How Do I File A Claim?

When a Life Legacy policyholder dies, it’s the responsibility of the beneficiary named on the policy to contact the insurance company to file a death claim. The insurance company will assist the beneficiary with the claim process. This is why it’s important to share with your beneficiary / nonprofit the policy you’ve taken out for them.

What Happens When My Coverage Term Ends?

First off, we’re glad that you’re still alive! If you’d like to renew your policy please reach out to – we’ll be happy to help you get a new policy. Please be aware, renewing your coverage will decrease and your premium will increase (at an older age).

How Do I Cancel My Policy?

We get it, life changes! Cancel your policy any time, free of charge. To cancel your policy, login into your account by visiting and selecting ‘My Profile’ and clicking the ‘cancel policy’ button. You may also email to cancel your policy or by ceasing to pay your monthly premiums, which will cause a lapse. Either way, we will never charge you a cancellation fee. That’s our promise.

How Do I Pay My Premium And Update Billing Information?

We offer monthly payments via debit or credit card from the following providers: Visa, Mastercard, Discover, or American Express. Payments for Life Legacy will be automatically drafted the same date your policy was issued unless you change your payment date before you activate your coverage.
To update or change your payment method, please go to your account at and click on the ‘Billing’ tab, then click the ‘Change Payment Method’ button.
If you experience any difficulty changing your payment method, don’t hesitate to reach out to – we’re happy to help!

Will My Premium Change Over Time?

Never! That’s our promise. All term policies offered by Life Legacy have level premiums. This means that the price of your policy will never increase during your term—even as you age or if your health changes.

How Long Does It Take For A Claim To Get Paid?

We try to evaluate and process claims as quickly as possible. However, it may take a little time, depending on the information that is presented at the time of claim. To further help your nonprofit beneficiary receive the legacy giving benefit, we encourage you to provide them with a copy of your policy as part of your estate planning process. Or simply provide your nonprofit beneficiary with your insurance company’s full legal name so they are able to contact the insurance company, if needed.

Do I Get A Refund If I Cancel My Policy?

Yes, you’re eligible for a full refund if you cancel your policy during the first 30 days. After the first 30 days, you may cancel your policy anytime for no additional cancellation fee. However, you will not be refunded for previous premium payments.

What Happens If I Miss A Payment?

Don’t fret! If you miss a payment, you will have a 30-day grace period to add a new payment method (or 60 days in California). During this period, your coverage is still active. Send us an email at, we’re more than happy to make sure your policy and payments are taken care of.

How Do I Change My Beneficiaries/Nonprofits?

To change the nonprofit(s) you’ve elected as your policy beneficiaries, please email us at We’ll be happy to immediately assist you with updating your current beneficiary or beneficiaries.

How Do I Access My Policy Details?

You can find your policy details once your policy is activated. To access, simply login into your account and select ‘My Profile’ to see your policy information and account details. If you have trouble accessing your account, please let us know by emailing