multiple carriers for you, so you get real options for term life, mortgage protection and final expense, including plans with no medical exam.
- Quotes from multiple carriers, not just one company
- Diabetes, high blood pressure and other conditions are often insurable
- Licensed in 8 states, with help by phone, text or video
Get contacted by an agent
Prefer personal guidance? Leave your details and a licensed agent will follow up, usually within one business day.
Prefer to talk now? Call or text (770) 750-5351
Choose what you want to protect
Most families start with one of these three. Not sure which fits? Answer a few questions and we'll point you in the right direction.
Mortgage protection
For homeowners who want the house to stay in the family
- Coverage sized to your mortgage balance
- The benefit goes to your family, not the lender
- Living-benefit riders available with many carriers
Final expense
For adults 50 to 85 planning funeral and end-of-life costs
- $5,000 to $25,000 of permanent whole life coverage
- Simplified and guaranteed issue options, no exam
- Guaranteed issue plans usually have a two-year graded benefit
Other coverage we help with
How it works
From first question to active coverage, usually in days, not weeks.
Tell us what you need
A short form or a quick call: age, state, health basics and what you want to protect.
We compare carriers
Your profile is checked against the underwriting rules of multiple carriers, so you see the options that fit.
Review your options
A licensed agent walks you through prices and trade-offs in plain language. No pressure to decide.
Apply and get covered
Apply by phone or online. Many plans need no medical exam, and we stay with you after you buy.
Start from your situation
Plain-English answers for the most common reasons people put this off.
I have a health condition
Diabetes, heart history, high blood pressure. Here is how carriers look at it and which ones tend to be friendlier.
I'm over 60
Final expense, whole life and simplified issue options that fit a fixed income.
I'm self-employed
No group plan at work means your own policy is your family's only safety net.
I've been declined before
A decline from one carrier is not the final word. What actually disqualifies you, and what doesn't.
I don't want a medical exam
Simplified and guaranteed issue plans skip the blood draw and nurse visit.
I'm buying for a parent
What adult children should know about covering a parent over 50.
Who you'll work with
Legacy Protection Co is the business name of an independent licensed life and health insurance agent based in Metro Atlanta. You deal with one person from first call to claim, by phone, text, email or video.
- GA #3148943
- FL #G362454
- MI #22213226
- OH #1743267
- SC #22213226
- TN #3004236064
- TX #3497544
- VA #1586847
- An independent licensed agent, not a call center
- We compare multiple carriers
- No-exam options and help with health conditions
- No cost and no obligation to get a quote
- Help after you buy: reviews, beneficiary changes and claims questions
Common questions
How much does life insurance cost?
It depends on your age, health, tobacco use, the amount and the term. Many healthy adults in their 30s and 40s pay roughly $20 to $60 a month for term life. A quote with your details is the only way to know your real price, and it's free.
Can I get covered with health problems?
Often, yes. Conditions like diabetes, high blood pressure and high cholesterol are commonly insured, sometimes at a higher (rated) premium. Because carriers judge health differently, comparing several is what makes the difference.
Do I need a medical exam?
Not always. Simplified issue plans use a health questionnaire and database checks instead of an exam. Guaranteed issue plans ask no health questions but cover smaller amounts and usually pay a limited benefit in the first two years.
Is the coverage I have through work enough?
Usually not on its own. Work coverage is often one or two times your salary and typically ends when you leave the job. A personal policy stays with you and can be sized to what your family actually needs.
What's the difference between mortgage protection and term life?
Mortgage protection is usually a term life policy sized to your mortgage. Unlike lender-sold mortgage insurance, the benefit is paid to your family, who decide how to use it. Read the full comparison.
Is there any cost or obligation for a quote?
No. The quote and the conversation are free, and you decide if and when to apply.
Free guides
Written for Georgia families. No jargon and no sales pitch.
See what coverage would cost you
Tell us a little about yourself and a licensed agent will compare carriers and walk you through real options, in plain language, with no pressure.
- Free, no-obligation quote
- multiple carriers compared
- Answers usually within one business day
Get contacted by an agent
Prefer personal guidance? Leave your details and a licensed agent will follow up, usually within one business day.
Prefer to talk now? Call or text (770) 750-5351
Interested in a career helping families? Learn about becoming an agent.