Frequently Asked Questions

LegacyCore is an AI-first insurance agency, not a SaaS vendor. The agency operates a coordinated set of AI components that support major stages of the final expense lifecycle: lead intake and routing, AI voice agents that work the calls, a structured submission workflow that tracks every application through carrier confirmation, post-sale conservation outreach, and an internal compliance and TCPA/DNC monitoring layer. Licensed 1099 submission-node operators host the submission node locally on their machines and are compensated on a flat-fee-per-issued-policy basis under the terms of their Independent Contractor Agreement. Built and operated by LEGACYCORE LLC.

LegacyCore serves three user types: (1) Licensed 1099 submission-node operators who host the submission node locally, monitor its health, and earn a flat fee per issued policy under the terms of their Independent Contractor Agreement; (2) Agency owners overseeing operator networks; (3) Platform administrators configuring AI components, kill switches, and compliance rules. The platform is designed for licensed insurance professionals operating under proper carrier appointments in the United States.

LegacyCore is currently optimized for Final Expense Life Insurance, a category of whole life insurance designed to cover end-of-life expenses. The platform supports the carriers and product types commonly used in this market, subject to each carrier's appointment requirements and state availability. Not all products are available in all states.

LegacyCore encrypts data in transit and at rest, enforces strict per-user data isolation so users only access their own records, authenticates every external integration, and follows TCPA-aligned calling practices with complete audit trails.

Yes, LegacyCore includes a bulk import system that supports CSV uploads with intelligent field mapping. The system recognizes dozens of field name variations, lets you validate your import before committing it, and produces detailed error reports to help you fix any issues. This makes migrating from legacy systems straightforward and reliable.

Licensed 1099 submission-node operators receive a flat fee per issued policy, structured by underwriting type: preferred (fully underwritten) placements at the higher tier and guaranteed-issue products at a separate lower tier. A 60-day clawback window applies — if a policy lapses before day 61, the fee is deducted from the next payment cycle. Subject to the terms of the Independent Contractor Agreement, the fee is generally considered earned after the 60-day window, except where carrier chargebacks or compliance findings apply. The agency owner retains carrier commissions and renewals; operators are compensated for submission work, not policy ownership. Platform fee: free for Months 1–2 (Prove-It-First), $497/month from Month 3, with a one-time $2,500 setup fee. Income is not guaranteed; results depend on lead volume, market conditions, individual effort, and carrier acceptance rates, all of which vary. LegacyCore makes no representation that any operator will earn any specific amount.

Licensed operators complete each submission through a structured carrier-submission workflow. The platform queues each ready application, pre-structures the client and policy data from the call, and tracks it through to a carrier confirmation number. Eligible carriers are ranked for each application so a decline has a defined next step. The operator reviews and monitors each submission.

Yes, LegacyCore is built with a mobile-first design approach. All interface elements meet the 44px minimum touch target requirement for mobile usability. The platform works seamlessly on smartphones and tablets, allowing agents to manage their business from anywhere. The responsive design adapts to all screen sizes while maintaining full functionality.

LegacyCore provides comprehensive analytics including: pipeline throughput (leads → qualified → closed → submitted → issued), node-operator flat-fee payout ledger with clawback tracking, voice-agent call-quality metrics, per-carrier success rates, conservation outreach retention effectiveness, TCPA / DNC compliance audit trails, and overall system health (kill switch status, platform health, voice agent capacity). All delivered on real-time dashboards.

LegacyCore uses voice AI technology to make and receive phone calls on behalf of licensed insurance agents. The AI handles customer inquiries, provides policy information, qualifies leads, and schedules appointments using natural conversation. Calls are transcribed in real time, and sentiment analysis helps identify customer concerns. Authorized agents may monitor calls live.

Under the standard operating model, the licensed operator is not required to speak with clients, sell, or handle objections. Calls are customer-initiated: the AI sales agent answers and handles the conversation — qualification and structured health-question collection — under the supervision of a licensed agent. The operator's role is to host the submission node, supervise the process, and monitor its health. Manual intervention may be required to address technical or compliance edge cases.

Two things. First, our conservation outreach handles retention automatically through AI-assisted voice and physical-mail follow-ups. Second, subject to the Independent Contractor Agreement, the operator's flat fee may be deducted from a future payment cycle via the clawback mechanism if a policy lapses within the 60-day window. The agency owner retains any carrier-side chargeback exposure.