Frequently Asked Questions

LegacyCore is an AI-first insurance agency, not a SaaS vendor. The agency operates a coordinated set of AI components that handle major stages of the final expense lifecycle: lead intake and routing, an AI voice agent that handles the call, a carrier-portal automation layer that submits applications, post-sale conservation outreach, and an internal compliance and TCPA/DNC monitoring layer. Licensed 1099 submission-node operators host the carrier-portal automation 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 carrier-portal automation 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 implements enterprise-grade security including: Row-Level Security (RLS) in the database ensuring users only access their own data, bcrypt-hashed API keys, comprehensive Content Security Policy (CSP) headers, webhook signature verification for all external integrations, and practices aligned with TCPA requirements and applicable data-protection frameworks. All data is encrypted in transit and at rest.

Yes, LegacyCore includes an enterprise-grade bulk import system that supports CSV uploads with intelligent field mapping. The system recognizes 60+ different field name variations and achieves a 99%+ import success rate. You can validate your import before committing it, and detailed error reports 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 lead type: customer-service leads at the higher tier, regular inbound leads at the standard 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 host the carrier-portal automation locally on their machines, where it fills carrier e-applications under the operator's licensed account in real time while the AI voice agent keeps the client on the line. It runs as a real browser session on the operator's machine. When an application is ready, the automation can stage multiple eligible carriers in parallel and pivot to the next carrier if the primary one declines. The operator hosts the automation and monitors its health.

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 (close rate, latency, transfer rate), carrier success rates across the parallel staging waterfall, conservation outreach retention effectiveness, TCPA / DNC compliance audit trails, and overall system health (kill switch status, platform health, voice agent capacity, conservation outreach effectiveness). Real-time dashboards powered by Supabase real-time subscriptions.

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. The AI voice agent handles the call workflow: lead qualification, structured health-question collection, policy selection, and walking the client through their own electronic signature execution. The operator's role is to host the carrier-portal automation locally 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.