The SI Final Expense Operating System

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

LegacyCoreLegacyCore SI Final Expense OS

Sample carrier book

Carrier sweep finished. The riskiest policies are surfaced first.

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

Agent	Carrier	Policy	Status
J. Alvarez	Mutual of Omaha	POL-10432	Grace period, 12d
M. Chen	Americo	POL-10488	APS outstanding
T. Romero	Royal Neighbors	POL-10533	Pending underwriting
A. Kowalski	American Amicable	POL-10547	Payment missed
K. Patel	Transamerica	POL-10501	Signature missing
N. Farouk	Ethos	POL-10571	Pending issue
E. Marsh	TruStage	POL-10584	Requirement open, 6d

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.

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
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.
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.

Agents writing businessIssued apps per agent, per month13-month persistency (%)Average annual premium ($)

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.

From the first ring to the next referral.

One system answers the call, closes, submits, keeps the policy paying and turns every client into the next lead. Then it turns again.

01Call comes in

Every call answered, qualified and closed.

The SI sales agent picks up in seconds, day or night, in English or Spanish.

Prequalifies on age, bank account and health knockouts
Quotes the right carrier and closes, or hands the caller to a licensed agent live
Managers listen in, guide it privately or take the call from their phone

What the wheel turns on.

Every stage writes into one book of business: a built-in CRM with live analytics. Agents see their own book, managers their downline, owners everything. Try each view.

Agent viewMy Applications: an agent's own book

Active Annual Premium

$6,396

$533/mo, 7 in force

Total

3 in pipeline

Active

in force

Attention

review now

Client	Carrier / Product	Policy #	Monthly	AP	Payment Track	Status
VN V. Novak TX	National Life Group Term	NATM-26573	$49.00	$588	0/12	New, Submitted
MN M. Nakamura FL	Foresters Term	FOTM-65394	$53.00	$636	2/12	Active, In Force
NP N. Petrova AZ	Mutual of Omaha Whole Life	MUWL-85768	$124.00	$1,488	0/12	New, Submitted
WS W. Sokolov FL	Transamerica Term	TRTM-52291	$44.00	$528	0/12	Approved
LL L. Larkin FL	Transamerica Final Expense	TRFE-75620	$51.00	$612	3/12	Active, In Force
PM P. Marsh TX	Americo Term	AMTM-45896	$39.00	$468	1/12	Active, In Force
IP I. Petrova VA	Baltimore Life Whole Life	BAWL-49950	$87.00	$1,044	3/12	Active, In Force
PW P. Whitmore TX	National Life Group Whole Life	NAWL-99282	$77.00	$924	8/12	Active, In Force
GO G. Okafor FL	Ethos Final Expense	ETFE-33075	$76.00	$912	1/12	Missed Payment
OM O. Muller AZ	Americo IUL	AMIU-24959	$143.00	$1,716	8/12	Active, In Force
HN H. Novak NC	Foresters Final Expense	FOFE-34404	$76.00	$912	0/12	Pending Requirements
FI F. Iqbal OH	TruStage IUL	TRIU-16137	$83.00	$996	7/12	Active, In Force
WA W. Alvarado OH	Baltimore Life Term	BATM-98826	$58.00	$696	3/12	Lapse Pending

V. Novak

New, Submitted

National Life Group / Term

0/12

NATM-26573$588 AP, $49.00/mo

M. Nakamura

Active, In Force

Foresters / Term

2/12

FOTM-65394$636 AP, $53.00/mo

N. Petrova

New, Submitted

Mutual of Omaha / Whole Life

0/12

MUWL-85768$1,488 AP, $124.00/mo

W. Sokolov

Approved

Transamerica / Term

0/12

TRTM-52291$528 AP, $44.00/mo

L. Larkin

Active, In Force

Transamerica / Final Expense

3/12

TRFE-75620$612 AP, $51.00/mo

P. Marsh

Active, In Force

Americo / Term

1/12

AMTM-45896$468 AP, $39.00/mo

I. Petrova

Active, In Force

Baltimore Life / Whole Life

3/12

BAWL-49950$1,044 AP, $87.00/mo

P. Whitmore

Active, In Force

National Life Group / Whole Life

8/12

NAWL-99282$924 AP, $77.00/mo

G. Okafor

Missed Payment

Ethos / Final Expense

1/12

ETFE-33075$912 AP, $76.00/mo

O. Muller

Active, In Force

Americo / IUL

8/12

AMIU-24959$1,716 AP, $143.00/mo

H. Novak

Pending Requirements

Foresters / Final Expense

0/12

FOFE-34404$912 AP, $76.00/mo

F. Iqbal

Active, In Force

TruStage / IUL

7/12

TRIU-16137$996 AP, $83.00/mo

W. Alvarado

Lapse Pending

Baltimore Life / Term

3/12

BATM-98826$696 AP, $58.00/mo

Manager viewTeam Applications: the downline book

Active Annual Premium

$23,544

$1,962/mo, 23 in force

Total

10 in pipeline

Active

in force

Attention

review now

Client	Carrier / Product	Policy #	Monthly	AP	Payment Track	Status
VN V. Novak TX, J. Alvarez	National Life Group Term	NATM-26573	$49.00	$588	0/12	New, Submitted
MN M. Nakamura FL, J. Alvarez	Foresters Term	FOTM-65394	$53.00	$636	2/12	Active, In Force
NP N. Petrova AZ, J. Alvarez	Mutual of Omaha Whole Life	MUWL-85768	$124.00	$1,488	0/12	New, Submitted
WS W. Sokolov FL, J. Alvarez	Transamerica Term	TRTM-52291	$44.00	$528	0/12	Approved
LL L. Larkin FL, J. Alvarez	Transamerica Final Expense	TRFE-75620	$51.00	$612	3/12	Active, In Force
PM P. Marsh TX, J. Alvarez	Americo Term	AMTM-45896	$39.00	$468	1/12	Active, In Force
IP I. Petrova VA, J. Alvarez	Baltimore Life Whole Life	BAWL-49950	$87.00	$1,044	3/12	Active, In Force
PW P. Whitmore TX, J. Alvarez	National Life Group Whole Life	NAWL-99282	$77.00	$924	8/12	Active, In Force
GO G. Okafor FL, J. Alvarez	Ethos Final Expense	ETFE-33075	$76.00	$912	1/12	Missed Payment
OM O. Muller AZ, J. Alvarez	Americo IUL	AMIU-24959	$143.00	$1,716	8/12	Active, In Force
HN H. Novak NC, J. Alvarez	Foresters Final Expense	FOFE-34404	$76.00	$912	0/12	Pending Requirements
FI F. Iqbal OH, J. Alvarez	TruStage IUL	TRIU-16137	$83.00	$996	7/12	Active, In Force
WA W. Alvarado OH, J. Alvarez	Baltimore Life Term	BATM-98826	$58.00	$696	3/12	Lapse Pending
MB M. Brooks GA, R. Osei	Foresters IUL	FOIU-64641	$130.00	$1,560	0/12	New, Submitted
DB D. Bryant NC, R. Osei	TruStage IUL	TRIU-58467	$117.00	$1,404	6/12	Missed Payment
OC O. Castellano VA, R. Osei	Ethos IUL	ETIU-59880	$160.00	$1,920	9/12	Active, In Force

V. Novak

TX, J. Alvarez

New, Submitted

National Life Group / Term

0/12

NATM-26573$588 AP, $49.00/mo

M. Nakamura

FL, J. Alvarez

Active, In Force

Foresters / Term

2/12

FOTM-65394$636 AP, $53.00/mo

N. Petrova

AZ, J. Alvarez

New, Submitted

Mutual of Omaha / Whole Life

0/12

MUWL-85768$1,488 AP, $124.00/mo

W. Sokolov

FL, J. Alvarez

Approved

Transamerica / Term

0/12

TRTM-52291$528 AP, $44.00/mo

L. Larkin

FL, J. Alvarez

Active, In Force

Transamerica / Final Expense

3/12

TRFE-75620$612 AP, $51.00/mo

P. Marsh

TX, J. Alvarez

Active, In Force

Americo / Term

1/12

AMTM-45896$468 AP, $39.00/mo

I. Petrova

VA, J. Alvarez

Active, In Force

Baltimore Life / Whole Life

3/12

BAWL-49950$1,044 AP, $87.00/mo

P. Whitmore

TX, J. Alvarez

Active, In Force

National Life Group / Whole Life

8/12

NAWL-99282$924 AP, $77.00/mo

G. Okafor

FL, J. Alvarez

Missed Payment

Ethos / Final Expense

1/12

ETFE-33075$912 AP, $76.00/mo

O. Muller

AZ, J. Alvarez

Active, In Force

Americo / IUL

8/12

AMIU-24959$1,716 AP, $143.00/mo

H. Novak

NC, J. Alvarez

Pending Requirements

Foresters / Final Expense

0/12

FOFE-34404$912 AP, $76.00/mo

F. Iqbal

OH, J. Alvarez

Active, In Force

TruStage / IUL

7/12

TRIU-16137$996 AP, $83.00/mo

W. Alvarado

OH, J. Alvarez

Lapse Pending

Baltimore Life / Term

3/12

BATM-98826$696 AP, $58.00/mo

M. Brooks

GA, R. Osei

New, Submitted

Foresters / IUL

0/12

FOIU-64641$1,560 AP, $130.00/mo

D. Bryant

NC, R. Osei

Missed Payment

TruStage / IUL

6/12

TRIU-58467$1,404 AP, $117.00/mo

O. Castellano

VA, R. Osei

Active, In Force

Ethos / IUL

9/12

ETIU-59880$1,920 AP, $160.00/mo

Carter Team, all 3 agents, Showing 16 of 41. Full book in your real dashboard.

Admin viewAgency overview: every manager and agent

Active Annual Premium

$79,776

$6,648/mo, 72 in force

Total

126

24 in pipeline

Active

in force

Attention

review now

Client	Carrier / Product	Policy #	Monthly	AP	Payment Track	Status
VN V. Novak TX, Carter Team, J. Alvarez	National Life Group Term	NATM-26573	$49.00	$588	0/12	New, Submitted
MN M. Nakamura FL, Carter Team, J. Alvarez	Foresters Term	FOTM-65394	$53.00	$636	2/12	Active, In Force
NP N. Petrova AZ, Carter Team, J. Alvarez	Mutual of Omaha Whole Life	MUWL-85768	$124.00	$1,488	0/12	New, Submitted
WS W. Sokolov FL, Carter Team, J. Alvarez	Transamerica Term	TRTM-52291	$44.00	$528	0/12	Approved
LL L. Larkin FL, Carter Team, J. Alvarez	Transamerica Final Expense	TRFE-75620	$51.00	$612	3/12	Active, In Force
PM P. Marsh TX, Carter Team, J. Alvarez	Americo Term	AMTM-45896	$39.00	$468	1/12	Active, In Force
IP I. Petrova VA, Carter Team, J. Alvarez	Baltimore Life Whole Life	BAWL-49950	$87.00	$1,044	3/12	Active, In Force
PW P. Whitmore TX, Carter Team, J. Alvarez	National Life Group Whole Life	NAWL-99282	$77.00	$924	8/12	Active, In Force
GO G. Okafor FL, Carter Team, J. Alvarez	Ethos Final Expense	ETFE-33075	$76.00	$912	1/12	Missed Payment
OM O. Muller AZ, Carter Team, J. Alvarez	Americo IUL	AMIU-24959	$143.00	$1,716	8/12	Active, In Force
HN H. Novak NC, Carter Team, J. Alvarez	Foresters Final Expense	FOFE-34404	$76.00	$912	0/12	Pending Requirements
FI F. Iqbal OH, Carter Team, J. Alvarez	TruStage IUL	TRIU-16137	$83.00	$996	7/12	Active, In Force
WA W. Alvarado OH, Carter Team, J. Alvarez	Baltimore Life Term	BATM-98826	$58.00	$696	3/12	Lapse Pending
MB M. Brooks GA, Carter Team, R. Osei	Foresters IUL	FOIU-64641	$130.00	$1,560	0/12	New, Submitted
DB D. Bryant NC, Carter Team, R. Osei	TruStage IUL	TRIU-58467	$117.00	$1,404	6/12	Missed Payment
OC O. Castellano VA, Carter Team, R. Osei	Ethos IUL	ETIU-59880	$160.00	$1,920	9/12	Active, In Force
RH R. Hendrix FL, Carter Team, R. Osei	Foresters Term	FOTM-25091	$47.00	$564	7/12	Active, In Force
PP P. Petrova TX, Carter Team, R. Osei	National Life Group IUL	NAIU-34325	$110.00	$1,320	0/12	Pending Requirements
FO F. Ortega TN, Carter Team, R. Osei	TruStage IUL	TRIU-26834	$164.00	$1,968	0/12	New, Submitted
HW H. Whitmore FL, Carter Team, R. Osei	Ethos Final Expense	ETFE-17758	$89.00	$1,068	9/12	Active, In Force

V. Novak

TX, Carter Team, J. Alvarez

New, Submitted

National Life Group / Term

0/12

NATM-26573$588 AP, $49.00/mo

M. Nakamura

FL, Carter Team, J. Alvarez

Active, In Force

Foresters / Term

2/12

FOTM-65394$636 AP, $53.00/mo

N. Petrova

AZ, Carter Team, J. Alvarez

New, Submitted

Mutual of Omaha / Whole Life

0/12

MUWL-85768$1,488 AP, $124.00/mo

W. Sokolov

FL, Carter Team, J. Alvarez

Approved

Transamerica / Term

0/12

TRTM-52291$528 AP, $44.00/mo

L. Larkin

FL, Carter Team, J. Alvarez

Active, In Force

Transamerica / Final Expense

3/12

TRFE-75620$612 AP, $51.00/mo

P. Marsh

TX, Carter Team, J. Alvarez

Active, In Force

Americo / Term

1/12

AMTM-45896$468 AP, $39.00/mo

I. Petrova

VA, Carter Team, J. Alvarez

Active, In Force

Baltimore Life / Whole Life

3/12

BAWL-49950$1,044 AP, $87.00/mo

P. Whitmore

TX, Carter Team, J. Alvarez

Active, In Force

National Life Group / Whole Life

8/12

NAWL-99282$924 AP, $77.00/mo

G. Okafor

FL, Carter Team, J. Alvarez

Missed Payment

Ethos / Final Expense

1/12

ETFE-33075$912 AP, $76.00/mo

O. Muller

AZ, Carter Team, J. Alvarez

Active, In Force

Americo / IUL

8/12

AMIU-24959$1,716 AP, $143.00/mo

H. Novak

NC, Carter Team, J. Alvarez

Pending Requirements

Foresters / Final Expense

0/12

FOFE-34404$912 AP, $76.00/mo

F. Iqbal

OH, Carter Team, J. Alvarez

Active, In Force

TruStage / IUL

7/12

TRIU-16137$996 AP, $83.00/mo

W. Alvarado

OH, Carter Team, J. Alvarez

Lapse Pending

Baltimore Life / Term

3/12

BATM-98826$696 AP, $58.00/mo

M. Brooks

GA, Carter Team, R. Osei

New, Submitted

Foresters / IUL

0/12

FOIU-64641$1,560 AP, $130.00/mo

D. Bryant

NC, Carter Team, R. Osei

Missed Payment

TruStage / IUL

6/12

TRIU-58467$1,404 AP, $117.00/mo

O. Castellano

VA, Carter Team, R. Osei

Active, In Force

Ethos / IUL

9/12

ETIU-59880$1,920 AP, $160.00/mo

R. Hendrix

FL, Carter Team, R. Osei

Active, In Force

Foresters / Term

7/12

FOTM-25091$564 AP, $47.00/mo

P. Petrova

TX, Carter Team, R. Osei

Pending Requirements

National Life Group / IUL

0/12

NAIU-34325$1,320 AP, $110.00/mo

F. Ortega

TN, Carter Team, R. Osei

New, Submitted

TruStage / IUL

0/12

TRIU-26834$1,968 AP, $164.00/mo

H. Whitmore

FL, Carter Team, R. Osei

Active, In Force

Ethos / Final Expense

9/12

ETFE-17758$1,068 AP, $89.00/mo

All 3 managers, 126 applications, Showing 20 of 126. Full book in your real dashboard.

Compliance underneath

Consent and do-not-call checks before any contact, and a record of every action.

Written consent on file
National and internal DNC clear
Inside the 8am to 9pm window

01SI Sales Agent

Your best closer never misses a call.

Inbound leads stop going to voicemail. The SI sales agent follows your script, checks consent and the do-not-call list, and knows each carrier's underwriting, so the caller hears a real offer on the first call.

Around the clockEnglish and Spanish, no hold queue

Live hand-offTo a licensed agent's phone

Live Call MonitorListen, guide, take over

Inbound call, 2:14Live

SI agentThanks for calling. Is the coverage for you or for a family member?

CallerFor me. I am 67 and I want my funeral covered.

SI agentI can help with that today. Do you have a checking or savings account for the monthly draft?

PrequalifiedAge 67, bank account, no knockoutsQuote ready

02SI Portal Worker

Stop typing the same client four times.

One application becomes pre-filled carrier tabs. When a carrier declines, the next one is already filled, so the agent moves on without retyping anything.

Main carriersAmerico, Mutual of Omaha, Transamerica and more

20 to 30 minutesSaved on every application

You approveNothing is filed without the agent

Portal Worker for M. AlvarezFilling

AmericoMutual of OmahaTransamerica

Proposed insuredDorothy A. Hensley

Date of birth03 / 14 / 1959

Primary beneficiaryRay Hensley, son, 100%

Draft accountChecking ending 4471, drafts on the 3rd

Ready for review and signThe agent presses Submit3 of 3

03Status Tracking

Know where every policy stands before the carrier calls.

Status reads run on a schedule and show a preview before anything changes. A premium that drops sharply waits for a person to confirm it.

Whole hierarchyEvery agent, every carrier

Monday reportRanked by premium at risk

Audit trailEvery portal read logged

Policy POL-10432Updated 9:04 AM

SubmittedMutual of Omaha, Living PromiseOct 2

Underwriting clearedNo open requirementsOct 6

Issued$54.20 a month, $8,000 faceOct 9

First draftScheduled for the 3rdNext

04Retention

Keep the advance you already earned.

A returned draft is one phone call from being saved. LegacyCore finds it the day it happens, ranks it by dollars and starts the follow-up while there is still time.

Chargeback WatchOn every plan

Avatar check-insYour face, your voice

Save boardWho to call first, and why

Chargeback Watch3 need a call today

Returned draft on the 3rd payment12 days left in grace$810

Missed payment in month 5Avatar check-in sent this morning$648

Bank closed before payment 2Client asked for a new draft dateSaved

Advances protected this month$4,212

05Referrals

Turn one sale into the next two conversations.

The card arrives the week after the sale, the video follows, and the beneficiaries on the policy are already in your CRM as warm contacts.

Handwritten cardsReal pen, real stamp

Referral videosPersonal, at scale

Referral harvestBeneficiaries to contacts

Dorothy,

Thank you for trusting me with your family's peace of mind. If someone you love needs the same, I am one call away.

Joseph

2 beneficiaries added as referral contactsRay Hensley and Ann HensleyCall next

06Hidden Revenue

The opportunities your team walked past.

Every at-risk, lapsed and cancelled policy across every agent, in one ranked list with the dollars attached. It is the first report every agency gets.

Full scanEvery agent and carrier

Ranked by dollarsAdvance at risk or lost

GuaranteedOr the setup fee back

At-risk scan, whole hierarchySample

Pending lapses14 policies still inside the save window$11,340

Lapsed, never rewritten9 policies in the last 60 days$7,290

Charged back, not flipped6 policies in the last 60 days$4,860

Advances at risk or lost$23,490

Product screens on this page show sample data.

Reconcile

Carrier status, matched against your whole downline's book.

Connect your spreadsheet or AMS. LegacyCore compares it with carrier status and shows the mismatches by agent.

LegacyCoreLegacyCore SI Final Expense OS

Sample carrier book

Any open requirements on Americo this week?

1 policy needs attention on Americo:

- POL-10488: APS outstanding

1,204 records scanned

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.

01We connect your carriers and configure workflows.
02Submission and carrier checks keep running.
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

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. 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. 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. MonitorLive
Book Health
Checks carrier portals and ranks the policies that need attention.
- Lapses and missed payments
- Pending requirements
- Weekly risk report
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

Four working modes

Close. Submit. Monitor. Retain.

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

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.

Portal Worker

Submit it. Then keep track of it.

Portal Worker handles the carrier steps. Book Health brings the updates back to your team, from open requirements to missed payments.

One policy, from submission to follow-up

Illustrative activity stream · sample data

Worker online

Application ready
9:02 AM
POL-10644 · Americo packet filled, waiting on agent approval
Ready
Carrier status checked
9:04 AM
POL-10432 · Grace period reported with 12 days remaining
Synced
Follow-up needed
9:05 AM
POL-10547 · Missed payment flagged for conservation review
Needs review
Activity recorded
9:06 AM
Portal update and outreach task attached to the policy record
Logged

One worker, the whole lifecycle

Fill the application

Portal Worker fills each application and stops at final Submit for the agent to approve.

Read carrier updates

Scheduled checks bring policy status and open requirements back into your book.

Prioritize the work

Book Health flags missed payments and pending requirements so your team knows where to start.

Follow up

Conservation SI helps with at-risk client outreach. The activity stays with the policy record.

LegacyCore workflow demonstration

A quick look at each step. The interactive version is on its way.

Close

Capture how the sale happened, the client's consent and their story.

Submit

Fill the carrier application, and the agent approves Submit.

Monitor

Bring carrier status, missed payments and lapse signals back to your team.

Retain

Draft follow-up and reports for your team to approve.

Portal activity verified

Completed portal syncs are recorded for these carriers. Your access and workflow are confirmed during setup.

Carriers represented in the book

Written business in LegacyCore spans these carriers. Presence here does not mean a portal connection or endorsement.

Americo
Mutual of Omaha
Ethos
Aetna
Transamerica
Combined Insurance
Baltimore Life
Corebridge
Gerber Life
TruStage
American Amicable
CICA Life of America
Royal Neighbors
SBLI
Prudential

A record of the work

Portal checks and status changes are logged for your team to review and export.

Credentials stay with the worker

Access is scoped to the monitored worker flow. Your downline does not pass credentials around.

A view across your team

See policies available through your authorized agency and carrier access.

Lapse DetectionRequirement TrackingStatus SyncAudit TrailSecure Credential VaultReport Builder

Carrier access and workflows are confirmed during setup.

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.

1,204 carrier pulls this month

Ready to generate this week's report

Weekly schedule13 carriers

214

Policies Monitored

At-Risk Flagged

9 days

Avg Detection Lead Time

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 demo Request 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

POL-10432
Payment follow-up
Missed payment
Grace period: 12 days remaining
Contact the client to resolve the payment issue.
POL-10488
Requirement follow-up
Medical records requested
Requirement open for 9 days
Check the outstanding request with the carrier.
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.

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.

Stop losing commission advances to lapses you never saw.

See your at-risk dollars before you commit.

Free at-risk scan

Setup fee credited back

At-risk scan guarantee

What lapses cost your agency every month.

From the first ring to the next referral.

Every call answered, qualified and closed.

What the wheel turns on.

Compliance underneath

Your best closer never misses a call.

Stop typing the same client four times.

Know where every policy stands before the carrier calls.

Keep the advance you already earned.

Turn one sale into the next two conversations.

The opportunities your team walked past.

Carrier status, matched against your whole downline's book.

Flat monthly plans. Setup done for you.