See what your book is losing: free at-risk scan, nothing uploaded.Run the free scan

The SI Final Expense Operating System

October at LegacyCore

Stop losing commission advances to lapses you never saw.

LegacyCore fills your carrier applications, watches every policy across your downline, and works the saves before the chargeback hits. Built for final expense agency owners, with an SI Closer that answers inbound calls in English or Spanish.

Done-for-you setup. You approve before the final Submit.
Run your free at-risk scan Book a demo

The free scan runs in your browser on one carrier export; nothing is uploaded. Or see a sample report.

Lifecycle command center · Sample data
LegacyCore

Carrier sweep finished. The riskiest policies are surfaced first.

13 flags across 1,204 records. Last pull: 9:02 AM.

J. AlvarezGrace period, 12d

Carrier: Mutual of Omaha

Policy: POL-10432

M. ChenAPS outstanding

Carrier: Americo

Policy: POL-10488

T. RomeroPending underwriting

Carrier: Royal Neighbors

Policy: POL-10533

A. KowalskiPayment missed

Carrier: American Amicable

Policy: POL-10547

K. PatelSignature missing

Carrier: Transamerica

Policy: POL-10501

N. FaroukPending issue

Carrier: Ethos

Policy: POL-10571

E. MarshRequirement open, 6d

Carrier: TruStage

Policy: POL-10584

1,204 records scanned

Product-style preview with demo data. Carrier access is confirmed during setup.

You approve
Before the final Submit
Logged
Every portal pull
Weekly
Book report by email

Built into every account. Product capabilities, not customer results. How we back each claim

Start with proof

See your at-risk dollars before you commit.

You see the money first, the setup fee comes back as plan credit, and the first full scan is guaranteed.

  1. Before you pay

    Free at-risk scan

    Before you pay anything, run a free at-risk check on one carrier's policy export at legacycore.io/free-scan. It runs in your browser and nothing is uploaded.

    Run the free scan

  2. When you sign

    Setup fee credited back

    Your implementation fee is credited back against your first 3 monthly invoices, so on Growth and Scale your first 3 months of the plan are covered.

  3. After onboarding

    At-risk scan guarantee

    Once your team is onboarded, LegacyCore runs a full at-risk scan across your whole hierarchy: pending lapses, recent lapses, and policies cancelled or charged back in the last 60 days that were never saved or rewritten. If the scan doesn't surface commission advances at risk or lost worth at least your implementation fee, ask within 14 days of receiving it and we refund the implementation fee in full.

Your numbers

What lapses cost your agency every month.

Put in your own numbers. Every policy that lapses inside the advance window takes its commission advance with it.

Advances at risk each month

$14,256

About 18 of your 80 new policies a month lapse, at about $810 in advance each.

Saves a month that cover Growth
0.7
Saves a month that cover Scale
1.3
Check the real number on your book

An estimate from the numbers you enter, assuming a 90% contract with 75% advanced. Lapses are counted from your persistency and treated as falling inside the advance window. It is not a result LegacyCore has measured on your book.

The operating system

From the first call to the next payment.

Each step has a job. Work the lead, file the application, watch the carrier status, and follow up when a policy needs help.

  1. 1. CloseBeta

    SI Closer

    Answers inbound calls in English or Spanish, works final expense leads, and flags qualified callers for a licensed agent to call back.

    • Your opening line, your call
    • Callback flag when qualified
  2. 2. SubmitLive

    Portal Worker Submission

    Fills applications in your carrier portals and stops for agent approval. Agents can send an application from a phone or tablet; the worker runs on a paired computer.

    • Pre-filled carrier tabs
    • Daily work reminders
    • Status updates across the hierarchy
  3. 3. MonitorLive

    Book Health

    Checks carrier portals and ranks the policies that need attention.

    • Lapses and missed payments
    • Pending requirements
    • Weekly risk report
  4. 4. RetainLive

    Conservation SI

    Drafts follow-up to clients on at-risk policies; a person approves before it sends, and each contact is logged.

    • Missed-payment follow-up
    • Lapse-pending recovery
    • Every contact logged
  • UnderneathLive

    Compliance Engine

    Screens calls and records the work behind every portal action.

    • TCPA and DNC checks
    • Consent and DNC logging
    • Exportable audit trail
  • OversightLive

    Downline Command

    Gives each role the right view of the same book.

    • Agent view
    • Manager team view
    • Admin agency view

Plans for your agency

Flat monthly plans. Setup done for you.

We set everything up for you. Every plan starts with a one-time implementation fee, then a flat monthly price with no per-seat fees.

Core automation

$499/ month + $2,500 $1,250 implementation

Carrier submission, policy monitoring, Chargeback Watch, and weekly reports across your whole downline. Flat monthly fee, no per-seat pricing.

Discuss Growth

Your first 3 months are credited from the implementation fee. Monthly billing, cancel anytime.

  1. 01We connect your carriers and configure workflows.
  2. 02Submission and carrier checks keep running.
  3. 03Review a weekly report across your team.
Plan details

Implementation is done for you: portal setup, workflow configuration, and record matching.

All supported carriers are included in the price. Connections depend on your authorized access and confirmed setup. Updates run on a schedule. They are not guaranteed in real time.

LegacyCore is not a carrier-approved integration and does not replace your compliance program.

Growth includes

One platform for submission, monitoring, and follow-up. No per-seat or per-carrier fees, and no commission split.

Portal Worker

Fills applications and checks status through your authorized carrier portals.

Book Health

Shows missed payments, open requirements, and policies at risk of lapsing.

Compliance Engine

Call screening, DNC checks, and an exportable record of portal activity.

Downline Command

Agents see their book. Managers see their team. Admins see the agency.

Before anything connects, we review how your credentials are handled and what the worker can access.

Know what needs attention first.

A missed payment can become a lapse. An unsigned form can hold up an application. The first report shows your team where to follow up.

See the sample report

How it works

Four working modes

Close. Submit. Monitor. Retain.

Here's the idea: every policy moves through one loop instead of a stack of disconnected tools.

Close

Work the final expense call

SI Closer (beta) answers first with the opening line your agency sets, qualifies the caller, and flags them for a licensed agent.

Submit

Move the application into the carrier portal

Portal Worker fills the carrier application with your authorized access, then waits for the agent to approve Submit.

Monitor

Watch the book after submission

Book Health checks status, lapse signals, and pending requirements so the team sees problems while they are still fixable.

Retain

Trigger conservation follow-up

Conservation SI drafts the next outreach step and keeps activity tied to the policy record for review.

Weekly Reports

Know which policies need help this week.

See missed payments, lapse warnings, and unfinished requirements across your team. Policies with the most premium at risk come first.

Conservation SI. Drafts follow-up to clients on at-risk policies; a person approves before it sends, and each contact is logged.

Ready to generate this week's report

Weekly schedule13 carriers

214

Policies Monitored

11

At-Risk Flagged

9 days

Avg Detection Lead Time

13

Carriers in sample

Recent activity

Weekly Book Health report generatedMon 9:00 AM, 214 policies
Lapse alert: POL-10432 grace periodSun 6:14 PM, 12 days remaining
Requirement cleared: POL-10310Fri 2:41 PM, signature received
Book a demoRequest a Sample Report

Your first report follows the first scheduled portal check after setup.

  • One report per upline, scheduled weekly
  • Ranked by at-risk premium, not raw policy count
  • Exportable as a plain PDF for downline agents

Inside a Book Health report

A clear reason to follow up.

See the policy, the problem, and what needs attention. Here are three examples of the work a report can surface.

Sample policy review

Illustrative data

  1. POL-10432

    Payment follow-up

    Missed payment

    Grace period: 12 days remaining

    Contact the client to resolve the payment issue.

  2. POL-10488

    Requirement follow-up

    Medical records requested

    Requirement open for 9 days

    Check the outstanding request with the carrier.

  3. POL-10501

    Application follow-up

    Signature missing

    Amendment awaiting a signature

    Arrange the signature so the application can move forward.

Request a full sample report

What you can check before you sign.

Each point below is something the product does today. They are not customer results or a measure of policies saved by SI.

3

Carrier portals with completed syncs

Mutual of Omaha, Americo and Transamerica. More carriers are added as their portals are set up.

You approve

Before the final Submit

The worker pre-fills the carrier application and stops. Nothing is filed until your agent approves it.

Logged

Every portal pull

Each carrier sync records the rows it read and the evidence it kept, so you can see what changed and when.

Weekly

Book report by email

Every Monday: new business, the policies that need attention, and the cases to work first.

How we back each claim
Compliance Engine

Compliance runs underneath everything.

No case studies. Here is what the system enforces and what every plan includes.

For compliance and carrier reviewers →
Outbound calls

If we can't verify TCPA and DNC status, the call doesn't go out.

Built into the system

How it fits with your CRM

The work continues after the sale.

Your CRM tracks the relationship. LegacyCore handles carrier work and helps your team keep policies in force.

Work the lead
CRM / AI dialerCalls, texts, appointments, and lead follow-up.
LegacyCoreSI Closer (beta) works leads and flags qualified callers for a licensed agent to call back.
Submit the application
CRM / AI dialerA deal stage records where the sale stands.
LegacyCorePortal Worker fills the carrier application; the agent approves final Submit.
Check the policy
CRM / AI dialerYour records depend on the updates you receive.
LegacyCoreBook Health checks connected portals for status changes, missed payments, and requirements.
Follow up on risk
CRM / AI dialerCampaigns and tasks help your team stay in touch.
LegacyCoreCarrier alerts guide conservation outreach, with contact history and a ranked team report.

A workflow comparison, not a feature audit of every CRM. Integrations vary. We confirm your carrier access and setup before you start.

Check your setup

Questions, answered plainly.

Still have one? Book a demo.

What is LegacyCore?
LegacyCore is the SI Final Expense Operating System for licensed agencies. It brings lead follow-up, carrier application pre-fill, policy monitoring, and conservation outreach into one workflow. Agents see their own policies; managers and admins see the teams they oversee. SI Closer is in beta.
How is LegacyCore different from an AI dialer or CRM?
AI dialers and CRMs help with calls, messages, appointments, and lead records. LegacyCore also works inside authorized carrier portals to fill applications and check policy status. Book Health flags missed payments and open requirements, and Conservation SI supports follow-up. Some CRMs offer overlapping features; the practical difference to check is the carrier work available for your agency.
Do I have to replace my CRM or AMS?
No. LegacyCore already keeps each client's policies, pipeline stage, notes, timeline, follow-ups and calendar in one place, so many agencies run without a separate CRM. If you want to keep your CRM or agency management system, LegacyCore works alongside it, and we confirm how your records will be matched during setup.
Does LegacyCore replace my licensed agents?
No. SI Closer is in beta and flags qualified callers for a licensed agent to call back. Portal Worker handles application tasks within the access and workflow agreed at setup. Your agency retains responsibility for licensed advice, required reviews, and compliance.
Is the SI Closer live, or still in beta?
SI Closer is in beta. It answers inbound calls in English or Spanish, works final expense leads by voice and flags qualified callers for a licensed agent to call back; outbound calling is not live yet. Each agency sets the opening line, which can include an AI disclosure, and the agent never denies being an AI when a caller asks. It is included on Scale and Enterprise; your plan's allowance is confirmed before setup. The other five modules are live, with carrier access and workflows confirmed for your agency.
Which carriers does LegacyCore support?
LegacyCore has recorded completed portal syncs for Mutual of Omaha, Americo and Transamerica. The product page separately shows carriers represented in the book of business; that list does not claim a live portal connection. Carrier workflows depend on the agency's authorized access and confirmed setup. Supported carrier connections do not incur a per-carrier fee.
How does LegacyCore pricing work?
There are three flat monthly plans, each with a one-time, done-for-you implementation fee. Growth is $499/month with $2,500 implementation. Chargeback Watch is included from Growth. Scale is $999/month with $3,500 implementation, and adds Conservation SI, handwritten referral letters and the SI Closer (beta). Enterprise starts at $1,999/month with $5,000 implementation, and adds a dedicated account manager, custom carrier integrations and quarterly business reviews. Growth and Scale bill monthly with no annual contract; Enterprise terms are agreed in your proposal. All supported carriers are included on every plan, and there is no per-seat pricing and no commission split. Your implementation fee is credited back against your first 3 monthly invoices, so on Growth and Scale your first 3 months of the plan are covered.
What happens if a policy is flagged at risk?
The flag (lapse pending, missed payment, or pending requirement) is ranked by at-risk premium in the weekly report and the authorized role's dashboard. Drafted outreach still follows the configured human approval flow, and status changes are written to the audit trail.
How does LegacyCore measure persistency when my payment data is incomplete?
Persistency is the share of policies still paying at month 13, measured from payment records rather than from a policy status, so an old policy that was never updated cannot inflate the number. Every figure carries a confidence label. When payment history is thin, LegacyCore says the figure is likely understated instead of showing it as a lapsing book. The persistency card and its breakdown by carrier use this calculation.

See what needs attention in your book.

Every agency starts with a real conversation.

Run Your Free At-Risk Scan

Drop in one carrier export and see the pending lapses, recent lapses and cancellations, and the advances at risk.

Run the scan

Talk About Your Agency

Review your carriers, team size, and current process with us.

Book a demo

For Compliance and Carrier Reviewers

Carrier access, lockouts, the contract and liability summary, and the audit export, answered before you authorize anything.

Read it

Figures marked as sample data are illustrative, not guarantees. See /compliance for full disclosures.

LegacyCoreLegacyCore

The SI Final Expense Operating System

One system that closes, submits, monitors, and retains final expense policies, for agency owners and managers running a downline across multiple carriers.

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Written Authorization

LEGACYCORE LLC provides agency software. Insurance products are sold by your licensed agents. Not all products are available in all states. The SI Closer is in beta. The Book Health module provides monitored visibility into carrier portals. It is not a guarantee of real-time data, carrier-approved integration, or a substitute for your own compliance program. SI-communication and insurance-product disclosures are on the compliance page.

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