We believe clear insurance starts with clear disclosure. This page explains, in plain language, who we are, how we are paid, how we communicate (including our use of automation and artificial intelligence), and what our quotes do and don't mean.
1. Who we are
LegacyLife Partners LLC is an independent life insurance agency licensed in all 50 states. We are not an insurance company: we do not underwrite or issue policies. Products discussed on this site are underwritten and issued by third-party insurance companies.
- Licensed agent: Calvin Barash, National Producer Number (NPN 20397543)
- States where we operate: licensed in all 50 states
- Principal office: 525 E Big Beaver Rd, Troy, MI 48083
LegacyLife Partners is not affiliated with, connected to, or endorsed by any government agency, including any federal or state mortgage, housing, or benefits program. This site is not part of the Facebook website or Meta Platforms, Inc., and is not endorsed by Meta in any way.
2. How we are paid
Quotes and consultations are free to you. If you purchase a policy, the issuing insurance company pays LegacyLife Partners and/or its licensed agents a commission. Commission rates can vary by insurance company and product, which is why we disclose it: our job is to show you options clearly so you can judge the fit yourself. You never pay LegacyLife Partners a fee for quotes or advice, and consenting to be contacted obligates you to nothing.
3. What our quotes mean
- All figures presented before an insurance company issues a policy are estimates, based on the information you provide.
- Final rates and eligibility are determined by the insurance company's underwriting. Your age, health, coverage amount, term length, and state all matter.
- Coverage is not in force until an insurance company issues the policy and premium is paid.
- Living benefitsrefer to riders (such as accelerated death benefits for critical, chronic, or terminal illness) that vary by insurance company, product, and state, may involve additional cost or a reduced death benefit when exercised, and are subject to each company's terms. Ask your agent for the specific rider details before relying on them.
- Indexed universal life and annuities:any illustration is hypothetical and not a guarantee. Index-linked crediting can be zero in a given period, surrender charges and fees may apply, and guarantees depend on the claims-paying ability of the issuing insurance company. Ask your agent for the company's own illustration and disclosures before you decide.
- Product availability, features, and rates vary by state and are subject to change by the insurance companies.
4. Educational content
Content on this site is for general education only. It is not insurance, financial, legal, tax, accounting, or investment advice, and it is not a formal illustration of any specific policy. Insurance recommendations are made only by licensed agents based on your individual situation. Any guarantees described are subject to the claims-paying ability of the issuing insurance company. Always consult qualified professionals before making financial decisions.
5. Communications and consent
If you check the consent box on our quote form or on the chat on this site, or ask one of our agents to contact you, you authorize LegacyLife Partners LLC and a licensed insurance agent to contact you at the number and email you provided by phone call, SMS text message, and email, including through automatic telephone dialing systems and prerecorded, artificial, or AI-generated voice messages.
- Consent is not a condition of purchasing any goods or services.
- Message frequency varies; message and data rates may apply.
- Revoke at any time: reply STOPto any text, use the unsubscribe link in any email, tell any caller "put me on your do-not-call list," or email support@legacylifepartners.us. We honor revocations promptly and maintain an internal do-not-call list.
- Call recording: calls may be monitored, recorded, and transcribed (including by automated tools) for quality, training, and compliance. Where required by law, you will be notified at the start of the call.
- Full text-messaging program terms are in our Terms & Conditions, and how we handle your information is in our Privacy Policy.
6. Our use of artificial intelligence
We use automation and AI tools in parts of our operations, and we disclose it plainly:
- Voice: some outbound or follow-up calls may use an AI-generated or prerecorded voice. These calls are made only with the consent described above, and you can transfer to a live licensed agent or opt out at any time during the call.
- Text and email: some messages may be drafted with AI assistance and reviewed under our quality standards.
- Chat: the chat on this site is answered by our team. If an automated assistant is ever used, it will be labeled as such.
- Operations: we may use AI for transcribing calls, summarizing inquiries, routing requests, and quality review.
- What AI never does: AI does not decide whether you qualify for coverage, what you pay, or what you should buy. All insurance recommendations are made by licensed human agents, and all underwriting decisions are made by the issuing insurance company.
- Your escape hatch: you may request a live human agent at any time, in any channel, and we will connect you.
- Accuracy:AI-assisted content and communications can contain errors. Policy terms are governed solely by the insurance company's documents. Confirm anything important with your licensed agent and your policy paperwork.
7. Testimonials and statistics
If this site displays testimonials or reviews, they reflect the genuine experience of real clients who consented to their use; individual results vary and no compensation was provided unless stated. Any statistics we publish will be sourced and verifiable. We do not use fabricated reviews, endorsements, or performance numbers.
8. Accessibility
We want this site to be usable by everyone. If you have difficulty using any part of it, contact support@legacylifepartners.us or (586) 980-1150 and we will assist you directly and work to fix the issue.
9. Questions or complaints
Contact us first. We take complaints seriously: support@legacylifepartners.us · (586) 980-1150 · 525 E Big Beaver Rd, Troy, MI 48083.
You may also contact your state department of insurance, which regulates insurance agencies and agents in your state.
LegacyLife Partners LLC · 525 E Big Beaver Rd, Troy, MI 48083 · Licensed in all 50 states · Calvin Barash, NPN 20397543