Licensed in 40+ States · Life & Health Coverage

Protecting the Families
Who Trust Us Most

Built on Protection, Designed for Legacy

Expert life and health insurance guidance for individuals, families, and small businesses. We shop 50+ top-rated carriers to find the right coverage at the right price — for you.

50+
Carrier Partners
40+
States Licensed
100%
Client Focused
★ 5.0
Client Rated
Happy family protected by life and health insurance
Health Insurance Life Insurance Private Health Plans ACA Marketplace Plans Medicare Supplement Final Expense Term Life Insurance Whole Life Insurance Indexed Universal Life Annuities Small Group Health Health Insurance Life Insurance Private Health Plans ACA Marketplace Plans Medicare Supplement Final Expense Term Life Insurance Whole Life Insurance Indexed Universal Life Annuities Small Group Health
50+
Top-Rated Carriers
40+
States Licensed
Private
Healthcare Access
★ 5.0
Client Satisfaction
Financial advisor with insurance clients Couple signing insurance policy
50+
Carrier Partners
Nationwide

About Legacy Financial Group

Your Trusted Partner in
Life & Health Coverage

“Our mission is simple — protect your family’s financial future with coverage that actually works when you need it most.”

Legacy Financial Group is a licensed life and health insurance agency serving individuals, families, and small businesses across 40+ states. We have access to 50+ top-rated carriers and take the time to understand your situation before recommending anything.

From ACA marketplace plans and private health options to comprehensive life insurance solutions, we do the shopping for you — so you can focus on what matters most.

🎓
Licensed Life & Health Insurance Agency
Licensed in 40+ States Nationwide
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50+ Top-Rated Carrier Partners
Access to the widest range of plans available
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Access to Private Healthcare Options
Exclusive plans not available through public marketplaces
ACA Marketplace Certified
Subsidy optimization & open enrollment specialists
Healthcare and health insurance coverage Senior couple enjoying retirement with Medicare coverage Family protected by life insurance Stock market growth representing IUL and annuity returns

Coverage Solutions

Plans Built for
Every Stage of Life

Whether you’re a young family just starting out, approaching retirement, or a business owner looking after your team — we’ll find the right plan for your exact situation.

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ACA Marketplace Health

Affordable individual and family health plans under the Affordable Care Act. We identify maximum subsidy eligibility to keep your premiums as low as possible.

BCBSUnitedHealthcareCignaAetnaAmbetterOscarMolinaHumana
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Private Health Plans

Exclusive private healthcare options not available on public marketplaces. Broader networks, enhanced benefits, and more flexibility — ideal for those who want premium coverage beyond standard options.

Private CarriersOff-ExchangePremium Networks
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Medicare Solutions

Comprehensive Medicare planning — Supplement (Medigap), Medicare Advantage, and Part D. Turning 65? We make navigating Medicare simple and stress-free.

Mutual of OmahaAetnaHumanaCignaUnitedHealthcare
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Term Life Insurance

Straightforward, affordable death benefit protection for 10, 20, or 30-year terms — ideal for income replacement, mortgage protection, and family security.

TransamericaBannerProtectiveEthos LifeAmerican AmicableNLG
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Whole Life Insurance

Permanent life coverage that lasts your entire lifetime with guaranteed death benefits and cash value accumulation. A reliable foundation for long-term financial planning.

Mutual of OmahaTransamericaAmerican AmicableForestersNLG
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Final Expense Coverage

Guaranteed acceptance and simplified whole life plans that cover end-of-life expenses and leave a meaningful legacy. No medical exam required in most cases.

Mutual of OmahaAmericoAmerican AmicableF&G
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Indexed Universal Life (IUL)

Tax-advantaged permanent life insurance with cash value growth tied to market indices. A powerful wealth-building vehicle with built-in downside protection.

North AmericanAtheneNationwideF&GNLG
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Small Group Health

Group health plans for businesses with 2–50 employees. We help employers balance premium costs while offering competitive benefits that attract and retain talent.

AetnaUnitedHealthcareCignaBCBSHumana
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Annuities

Secure, predictable retirement income through fixed and indexed annuities. Protect your savings from market volatility while ensuring you never outlive your money.

F&GAtheneNationwideNorth AmericanAllianz
Family meeting with insurance advisor

Why Families Choose Us

More Than a Policy.
A Partnership.

In a world of call centers and quote bots, Legacy Financial Group delivers something rare — a dedicated team that knows your name, understands your situation, and fights for your best interests every single time.

Book My Free Consultation

Our Carrier Network

50+ Carriers. One Trusted Agency.

We hold active contracts with the nation’s most recognized A-rated life and health insurance carriers.

Life & Annuity Carriers

MUTUAL OFOMAHAMutual ofOmaha
Transamerica
ALLIANZLIFE INSURANCE
PProtectiveLife Insurance
NNationwideon your side
LLincolnFinancial Group
PRUPrudentialFinancial
F&GFidelity& Guaranty
NLGNationalLife Group
AMAmericoLife Insurance
AmericanAmicable
ethos
BNRBannerLife Insurance
NORTH AMERICAN
FOREForestersFinancial
MUTUAL OFOMAHAMutual ofOmaha
Transamerica
ALLIANZLIFE INSURANCE
PProtectiveLife Insurance
NNationwideon your side
LLincolnFinancial Group
PRUPrudentialFinancial
F&GFidelity& Guaranty
NLGNationalLife Group
AMAmericoLife Insurance
AmericanAmicable
ethos
BNRBannerLife Insurance
NORTH AMERICAN
FOREForestersFinancial

Health Insurance Carriers

BlueCrossBlueShield
UHCUnitedHealthcare
CignaCigna
aetna
Humana
MMolinaHealthcare
OscarOscar
AMBAmbetter
ANTAnthem
KaiserPermanente
CareSourceHealth Plans
Medica
BlueCrossBlueShield
UHCUnitedHealthcare
CignaCigna
aetna
Humana
MMolinaHealthcare
OscarOscar
AMBAmbetter
ANTAnthem
KaiserPermanente
CareSourceHealth Plans
Medica

How It Works

Your Path to
Confident Coverage

01
Free Consultation

Book a free 30-minute call. We review your situation, health needs, budget, and goals together — with zero pressure.

02
Market Analysis

We run a full comparison across 50+ carriers — including private options — to identify your absolute best coverage choices.

03
Clear Recommendation

You receive a personalized plan summary with real costs and our honest recommendation — no pressure, no runaround.

04
Enrollment & Beyond

We guide you through every step of enrollment, then remain your dedicated agency for the life of your policy.

Client Stories

Real People.
Real Peace of Mind.

Hear from real families and individuals whose lives we’ve helped protect across the country.

★★★★★

Legacy saved my family thousands on our health plan by finding subsidies we didn’t even know we qualified for. They explained everything clearly and were available every step of the way.

MR
Maria R.
ACA Health Plan Client
★★★★★

I was completely lost trying to understand Medicare when I turned 65. Legacy walked me through every option patiently and helped me enroll in the perfect supplement plan. I feel so confident now.

TJ
Thomas J.
Medicare Supplement Client
★★★★★

After my dad passed without life insurance, I knew I had to act. Legacy set me up with a term life policy and explained how the IUL could build real cash value for retirement. Wish I’d found them sooner.

DS
Diana S.
Life Insurance Client

Book Your Consultation

Let’s Protect What
Matters Most to You

Schedule your free, no-obligation consultation below. We’ll review your needs, compare options — including exclusive private plans — and build a solution that truly protects your family.

30-Minute Consultation
Focused and tailored to your exact situation
💬
Phone or Video — Your Choice
Meet however is most convenient for you
No Cost, No Obligation — Ever
Expert guidance, completely free of charge
🔒
Private Plan Access
We’ll show you options not available anywhere else
Reach out directly
📧 [email protected] 🌐 legacyfinancialgrp.net

Your Family Deserves the Best Coverage

Free consultation · No obligation · Expert guidance from an agency that works for you

Book Your Free Consultation →

Common Questions

Answers You Need
Before You Decide

Do I pay anything for your services?
No — our services are completely free to you. Insurance carriers pay broker commissions directly. Your premium is not higher because you worked with us. You receive expert, personalized guidance at zero additional cost.
Do you offer plans not available on healthcare.gov?
Yes. In addition to ACA marketplace plans, we have access to private off-exchange health plans not available on healthcare.gov. These can offer broader networks, richer benefits, and more plan flexibility — and we’ll compare all your options side by side.
We already have insurance. Can you still help?
Absolutely. We offer free annual policy reviews to make sure your coverage still makes sense as your life changes. Many clients discover they’re overpaying or underinsured — and we can fix both quickly.
How quickly can we get covered?
ACA health insurance can be effective as soon as the 1st of the following month. Many life insurance policies can be approved in 24–72 hours with simplified underwriting, depending on the plan type and health profile.
Do I qualify for ACA subsidies?
Subsidies are based on household income and family size. Expanded premium tax credits are still available — many households qualify for significant monthly savings. We’ll calculate your exact eligibility on our call.
Do you serve clients outside of Florida?
Yes. Legacy Financial Group is licensed in 40+ states nationwide. Book a free consultation and we’ll get you covered wherever you are.

Contact Us

Have Questions?
We're Here to Help.

Whether you're just exploring your options or ready to get covered, send us a message and we'll get back to you promptly.

📅
Book a Consultation
Schedule online →
🌏
Licensed In
40+ States Nationwide

“Built on Protection, Designed for Legacy”

— Legacy Financial Group

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