Protection. Prosperity. Peace of Mind.
Our licensed advisors work with the nation's most reputable and trusted carriers โ matching every family with the exact one whose coverage, requirements, and benefits fit their specific situation. One licensed advisor. Every option available.
"We don't sell policies. We conduct a complete health and financial inventory โ then place each client with the exact carrier whose standards they meet. We are advisors โ not salespeople."
โ Susan Linta, Agency President ยท First Family Life Legacy ยท Licensed Field Underwriter ยท NPN 21692174
"Every family deserves a licensed advisor who acts on their behalf โ not a salesperson working on quota."
First Family Life Legacy was built on a powerful conviction: access to the best life and wealth protection products should never be limited by a captive agent's contract. As an IMO partner of Family First Life โ the nation's largest IMO with $1B+ in uniquely placed policies โ and operating within the Integrity ecosystem, the nation's largest insurance distribution platform, we represent 20+ of the nation's most respected carriers. This gives us access to the broadest product shelf and deepest carrier relationships in the independent channel.
Every advisor on our team is a credentialed, state-licensed insurance agent and underwriter โ fingerprinted, registered in the FBI database, and fully vetted by both state and federal insurance agencies. We hold a professional license that carries the same binding legal and ethical standards as any other licensed professional regulated by the state.
We are also a premier platform for elite independent agents โ providing the technology, training, carrier access, and passive income architecture to build a six-figure practice faster than anywhere else in the channel.
We do all of this to protect you. We hold ourselves to the same standard of professional duty as any state-licensed, federally regulated professional. Our license, our livelihood, and our legal standing depend on serving you with complete integrity โ every time.
Every engagement begins with a licensed advisor conducting a complete health and financial inventory โ ensuring the right carrier match, every time. No sales quotas. No pressure.
Every policy we place represents a family protected, a mortgage secured, a legacy preserved. This is why we do what we do.
Every family's situation is unique. Let us find the right solution for yours.
Schedule an AppointmentโToday my coworker and I went to a client who had a small $43 a month policy graded. We shopped around for her and changed her to a whole life policy for the same benefit โ and saved her money on top of it. She thanked us greatly, which makes my day.โ
Families We Serve โ Across Every Background
We are appointed with 20+ A-rated national carriers โ giving every client access to the widest range of life and wealth protection products available, matched precisely to their profile.
Not all carriers available in all states. As a partner of Family First Life โ the nation's #1 IMO โ we carry the carrier depth and underwriting relationships behind $1 billion in uniquely placed policies. Our loyalty is to you, not to any carrier's quota.
"My advisor conducted the most thorough review I've ever experienced โ and found me a policy I didn't even know I qualified for at a price I couldn't believe. This is what insurance advisory should look like."
โ Client Review ยท Google
The most powerful wealth-building strategies aren't just about earning more โ they're about keeping more. Our IUL and annuity specialists structure retirement income to minimize tax exposure and maximize the financial legacy you leave your family.
A deliberate, advisor-led process โ where our licensed advisors are also trained underwriters, following carrier guidelines precisely so your family gets the right coverage, placed correctly, the first time.
A focused appointment with your licensed advisor and underwriter โ no sales pitch, no pressure. We take the time to understand your goals, your health history, your family's needs, and your budget before any recommendation is made.
Our advisors are the underwriters. We assess your complete health and financial profile using the same criteria the carriers use โ identifying exactly which carriers will approve you, at what terms, and at the best available rate. No surprises at the finish line.
We match your profile across 20+ A-rated trusted carriers and place you with the exact one whose underwriting standards, product benefits, and pricing align with your specific situation. One advisor. Every option. Best fit guaranteed.
Your policy goes into effect when the carrier approves your application and processes the first monthly premium draft from your bank account. From that moment forward, your coverage is active and in good standing as long as your monthly bank draft is paid and honored. We remain your advisor for the life of the policy โ always in your corner.
The #1 question we hear: "Why do you need my Social Security number and bank account?"
It is a fair question โ and you deserve a straight answer.
๐ Share this page directly: ffllegacy.com/index.html#faq
Your Social Security number is the only number that appears on a death certificate. When the time comes, the insurance carrier uses it to verify your identity and release the death benefit to your named beneficiaries.
Your Social is also the only consistent identifier that links your records across every medical provider and service you have used. Carrier underwriting relies on the MIB (Medical Information Bureau) โ the insurance industry's standard verification system โ to securely pull those health records and confirm your health history in full compliance with HIPAA. This is how the carrier accurately verifies any health conditions and underwrites your policy โ a critical, required step in every approval.
Without your Social, the carrier cannot verify who you are โ and cannot guarantee your family gets paid.
Insurance carriers do not accept credit cards, debit cards, Venmo, Zelle, or Cash App. The only payment mechanism they accept is a direct bank draft โ a monthly ACH pull directly from your checking or savings account.
This is a carrier requirement โ not ours. The reason is simple: a validated bank account is the only payment method that guarantees your policy stays active. A declined card means a lapsed policy. A lapsed policy means your family has no protection.
Your bank information goes directly to the carrier through encrypted, secure channels. We never store it.
Every advisor on our team is state-licensed, fingerprinted, and background-verified. You are working with credentialed professionals โ not anonymous licensed advisors.
All information is handled in strict compliance with HIPAA and federal privacy laws. Your health and financial data is transmitted securely and directly to the carrier. It is never sold, stored by us, or used for any other purpose.
A valid government-issued photo ID is also required โ verified by your advisor at time of application.
Every piece of information requested is required by the carrier โ not us โ and exists for one reason: to make sure your family receives every benefit they are entitled to when they need it most. This is how you protect them. We are here to make that process as clear and comfortable as possible.
"I built this advisory firm because every family deserves an advisor who acts purely on their behalf โ not a salesperson working toward a quota. Our clients come first, every time."
Susan Linta is the President and Agency Principal of First Family Life Legacy โ a premier independent insurance agency built on 20+ years of real-world business expertise. Licensed in nationwide and appointed with 20+ of the nation's top-rated carriers, Susan established the agency with a singular mission: to raise the standard of life and wealth advisory in the independent channel.
As a Licensed Field Underwriter, Susan conducts complete health and financial inventories on behalf of the carriers she represents โ matching each client to the exact product and carrier whose standards fit their specific profile. This eliminates declined applications, maximizes value, and builds lifelong client relationships.
Susan is equally committed to building and developing elite agents โ providing the technology, training, carrier access, and passive income architecture needed to build a six-figure practice with speed and confidence.
๐ View / Download Digital CardEvery advisor on our team is state-licensed, FBI fingerprinted, and specializes in matching families with the right coverage. Meet the people behind your protection.
Meet Our Team โOver 92% of agents quit because this business is too hard โ too many variables, too many systems, no real support. We change that. First Family Life Legacy streamlines everything: tools, training, leads, and carrier access โ so you can focus on one thing: building a top-producing book of business.
We are looking for top, motivated, self-disciplined agents who want to build something significant. Your success is our success. Apply, and we will schedule your interview. We invest fully in the agents we select.
Our advisors conduct a complete health and financial inventory โ then match you with the exact coverage your situation demands. Book your appointment to get started.
After-hours and weekend appointments by special appointment only. Minimum 8 business hours advance notice required.
Book your full-service evaluation. We review your situation before we meet so your time is well spent.
๐ Schedule an AppointmentTell us about your situation โ we'll reach out to schedule your full-service evaluation.
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