LIVING LEGACY®
FINAL EXPENSE LIFE INSURANCE
An instant-decision whole life insurance product designed to help cover funeral expenses and other end-of-life debts that your client’s family may face in the event of death.
Key Benefits
Up to $35,000 of coverage1
With no exam and competitive pricing.
Two Plans Available
Customers can qualifyfor the Level (Preferred/Standard) or Modified Benefit plans based on health history.
Instant Decision
100% of the time witha few simple medicalquestions.
Face-to-Face or Telephone Sale
Instant decision digital app (accessible through smartphone, tablet, or laptop) for face-to-face or telephone sales.
Funeral Planning Concierge Service2
Full family access to a nationwide funeral planning and built-in concierge service provided.
Create a Will
Clients can create a lasting legacy (including a will), and also make sure that their loved ones can find everything left for them when it is needed with LegacyShield.®2
LIVING LEGACY® FINAL EXPENSE INSURANCE PRODUCT SPECIFICS
FEATURES
DESCRIPTION
Product Design
Living Legacy® final expense insurance is a whole life product particularly suited to the senior market. It is a simplified-issue, instant-decision product and features a two-tier classification. Customers can qualify for the Level or Modified Benefit plans based on health history.
DEATH BENEFITS, AMOUNTS, AND RISK CLASSES
Level Benefit
(Preferred/Standard)
Modified Benefit
(may vary by state)
Death Benefit
Full death benefit all years (less outstanding debt)
Year 1 – 105% of the premiums paid to date (less outstanding debt)
Year 2 – 110% of the premiums paid to date (less outstanding debt)
Year 3+ – Full Death Benefit payable (less outstanding debt)
In the event of accidental death, full death benefits are paid from the first day of coverage.
Min./Max. Face Amounts Minimum:
$2,500
Maximum:
Preferred Non-Nicotine
Ages 50-75: $35,000
Ages 76+: $25,000
Standard Non-Nicotine & Nicotine
Ages 50-75: $25,000
Ages 76+: $20,000
Ages 50-75: $20,000
Ages 76+: $15,000
The same customer can own multiple Final Expense policies, but the maximum combined coverage on any one life is the maximum face amount shown above³
Risk Classes
Preferred, Standard Non-Nicotine, Standard Nicotine
Non-Nicotine, Nicotine
Issue Ages
50-85 (age last birthday)
Premiums
Level, payable to age 100
Policy Fee
Annual policy fee $48 (this is non-commissionable). Modalized for premiums not paid annually
State Availability
Available in all states except NY
PREMIUM MODES AND FACTORS
Mode
Annually
Monthly
Factor
Annual Premium x 1.0
Annual Premium x 0.087
RIDERS & SERVICES
SBLI includes with each policy a package of service offerings that enable your clients to create a lasting legacy – the creation of a will, plus online storage of their memories and wishes – and provide their family with personalized funeral concierge support.
The Legacy Assist™ Funeral Concierge Program2
The Legacy Assist™ Funeral Concierge Program is an added benefit available to SBLI Living Legacy policyholders. It’s designed to support your clients’ family with guidance and practical help during a difficult time. The program includes nationwide support for funeral planning and coordination through LegacyShield and Titan Concierge. When a loss occurs, Titan Concierge steps in by offering:
- Funeral planning assistance and advocacy for your family
- Exclusive discounts on funeral products like caskets and urns, with free standard shipping
- Nationwide support
- Logistical help, including overseas repatriation and coordination between funeral homes and cemeteries
LEGACYSHIELD®2
SBLI has partnered with LegacyShield® to include a subscription with your policy to a suite of user-friendly online tools. These tools empower you to not only craft a lasting legacy, complete with a will, but also to ensure that your loved ones can access everything you’ve left for them precisely when they need it.
With LegacyShield®, clients can:
- Safely store their documents, final wishes, family photos, and more.
- Create documents for their estate plan, including their will, power of attorney, and advance directive.
- Consolidate all of their financial accounts in one convenient dashboard.
KEY POINTS OF CONTACT
Points of Contact
Contact
Telephone Number
Email Address
Onboarding -for any agency or agent onboarding questions
Contracting Support
9am – 6pm ET, M-F
888.639.5791
contracting@sblifinalexpense.com
Sales Support -for sales, marketing, and agent website questions
Sales Support
8am – 4pm ET, M-F
finalexpense@sbli.com
Customer Service -for policy change, surrenders, claims etc. requests
Customer Service
8am – 6pm ET, M-F
800.694.7254
Commissions -for commission questions
Commissions
8am – 4pm ET, M-F
888.224.7254
Option 5
finalexpenseagentservices@sbli.com
Agenium ApplicationPlatform -for issues relating to logging in, quoting, completing/submitting the application or other issues with the platform
MRS/ Agenium Help Desk
8am – 5pm CT, M-F
844.503.5333
helpdesk@agenium.ai
Best Plan Pro -for issues relating to logging in, quoting, prescreening or other issues with the platform
Best Plan Pro Help Desk
bestplanpro.com/help/
Agent Sales Portal -for access to the Final Expense Application Platform (MRS), your business summary, and commission statements
www.sbliagent.com
¹The maximum coverage amount is dependent on age, risk class and product. ²SBLI has partnered with LegacyShield to provide certain products with your policy. Additional LegacyShield products may also be available for purchase. Your client’s relationship or agreements with LegacyShield are separate from their relationship or agreements with SBLI. The kits they may be receiving access to through LegacyShield are not intended to be legal, tax, or investment advice. Your clients should consult their own legal, tax, or investment advisor regarding your personal situation. LegacyShield is a subsidiary of SBLI. Products or Services offered under LegacyShield and Legacy Assist Funeral Concierge Program are not insurance and are subject to change. For more information, please contact SBLI via telephone at 800-694-7254. ³Please note this covers your total final expense coverage with SBLI including other Final Expense products previously purchased from SBLI.
For the education of producers/brokers only. Not for use with the public. Policy Form Series #: 22-P-FELWL, 22-P-FEGWL, 22-P-FEWL. SBLI is a registered trademark of The Savings Bank Mutual Life Insurance Company of Massachusetts, Woburn, MA. NAIC #70435. Licensed in 49 states and DC (excludes NY). Products and features may not be available in all states © 2025 All rights reserved. SBLI is in no way affiliated with SBLI USA Life Insurance Company, Inc. 08/2025
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