Qualification Check

Find Out If You Qualify — Right Now

Our AI-powered qualification tool reviews your health profile, mortgage situation, and coverage goals — then matches you to the right carriers and plan type. Free, private, no obligation.

Takes under 3 minutes
Works with most health conditions
Instant carrier match — no waiting
Your data is never sold or shared
AI Qualification · Legacy Protection Co
Reviewing your profile…

Private · Secure · No obligation

Three Types of Protection We Help Families Secure

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Mortgage Protection

A life insurance policy specifically designed to pay off or cover your remaining mortgage if you pass away unexpectedly — keeping your family in their home.

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Term & Permanent Life

Flexible coverage from 10–30 year terms to whole life policies with cash value. Covers income replacement, children's education, and long-term family protection.

Final Expense

Simplified issue coverage for burial costs and end-of-life expenses. Most plans approve without a medical exam — ideal for those with health challenges.

We Shop Multiple Carriers to Find Your Best Rate

We're not tied to one company. We compare rates and underwriting guidelines across our carrier network so you get the best coverage at the lowest price for your specific health profile.

Mutual of Omaha
Best fit: Standard to Rated Risk

Industry leader for clients with diabetes, blood pressure, or other common conditions. Competitive rates and flexible underwriting.

Diabetes-friendlyFinal ExpenseTerm Life
Foresters Financial
Best fit: Preferred & Standard

Member-owned company with strong living benefits riders. Great for families who want built-in critical illness coverage.

Living BenefitsTerm LifeWhole Life
American Amicable
Best fit: Rated / High-Risk

Specializes in clients other carriers decline. Excellent for smokers, DUI history, or complex medical backgrounds.

SmokersHigh RiskMortgage Protection
Protective Life
Best fit: Preferred Health

Excellent rates for healthy individuals. One of the most competitive term life carriers in the country for preferred risk profiles.

PreferredBest RatesTerm
Americo
Best fit: Simplified Issue

Fast-approval policies with no medical exam required. Strong final expense and mortgage protection options.

No ExamFast ApprovalFinal Expense
North American Company
Best fit: Living Benefits Focus

Innovative living benefits riders that let you access death benefits while living if diagnosed with a critical illness.

Living BenefitsIULTerm

What People Ask Before Qualifying

Will my health conditions disqualify me?
Rarely outright. Conditions like diabetes, high blood pressure, and high cholesterol usually result in "rated" — not declined. We work with carriers who specialize in your profile.
I smoke. Can I still get coverage?
Yes. Smoker rates are higher, but coverage is available. American Amicable and Mutual of Omaha have competitive smoker underwriting. If you've quit, some carriers reclassify you after 12 months.
How does this differ from what my lender offers?
Lender-sold mortgage protection is typically tied to the bank and decreases in value as you pay down the mortgage. Our policies pay directly to your family — not the bank — and often cost less.
Is there a medical exam required?
Not always. Many of our carriers offer simplified issue or guaranteed issue plans that approve based on a short health questionnaire, not a paramedical exam.
How much does this typically cost?
For a healthy 35-year-old, a $300k 20-year term policy often runs $25–$45/month. Costs vary with age and health — the qualification tool above will give you a directional sense after your consultation.
Am I obligated if I complete the form?
Absolutely not. The qualifier just helps us understand your situation so your consultation is productive and specific — not generic. No commitment, ever.

Ready to Talk to a Real Person?

Tamika is a licensed agent in GA, TX, OH, and SC — and she'll walk you through your options personally.