Direct Protection for you and your Family

Coverage your family can count on — explained before you sign, not after.

Discover your options whether it comes to protecting your legacy, income, or retirement. The insurer makes the final decision — LegacyDirect lets you see your options directly.

Look around before signing in
Exam-free may be an option
Nothing to pay today
Policy PreviewSample
Requested coverage
$500,000
LegacyDirect Gold IUL
Planned budget$3,600 / yr
Medical examExam-free possible
Next actionReview your plan
Example only — final price and eligibility are confirmed by the insurer.
A more direct solution

Three steps, nothing hidden in between

Start with a guided questionnaire that helps you navigate what coverage best fits you and your family's needs.

01

Answer a few questions

Help us understand what your goals are and where you currently stand. We'll let you know early on if any medical underwriting will be needed to get approved.

02

Discover your direct option

Once you have an idea of what plans are available to you, decide whether to continue on your own or pick up where you left off with a licensed agent to guide you the rest of the way.

03

View the results

Get a chance to follow along with the carrier's steps from submission to the final decision. Once approved, the finalized policy will be delivered directly to your home.

Built for the people who keep things running

Coverage shaped around the work you do

Life insurance built around hardworking families and the people they're providing for.

Planning for Legacy

Coverage built to leave something behind — a death benefit sized to cover final expenses and leave a lasting cushion for the family you're providing for.

Planning for protection

Living benefits that let you access part of your coverage while you're still here, if a serious illness or injury keeps you from earning an income.

Planning for retirement

Built-in protection against market downturns, with the potential for tax-free income to supplement whatever you've already saved.

Old values, new paperwork

The same trust insurance was always meant to run on

Newer technology, faster tracking, and a much shorter application — built around what actually matters to families.

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Provide for the people who depend on you

Coverage sized to what your household would actually need to keep going.

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Leave more behind, not less

Plans built to grow, so what you leave outpaces what you paid in.

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Protect what you've already built

A policy that backs up the years you've already put in, not just the years ahead.

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Keep the promises you've made

Debts, tuition, a mortgage — the obligations a policy is actually meant to cover.

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Rest easy knowing it's handled

One place to check status, so you're never wondering where an application stands.

Track record

150 years of American life insurance

The category LegacyDirect was built to make simpler — from a handful of mutual societies to hundreds of millions of policyholders.

1759
~300
families
1875
~1M
policies
1901
~14M
policies
2010s
~140M
insured
2026
~260M
policies
Sources: ACLI Life Insurers Fact Book and industry estimates. Figures are illustrative of long-term category growth, not LegacyDirect-specific data.

See your coverage plan before you commit to anything.

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