Simple Process. Lasting Legacy.
Life & Health Insurance | Annuities | Tax-free Retirement Strategies
Is your family protected? Just one call could secure your family's future.
At Prepared Legacy Group, we help families get prepared for what's ahead through a simple process that makes life insurance easy to understand, affordable to access, and tailored to your family's unique needs.
Is your family protected? Just one call could secure your family's future.
At Prepared Legacy Group, we help families get prepared for what's ahead through a simple process that makes life insurance easy to understand, affordable to access, and tailored to your family's unique needs.
Services
Mortgage Protection
Mortgage Protection helps ensure your family can stay in their home if something happens to you—covering the mortgage so they’re not forced to make rushed decisions during a difficult time. It’s peace of mind for you, and stability for them.
Final Expense
Final Expense Insurance provides lifelong coverage with rates that never increase and a policy that never expires. It’s designed to take care of funeral costs and other end-of-life expenses—so your loved ones aren’t left with the burden when the time comes.
Term Life Insurance
Term Life Insurance offers affordable coverage for a set period of time—making it a smart choice for healthy individuals who want high protection at a low cost. It’s designed to cover your loved ones when they need it most, without breaking the bank.
Health Insurance
We help you explore options that fit your needs and budget—whether you're self-employed, between jobs, or just looking for better coverage. With the right plan in place, you can protect your health and your finances from unexpected medical expenses.
Indexed Universal Life
Indexed Universal Life is a type of permanent life insurance that not only provides coverage, but also accumulates cash value over time. It can supplement your retirement plan, grow your wealth, and offer low-interest loans, giving you more and control over your future.
Annuities
Annuities offer a way to create guaranteed income you can’t outlive—helping you turn your savings into a steady paycheck for life. Whether you’re approaching retirement or already there, annuities can provide security and stability for the years ahead.
Our Process
We like to keep things simple...
We understand life gets busy, which is why we use a simple 3-step process to help you get prepared—no hassle, no overwhelm—just clear guidance to what you need.
Step 1
GET A QUOTE
Click “Get a Quote” below. Then one of our licensed agents will call you for a free consultation.
Step 2
CHOOSE A PLAN
We’ll walk you through your options, answer your questions, and help you choose the right plan.
Step 3
APPLY
After choosing a plan, we'll help you complete the application. Many clients get approved within the first day!
Frequently Asked Questions
Check out these FAQs to learn more about life insurance and related services.
How much does life insurance cost?
The cost depends on your age, medical history, lifestyle habits, and how much coverage you need. Click the button below for a FREE consultation.
Do I need a medical exam to get life insurance?
All of our carriers provide "simplified issue" policies with no medical exam. This makes the application process very fast and simple.
Can I get life insurance even if I have health issues?
Yes. Many insurers offer policies for people with health conditions. The type of insurance and cost of coverage may vary based on your health history, but there are options for nearly everyone.
What’s the difference between term and whole life insurance?
Term life insurance covers you for a set number of years (like 10, 20, or 30 years) and is generally more affordable but more difficult to qualify for. Whole life insurance lasts your entire life and includes a cash value component that can grow over time.
How much life insurance do I need?
The amount of coverage that's right for you depends on your income, financial goals, how much you want to leave for your family, and your budget. We provide free consultations to help you determine the right amount for your family based on your unique situation.
What insurance companies do you work with?
We work with many of the nation's top A-rated carriers. Many of them have been around for 100+ years—companies like Mutual of Omaha, Transamerica, Aetna (CVS), Foresters Financial, and others.
Is the payout from a life insurance policy taxable?
In most cases, life insurance payouts are sent 100% tax-free to your beneficiaries.
How quickly is a life insurance payout sent?
Once the claim and required documents are submitted, insurance companies typically pay the beneficiary within a few weeks.