LEGACYInsurance Group
Male, Age 23
$150,000 Accidental Death Coverage
$22.10/mo
GUARANTEED ACCEPTANCE
Example prices. Photos are for illustration.
Life insurance companies and partners we work with
How getting life insurance works
Final Expense Insurance • Honoring Your Wishes
Final expense insurance covers the funeral, cremation and final bills, so your family doesn’t have to. It can also help pay to bring a loved one home to be laid to rest, wherever home is.
With final expense life insurance:
Your family shouldn’t have to start a GoFundMe or ask for help during the hardest week of their lives.
Final expense plans start around $20–$40 a month for most people.
Free quote. We don't sell your info.Been told no before?
Guaranteed acceptance life insurance: everyone ages 50–80, no health questions, $5,000–$25,000, rate locked for life. 2-year rule: natural-cause claims in the first 2 years return what you paid plus 10%. Availability varies by state.
Many people who think they need it actually qualify for day-one coverage that costs less. That check takes about ten minutes.
Guaranteed acceptance, explained →
Health insurance • Oregon, under 65
Buying your own health insurance, or got a letter that your plan is ending? For 2027, Oregon moved from HealthCare.gov to its own marketplace, Explore Health. We help you compare plans and sign up, in English or Spanish.
We also help people of any age in Oregon with dental and vision insurance.
Open enrollment: Nov 1, 2026 – Jan 15, 2027. Choose by Dec 31 for coverage that starts Jan 1, or by Jan 15 for coverage that starts Feb 1.
Left a job? It’s not just your health plan that ends. Dental, vision, life and accident insurance from work often end too. We can look at all of it in one call.
What to do if your health plan is ending →Dates as of October 2026.
What Our Clients Say
"I'm 72 and thought I couldn't get covered. They found me a plan. Very Grateful."
Glenda T.
"I found him to be a very caring, understanding person... finding me a life insurance policy I could afford."
Charlotte P.
"They made everything easy to understand. I finally have coverage and don't have to worry about leaving my kids with a bill."
Maria G.
"Incredibly pleased as I received amazing service from Gilbert Lopez. He was so patient and kind."
Sophine W.
"Gilbert has always taken the time to explain to me exactly what he is offering and giving me the options that suit my needs."
Leslie C.
What We Offer
I want to protect my family’s income
Coverage from $100K to $2M • Ages 18–70
Whole life vs term →Give them something that lasts
A gift a parent or grandparent sets up now — and the child keeps for life.
Ages 0–17
Learn more →I’ve maxed my 401(k) and want more room
A long-game product (10–20+ year commitment) for people who already fund their retirement accounts to the limit.
Extra protection in case of an accident
Mutual of Omaha • Ages 18–70
Retirement income • Annuities
Retired or close to it, with savings you want to last?
An annuity is a contract with an insurance company. Depending on the kind, it can pay you a check every month or earn interest until you need the money. Every guarantee is backed by the insurance company that issues it.
It isn't right for everyone. We'll go over what's guaranteed, what isn't, and what it costs to leave early, and you'll know how we're paid.
An annuity is an insurance contract, not a bank account, and it isn't FDIC-insured.
Common Questions
Less than most people think. LIMRA research found over half of consumers estimate life insurance at about three times its actual cost — and 54% admit their guess was pure gut instinct. In reality, final expense plans start around $20–$40/month for most people, and term life for a healthy 35-year-old can be under $25/month for $250K. The fastest way to know is our free rate calculator. It takes about a minute.
No. You can apply 100% online, start to finish. Or use the calculator: enter your name and phone number, and you'll see your prices in about a minute. Only Legacy Insurance Group will contact you. And whenever you want a human, we're one call or text away at 971-444-6449. Your choice, your pace.
Yes — and this surprises a lot of people. Many declines happened years ago, on a different type of policy than what you'd apply for today. Final expense insurance is built for people with health conditions — carriers approve controlled diabetes, blood-pressure medication, and past heart issues every day. And if your health is more serious, guaranteed acceptance life insurance accepts everyone ages 50–80 with no health questions. Accidents are covered in full from day one. 2-year rule: natural-cause claims in the first 2 years return what you paid plus 10%. Availability varies by state.
Yes. If you live in Oregon and you're under 65, we help you compare health insurance plans, recommend the one that fits you best, and help you sign up. We also help people of any age in Oregon with dental and vision insurance. Our help doesn't cost you extra. See how we help →
Yes. We help people close to retirement, or already retired, understand annuities. An annuity is a contract with an insurance company that can turn part of your savings into income. Every guarantee is backed by the insurance company that issues it. It isn't right for everyone. How annuities work →
Those plans charge $9.95 per unit, not per policy — and a unit buys less coverage the older you are. At age 70, one unit covers about $750, so $10,000 of coverage takes 13–14 units: $129–$139 a month. Every one of them also has a mandatory 2-year waiting period, even if you're healthy. Most people qualify for more coverage at a lower price with day-one coverage — here's the full breakdown.
“A good person leaves an inheritance for their children’s children.” — Proverbs 13:22
Ready?
See prices in 60 seconds, then talk with a licensed insurance agent who walks you through every option.
Free quote. We don't sell your info.
Prefer to do it yourself? Apply 100% Online
Visit Our Office
2267 Country Club Road, Woodburn, OR 97071 • Open Monday–Friday 9:00 AM–5:30 PM and Saturday 10:00 AM–3:00 PM, Pacific time.
Why I built this for Woodburn →