Coverage Disclaimer
General Information
LegacyExpense.life is a marketing and lead‑generation website. We are not an insurance company and do not underwrite or bind coverage. Our service connects consumers with licensed insurance agents and insurance carriers that offer final expense (burial) insurance products.
No Offer, Recommendation, or Guarantee
- Information on this site is provided for general informational purposes and is not an offer to sell or a solicitation to buy any insurance product.
- Plans, features, and pricing are determined by the issuing carrier and may change without notice.
- Any examples or savings statements are illustrative only and are not a guarantee of results for your situation.
Availability & Eligibility
- Product availability, eligibility criteria, and underwriting rules vary by state and by carrier.
- Qualification is subject to carrier underwriting, which may include answers to health questions, review of application information, and other risk assessment methods.
- Final expense plans are generally designed for adults and seniors; age limits and face amount ranges are set by each carrier.
Underwriting, Waiting Periods & Benefits
- Approval and effective dates are determined by the carrier. Some policies may include a graded or modified benefit or a waiting period before the full death benefit is payable for non‑accidental death.
- Policy features (e.g., accelerated benefits, riders) are not available in all states and may require additional premium where offered.
- All benefits are subject to policy terms, conditions, exclusions, and limitations, including contestability and suicide provisions where applicable.
Premiums & Rates
- Premiums are typically based on factors such as age, gender, tobacco use, health class, and coverage amount.
- Quotes provided by agents or shown during calls are estimates and are not binding until approved and issued by the carrier.
- Rates and discounts may change and are not guaranteed until a policy is issued. State fees or taxes may apply.
Agent & Carrier Relationships
- We may be compensated by third‑party agents, agencies, and/or carriers when a consumer purchases a policy.
- Agents discussing products with you are responsible for the accuracy of the information they provide and for compliance with applicable laws and regulations.
Communications & Call Recording
- By submitting your information, you consent to be contacted by phone, text, and/or email by LegacyExpense.life and/or our partners, including via autodialed or pre‑recorded messages where permitted. Consent is not a condition of purchase. Message and data rates may apply.
- For quality and training, calls may be monitored and recorded, consistent with applicable law.
Not Legal, Tax, or Financial Advice
Nothing on this website should be construed as legal, tax, or financial advice. You should consult your own professional advisors regarding your personal situation.
Trademarks & Third‑Party Content
All trademarks, logos, and service marks are the property of their respective owners. References to third‑party products or services are for identification only and do not imply endorsement.
State Variations
Not all carriers or plans are available in all states. Specific product disclosures, riders, and limitations may vary by jurisdiction. Refer to the carrier’s approved policy forms for controlling terms.
Contact
If you have questions about this Coverage Disclaimer, contact us:
Address: 9330 157 St NW, Canada
Email: info@legacyexpense.life