Trusted Family Insurance Advisors ยท Serving Families Nationwide

Where ProtectionMeets Prosperity.

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.

Full
Evaluation
20+
Years Experience
Top
Trusted Carriers
Best
Coverage Match
NW
Nationwide
Private wealth management partnership meeting โ€” First Family Life Legacy
Your trusted advisor.
Clarity, confidence, and coverage.
View Our Trusted Carriers โ†’
Nation's Top Carriers
Best match. Every client.
Full-Service Evaluation
Complete health inventory
Licensed Advisor โ€” Not a Salesperson
Health & Financial Inventory
Approval-First Placement
FBI Fingerprinted & Vetted
Nationwide Coverage ยท All Top Carriers
20+
Years of Real Business Expertise
Agency leadership built on two decades in the field
NW
States Licensed Nationwide
Serving families in every state
20+
A-Rated Carrier Appointments
Matched to the best carrier for your exact situation

"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

Complete family and wealth protection โ€” home, life, savings, financial security
Asian multigenerational family enjoying time together outdoors
20+
Years Real
Business
Expertise
Serving Families
Nationwide
Who We Are

A New Standard for Independent Insurance.
Licensed. Vetted. Trusted.

"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.

Our Professional Credentials
โš–
Professionally Licensed & Regulated
State-issued license with binding legal obligations, mandatory continuing education, and full regulatory oversight by state and federal agencies
๐Ÿ”’
FBI Fingerprinted & Registered
Every advisor is background-cleared at the federal level before ever meeting a client
Identity verification โ€” biometric fingerprint and data protection shield
๐Ÿ›ก
State & Federal Agency Vetted
Fully vetted by state insurance departments and federal carrier requirements
๐Ÿ”
Your Privacy. Always Protected.
HIPAA-compliant. Federal privacy laws enforced. Your data is never sold or shared.

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.

โœ“
State-Licensed Agents & Underwriters
โœ“
FBI Fingerprinted & Registered
โœ“
State & Federal Agency Vetted
โœ“
20+ Nation's Top Trusted Carriers
โœ“
HIPAA & Privacy Compliant
โœ“
Highest Integrity Standards
โœ“
Licensed Advisors โ€” Not Salespeople
Our Products

Complete Life & Wealth Protection

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.

Full suite of insurance protection products
Family on their lawn โ€” mortgage protected
Asian family in front of their home
African American family in front of their home
Mortgage Protection

Your Home. Your Family. Protected.

If something happens to you, your family keeps the home โ€” not the bank. We match your mortgage balance, timeline, and health profile to the exact carrier whose terms you qualify for.

Term ยท Level ยท ROP ยท CBO
Multigenerational family together at home โ€” protected by life insurance
Life Insurance

Their Future. Secured.

Term and permanent life insurance matched to your health history and financial goals. From $25,000 to multi-million dollar policies โ€” placed with the carrier whose underwriting fits your profile.

Term ยท Whole Life ยท Universal Life
Happy senior couple enjoying a beach getaway โ€” final expense peace of mind
Final Expense

Dignity. Preserved.

Permanent coverage ensuring your family is never burdened by end-of-life costs. Level and graded options available for virtually every health profile โ€” ages 40 to 85.

Level ยท Graded ยท Guaranteed Issue
Umbrella and shield protecting growing gold bars โ€” IUL growth and protection
IUL ยท Indexed Universal Life

Grow. Protect. Leave a Legacy.

Build tax-advantaged cash value linked to market index performance โ€” with a zero-loss floor. Access it tax-free in retirement. Leave a legacy. All inside one powerful permanent policy.

Accumulation ยท Protection ยท Legacy
Coins growing โ€” guaranteed income building over time
Fixed & Fixed Index Annuities

Guaranteed Income. Zero Market Loss.

Fixed Annuities and Fixed Index Annuities protecting your retirement savings from market downturns while participating in index gains. Guaranteed lifetime income you cannot outlive.

Fixed ยท FIA ยท MYGA ยท Lifetime Income
TAX FREE โ€” keep significantly more of what you earned
Tax-Free Retirement

Keep More. Give More. Live Free.

IUL and annuity strategies structured to eliminate your tax burden in retirement. Keep significantly more of what you earned โ€” and enjoy complete financial freedom on your own terms.

IUL ยท Fixed Annuity ยท FIA ยท 401K Alternative
Families We Protect

Real Families. Real Protection.

Every policy we place represents a family protected, a mortgage secured, a legacy preserved. This is why we do what we do.

Family protection
Every Generation, Protected
Life Insurance ยท Mortgage Protection
Home protection
Your Home. Secured.
Mortgage Protection
Multigenerational family in the park with their dog
Grandparents & Legacy Planning
Final Expense ยท Life Insurance
Diverse multigenerational family portrait
Wealth Built to Last
IUL ยท Tax-Free Retirement
Three generations father son grandson
Generational Legacy
Annuities ยท Wealth Transfer
Veterans community outreach
Licensed advisor consulting with veteran couple
๐ŸŽ– Veteran Services & Benefits
We honor those who served โ€” with the coverage and benefits they've earned.

The VA and Medicare were not built to protect your family. Most life insurance and whole life products fall completely outside what veterans receive through government programs โ€” leaving families exposed.

Our specialized, elite licensed advisors review every available product and work directly with each veteran and their family to build coverage that fits their budget, their health profile, and their mission to protect the people they served to come home to.

Every family's situation is unique. Let us find the right solution for yours.

Schedule an Appointment
โ˜…โ˜…โ˜…โ˜…โ˜…

โ€œToday 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€

Matt Rosenberg ยท Google Reviews

Families We Serve โ€” Across Every Background

Asian multigenerational family outdoors
Every Generation
Diverse multigenerational family portrait
Every Background
Three generations โ€” father, son, grandson
Every Family
Our Carrier Partners

Access to the Nation's MostTrusted Carriers.

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.

20+
A-Rated Carriers
A+
Top Rating Held
100%
Independent
Americo
Americo
Life ยท Final Expense ยท IUL
A ยท Excellent
Mutual of Omaha
Mutual of Omaha
Final Expense ยท Term ยท IUL
A+ ยท Superior
Transamerica
Transamerica
Life ยท Final Expense ยท IUL
A ยท Excellent
National Life Group
National Life Group
IUL ยท Term ยท Annuity
A ยท Excellent
Aetna / CVS
Aetna / CVS
Final Expense ยท Life
A ยท Excellent
Corebridge
Corebridge
Final Expense ยท Life
A ยท Excellent
Athene
Athene
Fixed Annuity ยท FIA ยท MYGA
A ยท Excellent
F&G Life
F&G Life
Final Expense ยท FIA
A ยท Excellent
Ethos Life
Ethos Life
Term ยท Whole Life
A ยท Rated
Foresters
Foresters
Life ยท Final Expense
A ยท Excellent
American Amicable
American Amicable
Final Expense ยท MP
A ยท Excellent
Aflac
Aflac
Supplemental
A+ ยท Superior

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.

โ˜…โ˜…โ˜…โ˜…โ˜…
"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

Tax-Free Wealth Building

Build Wealth ThatWorks For You.

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.

0%
Tax on IUL policy loans
0%
Market loss floor on Fixed & FIA
100%
Index upside participation
โˆž
Generational legacy potential
Explore Tax-Free Strategies
Yr 5 Yr 10 Yr 20 Yr 30 TAX-FREE GROWTH POTENTIAL Illustrative index-linked account value over a 30-year horizon
Our Process

How We Protect 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.

1

Book Your Full-Service Evaluation

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.

2

Underwriting & Profile Assessment

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.

3

Carrier Matching & Placement

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.

4

Protected for Life

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.

โ˜… #1 Question From Every Client
Your Privacy & Security

We Know This Feels Personal.
Here Is Exactly Why It Is Required.

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.

๐Ÿ”— Share this page directly: ffllegacy.com/index.html#faq

๐Ÿชช

Why We Need Your Social Security Number

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.

๐Ÿฆ

Why We Need Your Bank Account

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.

๐Ÿ”’

How Your Information Is Protected

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.

โœ…
The Bottom Line

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.

Agency Principal

Leadership Built on Real Expertise

Susan Linta
Susan Linta
President & Agency Principal ยท Licensed Field Underwriter
NPN ยท 21692174
"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.

๐Ÿ“‡ View / Download Digital Card
20+
Yrs Experience
NW
Coverage
20+
Carriers
100%
Independent
Our Licensed Advisors

Meet the Full Team

Every 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 โ†’
Join Our Team

Join Our Team.Build Your Business.

Over 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.

Technology & Lead Systems
GoHighLevel CRM, automated follow-up, self-generated lead pipelines, and digital tools that give you a decisive advantage over every captive salesperson in your market.
Elite Training & Mentorship
Proprietary onboarding, carrier certification, live dial sessions, sales scripting, objection handling, and direct 1:1 mentorship from a 20+ year business expert.
Premium Carrier Access
Immediate appointment with 20+ A-rated carriers through our FFL IMO and Integrity platform relationships โ€” Mutual of Omaha, Americo, Transamerica, National Life Group, Corebridge, and more. You own your contracts. No captive restrictions. Ever.
Passive Income Architecture
Build a team and earn residual/passive income on every policy they write. This is how real wealth is built in this industry โ€” income that compounds as your team grows.
Apply Now โ€” Limited Positions
Agent Compensation Structure
New Agent
0โ€“1 year ยท full training included
80%
Consistent Producers
Comp climbs monthly with consistent production
140%
Experienced Agent
2+ years experience
90%
Residual / Passive Income
On your team's production
โˆž
Agents own their contracts and carrier relationships. No non-competes. No captive restrictions. You build your practice your way โ€” with our full infrastructure behind you.
Everything Included
GoHighLevel CRM
Lead Generation Systems
20+ Carrier Appointments
FFL IMO Partner Access
Integrity Platform Tools
1:1 Mentorship
Script & Sales Training
Carrier Cheat Sheets
Digital Business Card
Passive Income Tracking
Underwriting Guidance
Team Building Support
Apply for Your Interview โ†’
Schedule Your Appointment

Ready to Protect Your Family?

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.

๐Ÿ“ž
Phone & Text
Call or text during business hours
โœ‰๏ธ
Email
Response within one business day
๐Ÿ“
Headquarters
Greater Boston Area, Massachusetts
Serving Families Nationwide
Business Hours โ€” Eastern Time
Monday โ€“ Friday9:00 AM โ€“ 7:00 PM EDT
Saturday โ€“ SundayBy Special Appointment

After-hours and weekend appointments by special appointment only. Minimum 8 business hours advance notice required.

Ready to Get Protected?

Book your full-service evaluation. We review your situation before we meet so your time is well spent.

๐Ÿ“… Schedule an Appointment

Send a Message

Tell us about your situation โ€” we'll reach out to schedule your full-service evaluation.

SCHEDULE YOUR FULL-SERVICE EVALUATION

Agent & Team Portal

Access training, carrier resources, CRM dashboard, and production tracking.