Legacy Financial Group LLC

Protect What Matters Most.

An insurance agency helping individuals and businesses secure their future with life insurance, Medicare options, and retirement solutions tailored to your unique needs.

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Trusted by Top Insurance Carriers

Mutual of Omaha Transamerica Aflac Americo Ethos Fidelity & Guaranty Royal Neighbors American Amicable / Occidental
Experienced insurance advisor consulting with a happy client

Our Approach

Guidance from experienced advisors.

At Legacy Financial Group, we strive to help protect families and secure their futures. Our mission is to provide peace of mind, financial protection, and the opportunity to leave a lasting legacy for the ones you love.

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We strive to help ensure families have the financial protection and peace of mind they deserve.

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Long-term relationships built on trust, transparency, and reliable ongoing support.

Our Services

Comprehensive protection for your peace of mind.

From securing your family's future to planning for a comfortable retirement, our tailored solutions adapt to every stage of your life and business. Our company can receive quotes and write policies under over 100 of the nation's top A-rated carriers.

Term Life Insurance
Security

Term Life Insurance

Term life insurance provides affordable coverage for a specific period of time such as 10, 20, or 30 years. If the insured person passes away during the term, the policy can provide a death benefit to their beneficiaries. It's a great option for people who want financial protection for their loved ones during important stages of life, such as raising children, paying off a mortgage, or replacing income.

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Whole Life Insurance
Security

Whole Life Insurance

Whole life insurance provides lifelong coverage as long as the required premiums are paid. In addition to a death benefit for your beneficiaries, it can build cash value over time, making it a long-term financial protection option. While it typically costs more than term life insurance, it can be a good choice for those who want permanent coverage and predictable premiums.

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Annuities & Retirement
Future

Annuities & Retirement

Annuities can be a valuable tool for retirement planning by helping provide a steady stream of income during your retirement years. Depending on the type of annuity, they may offer tax-deferred growth, principal protection, or guaranteed income options. The right annuity can help create more financial confidence and provide income you may not outlive.

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Medicare Supplement, Dental, and Vision
Health & Wellness

Medicare Supplement, Dental, and Vision

Medicare Supplement plans can help cover certain out-of-pocket costs that Original Medicare may not pay, while dental and vision coverage can help with routine care such as cleanings, exams, glasses, and other services. Together, these options can help provide more complete coverage and greater peace of mind for your healthcare needs.

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Children's Whole Life and IUL Policies
Security

Children's Whole Life and IUL Policies

Children's Whole Life and Indexed Universal Life (IUL) policies can help provide lifelong financial protection while also building cash value over time. Whole life offers stable, guaranteed benefits, while an IUL provides the potential for cash-value growth based on market index performance, subject to policy terms and caps. Starting coverage early may help secure affordable protection and create a financial foundation for your child's future.

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Indexed Universal Life
Security

Indexed Universal Life

Indexed universal life insurance is a type of permanent life insurance that provides lifelong coverage as long as policy requirements are met. It also has a cash value component that can earn interest based in part on the performance of a market index, subject to features such as caps, participation rates, and floors. IUL policies can offer flexible premiums and death benefits, but they are more complex than term or whole life insurance and may involve fees and risks that should be carefully reviewed.

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The Legacy Difference

Dedicated to your long-term success.

Tailored Solutions

We don't believe in one-size-fits-all. Every plan is customized to your specific family or business needs.

Experienced Advisors

Our team brings years of industry knowledge to help you make informed, confident decisions.

Comprehensive Coverage

A full suite of insurance, health supplement, and retirement products available under one roof.

Ongoing Support

We're here for you through life's changes, regularly reviewing your coverage to ensure it keeps up.

Modern professional office building representing stability and trust

Myth vs. Fact

Busting Insurance Myths

Don't let misconceptions stop you from protecting your family.

The Myth

"Life insurance is too expensive."

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The Truth

Many people overestimate the cost of life insurance. A healthy 30-year-old can often get a substantial term policy for the cost of a few coffees a month.

The Myth

"I can't get covered because of a pre-existing condition."

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The Truth

While health issues can affect premiums, many policies are specifically designed for people with medical conditions, including guaranteed issue options.

The Myth

"My employer's life insurance is enough."

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The Truth

Workplace coverage is typically only 1-2 times your salary (experts recommend 10-15x) and it usually doesn't follow you if you leave your job.

FAQ

Frequently Asked Questions

Common questions about life insurance, Medicare, and annuities.

What is the difference between Term and Whole Life Insurance?

Term life insurance provides coverage for a specific period of time (like 10, 20, or 30 years) and is typically more affordable. Whole life insurance provides lifelong coverage and includes a cash value component that grows over time, making it a permanent financial asset.

When should I apply for Medicare?

You have a 7-month Initial Enrollment Period to sign up for Medicare Part A and/or Part B. This period begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after.

How much life insurance do I really need?

A common rule of thumb is 10 to 15 times your annual income. However, your specific needs depend on factors like your mortgage, debt, childcare costs, and future education expenses. We offer free consultations to help you calculate the exact right amount for your family.

What is an annuity and how does it work?

An annuity is a financial product designed to provide a steady, guaranteed income stream, typically during retirement. It can help ensure you don't outlive your savings by providing payments over a set period or for the rest of your life.

Does Medicare Supplement (Medigap) cover prescription drugs?

No, modern Medicare Supplement policies do not cover prescription drugs. To get prescription drug coverage, you will need to enroll in a separate Medicare Part D plan. We can help you compare options to find the best fit for your medications.

Why should I consider a Children's Whole Life or IUL policy?

Children's Whole Life and Indexed Universal Life (IUL) policies can help provide lifelong financial protection while also building cash value over time. Whole life offers stable, guaranteed benefits, while an IUL provides the potential for cash-value growth based on market index performance. Starting coverage early may help secure affordable protection and create a financial foundation for your child's future.

Contact / Get a Quote

Start planning your future today.

Reach out to discuss your insurance and retirement needs. Our experienced advisors are ready to craft a plan tailored specifically for you.

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