Legacy Insurance Agency - Life Insurance & Retirement Planning

09/30/2026

Now Is The Time for IBC - Imagine having your own private system for financing. Protect your family, grow your weatlh and leave a tax free legacy.

09/23/2026

Dividend checks are nice! 🤩 Contact us to learn how you can get mailbox money 📪 💵

09/23/2026

Congratulations they said...

Now you can really start growing with our AI package, it's 50% OFF.

09/23/2026

The Federal Reserve just made their latest rate announcement, and they're raising interest rates.

But, what does that mean for you and your money? Sure, if you have outstanding loans and credit, it could mean more lost money...

The good news is, you can change the picture going forward.

Here is a contrarian view from the lens of Nelson Nash and practitioners of the Infinite Banking Concept (IBC).

The interest rates don't matter. It's the volume of interest we pay to others.

Why? Because we have no control over what the Fed and FOMC decide to do.

But, we can control our behavior, how our money flows. And we can store it in a system that we own and control, giving us access to the banking function, so we never have to depend traditional banks for lending and can recover those costs.

I just broke down the mechanics of how IBC works, and the paradigm shift in thinking that has to take place for you to become the banker, in a new video.

👇 See the full video on our website: https://legacyinsuranceagency.com/video-blog

09/21/2026

Many people pass on long term care insurance because they think it’s too expensive. But the costs of not having it could be much more. Here’s a strategy that might help.

Here is a strategy most people have never heard of, and it could be one of the most powerful moves in all of retirement planning.

A new article from LTCI Partners' Tom Riekse Jr. walks through a real scenario: a 70-year-old client tries to buy traditional long-term care insurance, but the premium is too expensive, or they get declined in underwriting. But that same client owns a deferred non-qualified annuity worth $200,000, sitting well past its surrender period.

Through a 1035 exchange, that $200,000 annuity can be repositioned into an Annuity/LTC plan, turning it into $600,000 of long-term care benefits, paid out at $8,333 a month for 72 months. Because the LTC benefits are tax-qualified, they come out completely tax-free. That is a way to extract the gains from an annuity WITHOUT a taxable event, a massive advantage for annuities with large embedded gains.

Annuity/LTC plans also tend to have more flexible underwriting, which makes this option accessible to clients who could not qualify for traditional or hybrid coverage in the first place.

If you have an old annuity just sitting there, do not assume its only job is to eventually be withdrawn and taxed. It might be the exact tool that funds your long-term care protection instead.

Read the full article - link in the first comment.

09/16/2026

From my longtime friend (before nice phone cameras) Tom Hegna, author of Don’t Worry-Retire Happy!

“There is a term in a new Kiplinger article that every retiree needs to understand: the portfolio 'death spiral.'

Here is how it happens. If you are overly invested in stocks and forced to take systematic withdrawals during a down market, those withdrawals amplify the damage. You are selling more shares at lower prices just to generate the same income, which leaves fewer shares left to participate when the market eventually recovers. That is how a market downturn turns into a portfolio that never fully recovers.

Author Ken Nuss makes a point I could not agree with more: only THREE things can offer guaranteed lifetime income. A traditional pension, which is increasingly rare. Social Security. And a lifetime income annuity, which lets you create your own private pension by converting a portion of savings into income you cannot outlive.

Everything else, savings accounts, stocks, bond funds, can produce income. But that income stream varies, and varying income is exactly what feeds the death spiral when markets turn against you.”

This is exactly why guaranteed lifetime income is crucial for retirement. Cover your essential expenses with income that cannot be pulled into a death spiral, and the rest of your portfolio is free to actually recover when markets eventually do.

Read the full article below👇and let us know if we can help.

09/14/2026

When a parent dies, the family is left with expenses like funeral and burial costs, medical expenses, mortgage or rent, car loans, credit card debt, taxes, education costs, etc. Life insurance can take care of these expenses.

If someone depends on you financially, it’s a topic you shouldn’t avoid. Contact us today to learn how to protect the ones you love.

Life insurance isn't for the people who die, it's for the people who live. Contact us to review yours today. http://legacyinsuranceagency.com 

09/11/2026

There's a lot of noise out there, but there's one asset that's paid dividends every year for well over century. And, the truth is, it does a lot more than that.

Learn the truth about whole life and how to make your dollars work harder in this post:

09/10/2026

Simply put, from the Director of the Nelson Nash Institute.

09/04/2026

What about business loans? Do you have an emergency fund, a storehouse of capital, that you have access to?

In this condensed episode of Legacy Money, CPA Bryan Bloom, and I broke down exactly why relying only on traditional banking for lending can break a small business when you need access to cash.

Unfortunately, most entrepreneurs think they can count on loans and lines of credit to cover the natural ups and downs of cash flow, to buy inventory and make payroll. But history tells a completely different story.

When the market crashed in 2008, banks stopped lending.

When COVID forced closures, the companies that went under weren't always the weak ones, they were the ones dependent on bank liquidity that suddenly vanished.

The businesses that survived had stored up their own capital.

Watch this video to find out how to insulate your business from risk.

If you run a business, you can create your own private reserve that you can access when you need cash flow.

Contact us if you’d like to review your options.