HCG Legacy
Platinum Solution Legacy Plan (HCG Legacy), underwritten by the American Amicable Group is a Final Expense whole life insurance offering providing you, and your loved ones, with peace of mind both during your life and after you pass away.
Featuring Everest Funeral Concierge Services
With HCG Legacy Plan, you will automatically have access to Everest Funeral Planning and Concierge Services!
Everest’s 24/7 Advisors provide peace of mind and confidence when making difficult funeral-related decisions. Plus, Everest Advisors will work with American Amicable Group of Companies to help expedite the payout of your life insurance!
With HCG Legacy, you have financial support, planning resources and advocacy services – all in one product!
Features & Benefits
HCG Legacy Plan coverage will provide cash payments to your loved ones when you pass away. Plans are available from $2,500 – $50,000 (in flexible increments), so you can rest easy knowing your final expenses will be covered.
Plus, HCG’s Legacy Plan includes living benefits – cash payments you can access if diagnosed with a terminal illness or confined to a skilled nursing facility.
Included Benefit Features (at no additional cost!)*:
TERMINAL ILLNESS ACCELERATED DEATH BENEFIT RIDER
You can receive payment up to 100% of the death benefit of your Platinum Solution Legacy Plan policy if diagnosed as Terminally Ill.
ACCELERATED BENEFITS RIDER-CONFINED CARE
With this benefit if you are confined to a nursing home at least 30 days after the policy is issued, you can receive a monthly benefit equal to 5% of the face amount per month. This rider is available on the Immediate Death Benefit Plan only.
Optional Policy Riders Include:
GRANDCHILD RIDER
Provides valuable coverage on your grandchildren and great grandchildren ($5,000 per unit, maximum 2 units) at the rate of just $1.00 per month per grandchild or great grandchild for each unit selected.
CHILDREN’S INSURANCE AGREEMENT
Provides up to $6,000 of term insurance on your children. Not available on ROP Plan.
NURSING HOME WAIVER OF PREMIUM RIDER
Waives premium payments during the Insured’s confinement in a qualified nursing home after 90 days of continuous confinement when the care is recommended by a physician after the rider is in effect. Available only on the Immediate Death Benefit Plan.
ACCIDENTAL DEATH BENEFIT AGREEMENT
Provides additional coverage in the event of death by accident up to the face amount of the policy. Available up to age 80 and benefit remains in effect until age 100. Not available on ROP Plan.
*Not all plan features are available in all states and are a function of individual qualification requirements.
[1] Gallup, ‘How Many Americans Have a Will?’, June 2021, [2] The National Funeral Directors Association, 2023, [3] CNBC, ‘The average millennial has over $4,000 in credit card debt – other generations have more’, August 2023
How It Works
HCG Legacy Plan offers policyholders a range of coverage options, with plans offering, immediate, graded and return of premium death benefits. HCG Legacy offers high acceptance rates and qualifying is as simple as answering eight health eligibility questions. This coverage is accessible and affordable for Americans up to age 85. Plus, the Everest Funeral Concierge Services provide valuable benefits to you and your loved ones, enabling increased peace of mind. Losing family or friends is an immense emotional burden, one which should not be amplified or ignored due to logistical or financial concerns. Contact an HCG specialist by clicking here or calling 844-424-2757, and get organized for those you love most today!
Rate Calculator
HCG Legacy Quoting Tool
Use our Legacy Quoting tool to price different HCG Legacy options.
Choose your coverage amount – ranging from $2,500 – $50,000.
