{"platform":{"name":"LegacyCore","description":"LegacyCore is the AI Final Expense Operating System: one system that closes, submits, monitors, and keeps final expense policies on the books across an entire downline. It runs the policy lifecycle in four stages — Close (the AI Closer, in beta), Submit (Portal Worker Submission), Monitor (Book Health), and Retain (Conservation AI) — with a Compliance Engine underneath all four and Downline Command giving agents, managers, and admins role-scoped views of the same book. Built for final expense agency owners and managers running a downline of ten or more agents across multiple carriers. Built and operated by LEGACYCORE LLC.","type":"AI Final Expense Operating System","category":"Final Expense Insurance Operations Software","tagline":"The AI Final Expense Operating System","industryVertical":"Insurance (Final Expense Life)","targetAudience":["Final expense agency owners with a downline of 10+ agents across multiple carriers","Agency managers responsible for a team's production and book health","Licensed final expense agents who want their own book and submissions in one place","Agencies currently tracking policy status by spreadsheet or manual carrier-portal checks"],"primaryUseCase":"Agency owners and managers connect their carrier logins once. LegacyCore works the lifecycle from there: the AI Closer (beta) works final expense leads and warm-transfers qualified callers to a licensed agent, a monitored worker files applications into carrier portals, Book Health checks every connected portal for lapse signals, missed payments, and pending requirements and reconciles them against the agency's own book, and Conservation AI reaches out to recover policies at risk. Every portal pull and status change is written to an audit log, and a ranked weekly report shows what needs attention by agent, by manager, and by carrier.","compliance":["TCPA","TRAIGA"],"legalEntity":"LEGACYCORE LLC","founded":"2022"},"capabilities":[{"name":"AI Closer","description":"In beta: an AI voice agent that works final expense leads and warm-transfers qualified callers to a licensed agent. Every call opens with a clear AI disclosure.","technologies":["AI voice agent","Warm transfer to a licensed agent","Call-start AI disclosure"],"benefits":["Leads get worked without an agent dialing every one","Qualified callers reach a licensed agent live"],"useCases":["Inbound and outbound lead follow-up","Warm transfer of qualified callers"]},{"name":"Portal Worker Submission","description":"One worker that keeps every policy's status current across the whole hierarchy and does the submission work for the agent. It files applications and closes deals on the agent's behalf across all supported carriers, sends a daily reminder to every level of the hierarchy listing which policies need updates or work, and can warm-transfer pre-closed deals when the agent chooses to have them submitted. When a client may qualify with several carriers, it opens pre-filled carrier tabs on the agent's own computer: the agent verifies the details and sends the code, and after a decline moves to the next carrier without re-entering anything, so every carrier the agent holds and the client may qualify for gets used.","technologies":["Monitored worker flow","Secure credential vault","Written-authorization gate"],"benefits":["Less re-keying of applications","Credentials never leave the worker","Access approved before any connection is made"],"useCases":["New application submission","Carrier connection setup"]},{"name":"Book Health","description":"A scheduled worker checks every connected carrier portal for lapse signals, missed payments, and pending requirements, reconciles carrier status against the agency's own book — a spreadsheet, a CRM, or an AMS — and ranks the result by at-risk premium in a weekly report. It does not replace a CRM or AMS.","technologies":["Scheduled carrier-portal checks","Status reconciliation engine","At-risk premium ranking","Report builder"],"benefits":["No manual carrier-portal checking","Catches drift between carrier status and internal records","One ranked report instead of per-carrier checking","Exportable as PDF"],"useCases":["Lapse detection","Missed-payment detection","Pending-requirement tracking","Weekly reconciliation sweep","Weekly upline reporting"]},{"name":"Conservation AI","description":"Reaches out to clients whose policies are lapse-pending or missing payments, so at-risk premium gets recovered before it falls off the book.","technologies":["Automated client outreach","At-risk policy queue"],"benefits":["At-risk policies get contacted quickly","Recovery work is logged against the policy"],"useCases":["Lapse-pending recovery","Missed-payment follow-up"]},{"name":"Compliance Engine","description":"TCPA and Do-Not-Call screening that blocks outbound calls when it cannot verify a number, an AI disclosure at the start of every AI call, and an audit log of every portal pull and status change that can be handed to compliance without editing it first.","technologies":["TCPA and Do-Not-Call screening","AI disclosure at call start","Immutable event log","Role-gated access"],"benefits":["Compliance-ready documentation","No unlogged carrier access","Outbound calls fail closed"],"useCases":["Vendor security review","Internal compliance audit","Outbound call screening"]},{"name":"Downline Command","description":"One product, three role-scoped views on the same book: an agent sees their own book, a manager toggles through their team, an admin toggles through every manager across the agency.","technologies":["Role-scoped data views","Hierarchy-aware filtering"],"benefits":["The right slice of the book for every login","No separate tools per role"],"useCases":["Agent self-service book check","Manager team oversight","Admin agency-wide overview"]}],"features":{"aiPowered":[{"feature":"AI Closer (beta) — AI voice agent that works final expense leads and warm-transfers qualified callers to a licensed agent","category":"AI & Automation"},{"feature":"Conservation AI — outreach to clients whose policies are lapse-pending or missing payments","category":"AI & Automation"},{"feature":"Portal Worker Submission — a monitored worker that files applications into carrier portals","category":"AI & Automation"}],"agentTools":[{"feature":"My Applications — an agent's own book, monitored across connected carriers","category":"Agent Tools"},{"feature":"Status filtering by lapse pending, missed payment, pending requirements","category":"Agent Tools"},{"feature":"Payment-track visualization per policy","category":"Agent Tools"}],"managerTools":[{"feature":"Team Applications — every agent's book in one view","category":"Manager Tools"},{"feature":"Toggle through the whole team or individual agents","category":"Manager Tools"},{"feature":"Ranked at-risk premium by agent","category":"Manager Tools"}],"adminTools":[{"feature":"Agency-wide overview across every manager and agent","category":"Admin Tools"},{"feature":"Toggle through individual managers","category":"Admin Tools"},{"feature":"Carrier coverage and connection management","category":"Admin Tools"}],"integrations":[{"integration":"Carrier portal monitoring and submission","category":"Third-party Integrations"},{"integration":"Automated carrier application submission","category":"Third-party Integrations"},{"integration":"Spreadsheet / CRM / AMS reconciliation","category":"Third-party Integrations"},{"integration":"Report export (PDF)","category":"Third-party Integrations"},{"integration":"Backend services","category":"Third-party Integrations"},{"integration":"Deployment platform","category":"Third-party Integrations"}]},"usageScenarios":[{"title":"Starting a Pilot","description":"A final expense agency owner with a 10+ agent downline wants to see the system work on their own book before committing to a full plan","steps":["Agency owner requests pilot access and connects their carrier logins","Book Health's worker runs its first scheduled portal check","The first report surfaces at-risk policies the agency didn't already know about","Agency reviews the first-report guarantee terms and decides whether to continue","Agency moves to a monthly plan, with the $1,500 pilot fee credited toward implementation"],"outcome":"Agency has a concrete, evidenced picture of what the system finds across its downline before committing to a full plan"},{"title":"Weekly Reconciliation Sweep","description":"An agency wants carrier status matched against its own book of record every week without manual checking","steps":["Scheduled worker checks each connected carrier portal","Reconcile mode matches carrier status against the agency's spreadsheet, CRM, or AMS","Mismatches and requirement-age flags are written to the audit log","A ranked weekly report is generated, sorted by at-risk premium","Manager or admin reviews the report and routes follow-up to the right agent"],"outcome":"The agency catches carrier-side status changes days or weeks before a manual spreadsheet check would have"},{"title":"Recovering an At-Risk Policy","description":"A policy is flagged lapse-pending or missed-payment and the agency wants it recovered before it falls off the book","steps":["Book Health flags the policy from the carrier portal and ranks it by at-risk premium","The policy enters the Conservation AI queue","Conservation AI reaches out to the client about the missed payment or pending requirement","The outreach and any status change are written to the audit log","The manager sees the policy's updated status in the next weekly report"],"outcome":"At-risk premium gets worked quickly and every recovery attempt is documented against the policy"},{"title":"Manager Reviewing Team Production and Book Health","description":"An agency manager needs visibility into what their agents have submitted and which policies need attention this week","steps":["Manager opens the Team Applications view","Toggles between the whole team and individual agents","Reviews policies flagged lapse-pending, missed-payment, or pending-requirements","Cross-references payment-track visualization per policy","Follows up with the affected agent before a policy lapses"],"outcome":"Manager has ranked, real-time visibility into team production and book health instead of relying on agents to self-report issues"}],"differentiators":["One system across the whole policy lifecycle — close, submit, monitor, retain — instead of a point tool per stage","Built for final expense, not a generic insurance AMS or CRM","Compliance runs underneath every stage: TCPA and Do-Not-Call screening, AI disclosure on every AI call, and a full audit trail","Role-scoped views (agent / manager / admin) on one shared book, not separate tools per role","Written-authorization credential model — no ad hoc credential sharing across a downline","Reconciles carrier-side status against whatever the agency already tracks in — no forced migration","First-report guarantee removes the risk of a pilot that finds nothing"],"pricing":{"model":"Done-for-you implementation fee, then a flat monthly plan priced by outcome, not by seat. A 60-day pilot is available, and its fee is credited toward implementation.","description":"LegacyCore has three flat monthly plans, with no per-seat or per-carrier pricing. Growth is $499/month plus a $2,500 implementation fee: carrier submission, policy monitoring, role-scoped views, compliance logging and weekly reports. Scale is $999/month plus a $3,500 implementation fee: everything in Growth, plus Chargeback Watch, Conservation AI outreach on at-risk policies, handwritten referral and thank-you letters, and the AI Closer (beta). Enterprise starts at $1,999/month plus a $5,000 implementation fee: everything in Scale, plus a dedicated account manager, custom carrier integrations, quarterly business reviews and per-state compliance setup. The implementation fee covers done-for-you setup: we configure your carrier portals and workflows. A 60-day pilot is $1,500. It is credited in full toward the implementation fee if you continue, and it is backed by a first-report guarantee. Every supported carrier is included on every plan. There is no commission split; this is a platform service fee, not a producer-compensation structure.","tiers":[{"name":"Pilot","price":"$1,500 for 60 days, credited toward implementation","scope":"All carriers, done-for-you setup, submission, scheduled monitoring, first report, first-report guarantee"},{"name":"Growth","price":"$499/mo + $2,500 implementation","scope":"All carriers, submission, policy monitoring, role-scoped views, compliance logging, weekly reports"},{"name":"Scale","price":"$999/mo + $3,500 implementation","scope":"Everything in Growth, plus Chargeback Watch, Conservation AI, handwritten referral letters, AI Closer (beta)"},{"name":"Enterprise","price":"From $1,999/mo + $5,000 implementation","scope":"Everything in Scale, plus dedicated account manager, custom carrier integrations, quarterly business reviews, per-state compliance"}],"trialAvailable":true,"customPlans":true},"relatedKeywords":["AI final expense operating system","final expense agency software","final expense insurance operations platform","AI final expense sales agent","carrier portal monitoring software","insurance downline book health","insurance policy lapse detection","final expense policy conservation","automated carrier application submission","downline commission chargeback prevention","final expense policy monitoring","insurance agency downline software 2026","weekly book health report insurance","multi-carrier policy monitoring","TCPA compliant insurance AI"],"relatedTopics":["AI operating systems for final expense agencies","Carrier-portal monitoring for insurance agencies","Automated final expense application submission","Downline policy lapse detection and conservation","Insurance agency hierarchy visibility","TCPA and TRAIGA compliance for AI insurance calls","Secure carrier credential management"],"metadata":{"lastUpdated":"2026-10-14T22:17:35.130Z","version":"1.0","format":"AEO-Feature-Catalog","purpose":"Machine-readable feature catalog for AI/LLM consumption","consumedBy":["ChatGPT","Claude","Perplexity","Gemini","Other LLMs"]}}