Built for final expense agencies with 5 or more agents.

The Final Expense Agency Operating System

Stop losing commission advances to lapses you never saw.

LegacyCore watches every policy across your downline, shows which ones need attention, and helps your team work the saves before the chargeback hits. Built for final expense agencies with 5 or more agents. SI means super intelligence: the agents that do this work for your team.

Done-for-you setup. You approve before the final Submit.
Book a demo See the sample report

Your first full at-risk report comes during setup, once LegacyCore is connected to your carrier portals.

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. The carrier list is a sample book, not live connections. See what is live for each carrier.

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

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.

Book a demo to see it on your own book

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

Start with proof

Know what you get before you commit.

You see the report in the demo, the setup fee comes back as plan credit (up to the plan price each month), and the first full scan, run during setup, is guaranteed.

  1. In the demo

    Your agency, walked through

    We go through your carriers, your team and how you work today, and show the at-risk report on sample data.

    Book a demo

  2. When you sign

    Setup fee credited to your plan

    Part of the implementation fee comes back as a credit: each of your first 3 monthly invoices drops by the plan price, or by an even share of the fee if that is smaller. Growth gets $1,497 of its $2,500 fee back, Scale gets $2,997 of $3,500 and Enterprise gets $4,999.98 of $5,000.

  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
See the real number on your book in a demo

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

Inbound calls answered and qualified.

The SI Closer answers inbound calls on your number and follows your script.

  • Prequalifies callers on age and a checking account
  • Books the qualified caller with a licensed agent, who writes the policy
  • Managers can listen in, guide it privately or take over the call

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.

Agency overview: every manager and agent

Active Annual Premium

$70,032

$5,836/mo, 72 in force

Total

126

24 in pipeline

Active

72

in force

Attention

30

review now

VN

V. Novak

TX, Carter Team, J. Alvarez

New, Submitted

National Life Group / Graded Benefit

0/12
NAGB-26573$1,008 AP, $84.00/mo
MN

M. Nakamura

FL, Carter Team, J. Alvarez

Active, In Force

Foresters / Graded Benefit

2/12
FOGB-65394$1,080 AP, $90.00/mo
NP

N. Petrova

AZ, Carter Team, J. Alvarez

New, Submitted

Mutual of Omaha / Modified Benefit

0/12
MUMB-85768$1,056 AP, $88.00/mo
WS

W. Sokolov

FL, Carter Team, J. Alvarez

Approved

Transamerica / Graded Benefit

0/12
TRGB-52291$912 AP, $76.00/mo
LL

L. Larkin

FL, Carter Team, J. Alvarez

Active, In Force

Transamerica / Level Benefit

3/12
TRFE-75620$612 AP, $51.00/mo
PM

P. Marsh

TX, Carter Team, J. Alvarez

Active, In Force

Americo / Graded Benefit

1/12
AMGB-45896$816 AP, $68.00/mo
IP

I. Petrova

VA, Carter Team, J. Alvarez

Active, In Force

Baltimore Life / Modified Benefit

3/12
BAMB-49950$732 AP, $61.00/mo
PW

P. Whitmore

TX, Carter Team, J. Alvarez

Active, In Force

National Life Group / Modified Benefit

8/12
NAMB-99282$624 AP, $52.00/mo
GO

G. Okafor

FL, Carter Team, J. Alvarez

Missed Payment

Ethos / Level Benefit

1/12
ETFE-33075$912 AP, $76.00/mo
OM

O. Muller

AZ, Carter Team, J. Alvarez

Active, In Force

Americo / Guaranteed Issue

8/12
AMGI-24959$1,224 AP, $102.00/mo
HN

H. Novak

NC, Carter Team, J. Alvarez

Pending Requirements

Foresters / Level Benefit

0/12
FOFE-34404$912 AP, $76.00/mo
FI

F. Iqbal

OH, Carter Team, J. Alvarez

Active, In Force

TruStage / Guaranteed Issue

7/12
TRGI-16137$684 AP, $57.00/mo
WA

W. Alvarado

OH, Carter Team, J. Alvarez

Lapse Pending

Baltimore Life / Graded Benefit

3/12
BAGB-98826$1,176 AP, $98.00/mo
MB

M. Brooks

GA, Carter Team, R. Osei

New, Submitted

Foresters / Guaranteed Issue

0/12
FOGI-64641$1,116 AP, $93.00/mo
DB

D. Bryant

NC, Carter Team, R. Osei

Missed Payment

TruStage / Guaranteed Issue

6/12
TRGI-58467$996 AP, $83.00/mo
OC

O. Castellano

VA, Carter Team, R. Osei

Active, In Force

Ethos / Guaranteed Issue

9/12
ETGI-59880$1,380 AP, $115.00/mo
RH

R. Hendrix

FL, Carter Team, R. Osei

Active, In Force

Foresters / Graded Benefit

7/12
FOGB-25091$960 AP, $80.00/mo
PP

P. Petrova

TX, Carter Team, R. Osei

Pending Requirements

National Life Group / Guaranteed Issue

0/12
NAGI-34325$936 AP, $78.00/mo
FO

F. Ortega

TN, Carter Team, R. Osei

New, Submitted

TruStage / Guaranteed Issue

0/12
TRGI-26834$1,416 AP, $118.00/mo
HW

H. Whitmore

FL, Carter Team, R. Osei

Active, In Force

Ethos / Level Benefit

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

Fewer inbound leads lost to voicemail.

The SI Closer answers on your number, follows your script, checks the do-not-call list and prequalifies the caller, then books them with a licensed agent. Managers can follow any call live.

On your numberInbound calls answered
PrequalifiesAge and a checking account
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. Each final expense carrier your agency writes is set up for you during the done-for-you implementation.

Your carriersSet up for you during implementation
Up to fourCarriers per send
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 without logging in to every portal.

You start a status read and see a preview before anything changes. A premium that drops sharply waits for a person to confirm it.

3 carriers syncedAmerico, Mutual of Omaha, Transamerica
Monday reportYour book by email every week
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 often one phone call from being saved. LegacyCore flags it, ranks it by dollars and drafts the follow-up while there is still time.

Chargeback WatchOn every plan
Approval firstNothing reaches a client unapproved
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 after the sale, the video follows, and the beneficiaries on the policy are saved in LegacyCore as referral contacts.

Handwritten cardsReal pen, real stamp
Policy summaryA plain-language email after the sale
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.

Once the worker is set up in your account, every at-risk, lapsed and cancelled policy across every agent lands in one ranked list with an estimate of the advance at stake. It is the first report every agency gets.

Full scanAfter setup, every agent
Ranked by dollarsEstimated advance at stake
GuaranteeTerms on the pricing page
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.

LegacyCore
Any open requirements on Americo this week?

1 policy needs attention on Americo:

- POL-10488: APS outstanding

1,204 records scanned

Sample data. These carriers show a demo book, not live connections. See what is live for each carrier.

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 implementation

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

Discuss Growth

$416.66 comes off each of your first 6 invoices: $2,499.96 of your $2,500 implementation fee back. 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 come from each carrier check. 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

Every module, and what it does today.

The parts that turn the wheel above. Each one is live.

  1. 1. CloseLive

    SI Closer

    Answers inbound calls on your number and qualifies callers, then books them with a licensed agent, who writes the policy.

    • Books qualified callers with a licensed agent
    • Every call saved in LegacyCore under its agent
  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 each agent's own computer, in their own Chrome and carrier login.

    • 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
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

  1. Application ready

    9:02 AM

    POL-10644 · Americo packet filled, waiting on agent approval

  2. Carrier status checked

    9:04 AM

    POL-10432 · Grace period reported with 12 days remaining

  3. Follow-up needed

    9:05 AM

    POL-10547 · Missed payment flagged for conservation review

  4. Activity recorded

    9:06 AM

    Portal update and outreach task attached to the policy record

Live today; your other carriers are set up during implementation

Mutual of OmahaAmericoAmerican AmicableTransamericaEthosCorebridge

Policy status syncs have already run in production for Mutual of Omaha, Americo and Transamerica. New carriers are added as their maps ship, and your access is confirmed during setup.

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. The policies that need attention most 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

Every MondaySample data

214

Policies Monitored

11

At-Risk Flagged

4

Lapse Pending

13

Carriers in sample

Recent activity

Monday book report sentMon 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
  • The policies that need attention listed first
  • Sent by email every Monday, with CSV exports
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
  • Honest by design

    The SI agent never denies being an AI when a caller asks, and every contact is written to the audit log.

    Built into the system
  • Before we connect anything

    You approve every carrier connection before it happens. Written authorization, not a blanket credential handoff.

    Included in every plan
  • While it runs

    Every portal pull and every status change is written to an audit log in plain English, not buried in a database.

    Included in every plan
  • Before the final Submit

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

    Included in every plan
  • Your data

    You keep the rights to the data you put in. Export your book at any time, and for 30 days after you leave.

    Included in every plan
  • What we won’t promise

    We do not claim carrier-approved integration or guaranteed real-time updates. This is monitored visibility, stated plainly.

    Included in every plan

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 answers inbound calls, qualifies callers, then books them with a licensed agent, who writes the policy.
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 Final Expense Agency 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.
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. The SI Closer qualifies callers, then books them with a licensed agent, who writes the policy. Portal Worker handles application tasks within the access and workflow agreed at setup. Your agency retains responsibility for licensed advice, required reviews, and compliance.
What does the SI Closer do?
The SI Closer is live. It answers inbound calls on your number and qualifies callers, then books them with a licensed agent, who writes the policy; 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. All modules are live, with carrier access and workflows confirmed for your agency during setup.
Which carriers does LegacyCore support?
LegacyCore works with the final expense carriers your agency writes: each carrier portal is set up for your agency during the done-for-you implementation. Application pre-fill is live for Mutual of Omaha, Americo, American Amicable, Transamerica, Ethos and Corebridge, and policy status syncs have run in production 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. 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. Part of the implementation fee comes back as a credit: each of your first 3 monthly invoices drops by the plan price, or by an even share of the fee if that is smaller. Growth gets $1,497 of its $2,500 fee back, Scale gets $2,997 of $3,500 and Enterprise gets $4,999.98 of $5,000.
What happens if a policy is flagged at risk?
The flag (lapse pending, missed payment, or pending requirement) shows on the authorized role's dashboard and in the Monday book report email. 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.

Talk About Your Agency

Review your carriers, team size, and current process with us. Your first full at-risk report comes during setup.

Book a demo

See the Sample Report

The at-risk report every agency gets during setup, shown with sample data.

See the sample report

For Compliance and Carrier Reviewers

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

Read the compliance page

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