OPTIONAL LICENSED SUPPORT
Protecting the Plan You've Prepared
Preparation isn’t only about knowing what needs to happen. It’s also about making sure the resources are there when they’re needed.
As you work through PrepareLegacy, you may identify immediate expenses, ongoing financial responsibilities, or long-term family needs that would have to be handled after a death.
If you’re unsure whether the life insurance currently in place would be enough to help meet those needs, Eric and Cheryl Lugo—PrepareLegacy founders and licensed life insurance agents—are available to help you take a closer look.
Optional • No obligation • Separate from your PrepareLegacy membership
Sometimes Preparation Reveals More Than an Information Gap
PrepareLegacy helps you organize important information and understand what your family may need to manage if something happens to you.
But some needs can’t be solved with organization alone.
You may discover that the people you care about could face expenses or responsibilities that require more financial resources than are currently available.
A coverage review can help you better understand whether the protection already in place aligns with the needs you’ve identified.
A PRACTICAL SECOND LOOK
What Can A Coverage Review Help You Consider?
Every family’s situation is different. A review can help you look at the protection you already have in the context of the responsibilities you’ve uncovered through PrepareLegacy™.
Existing Life Insurance
Review the coverage currently in place, including the amount of protection and general purpose of each policy.
Immediate & Final Expenses
Consider whether sufficient resources may be available for final arrangements and other costs that could arise quickly.
Ongoing Household Needs
Look at expenses that may continue, such as housing, utilities, debts, transportation, and everyday household obligations.
Income & Family Protection
Consider how the loss of income could affect a spouse, children, dependents, or others who rely on you financially.
Beneficiaries & Long-Term Goals
Review how current coverage fits with beneficiary intentions and the broader financial protection you want to leave behind.
HOW THE REVIEW WORKS
A Simple Conversation Based on What You’ve Already Discovered
You don’t need to become an insurance expert or start over from scratch. The work you’ve already completed in PrepareLegacy™ can help guide the conversation.
Step 1
Review What You Have
We’ll begin with the coverage you already have and what you understand about it today.
Step 2
Consider What Your Family May Need
We’ll look at the expenses, responsibilities, income needs, and other considerations you’ve identified.
Step 3
Determine Whether A Gap May Exist
If your current protection appears to fall short, we can discuss available options and help you determine what—if anything—you want to do next.
This Is An Optional Resource
Your PrepareLegacy™ membership does not require you to purchase life insurance or Final Expense coverage.
The complimentary coverage review is simply an additional resource available if the preparation process raises questions about whether the protection currently in place is sufficient for your family’s needs.
You decide whether a review makes sense for you and whether you want to take any further action afterward.
PrepareLegacy™ remains valuable regardless of whether you ever purchase an insurance product.
WHEN YOU'RE READY
Want Help Taking a Closer Look?
If PrepareLegacy has raised questions about your current life insurance or the financial resources your family would have available, we’re here to help you evaluate the next step.