Secure Your Family's Future

Protect Your Loved Ones and Assets with Reliable

Life Insurance Solutions

Our Mission

At Legacy 4 Life LLC, we are a financial services distributor dedicated to helping over 100,000 families realize their dreams. We focus on providing peace of mind by offering comprehensive life insurance coverage tailored to each family's unique needs.

Understanding Your Coverage

Crafting extraordinary possibilities tailored to your unique needs.

Term Life Insurance

Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.

Term Life Insurance

We offer permanent coverage and cash value growth linked to market indexes, providing upside potential with downside protection, flexible premiums, and tax advantages for those seeking balanced financial security.

401(k), IRA & Retirement Account Rollovers

We assist in rolling over your hard-earned 401 (k) into a secure Annuity, allowing you to enjoy a tax-free retirement. Additionally, we offer a FREE Will, Trust, and Estate Planning with any life insurance policy.

Final Expense Insurance

Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.

Long-Term Care

Our comprehensive support and planning ensure you have the financial security and resources needed for your long-term healthcare needs.

Defined Benefit Plan

A powerful tool with significantly higher tax-deferred contribution limits, especially beneficial for those who have maxed out their 401(k) or IRA and want to legally keep more of their income while building long-term, tax-advantaged wealth.

Frequently Asked Questions

Common Questions Answered for your convenience.

What is the difference between term and whole life insurance?

Term life insurance uses premiums to cover you for the determined “term” of the policy. Coverage expires if there is no claim within that time frame. Term life can be a good match for someone seeking affordable coverage to replace lost income over a critical period, such as while raising children or paying off a mortgage. Whole life insurance lasts your entire life if premiums remain current and have the potential to accrue cash value, depending on the policy. For these reasons, whole life insurance premiums are typically higher than term premiums for the same coverage amount.

How does Index Universal Life (IUL) Insurance work?

IUL is life insurance with a built-in savings account that grows based on the stock market (without the risk of losing money). It provides lifelong coverage and tax-free cash you can use while alive.

What is an Annuity, and how does it work?

An Annuity is like a personal pension—you put money in, and later, it pays you a steady income for life or a set period. It’s great for retirement planning because it provides guaranteed income.

What does life insurance cover?

Your life insurance can help cover significant expenses in the event of your passing while the policy is in force. For instance, the proceeds can be used for mortgage payments, debts, tuition, and everyday living costs. Ultimately, it is up to your beneficiaries to determine how to use the payout. The proceeds are typically provided as a lump sum and are generally tax-free.

Who will benefit from the Defined Benefit Plan Program?

The Defined Benefit Plan (Keogh Plan) is ideal for high-income earners and self-employed professionals seeking substantial tax-deferred retirement savings. It offers significantly higher contribution limits than traditional plans, making it valuable for those who have maxed out other retirement accounts. Benefits include reduced tax liabilities, the potential to build substantial retirement wealth, annual contributions of 500K–2M+ (based on income goals), and the ability to shelter millions in income, all while remaining IRS-compliant.

Who needs Final Expense Insurance?

Final Expense Insurance is crucial for anyone looking to spare their family from burdening funeral costs and medical bills. This small, affordable policy is designed to help cover end-of-life expenses.

Check Your Eligibility