Comprehensive Life Insurance Solutions
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Who We Are
Family Legacy & Life is a trusted life insurance agency that specializes in connecting individuals and families with top-rated life insurance solutions tailored to their needs. We work with leading insurance carriers to offer a wide range of products designed to protect your financial future. Our mission is to simplify the process and provide personalized coverage options that give you peace of mind—no matter where you are in the U.S.
Our Services
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Final expense insurance is a life insurance policy that covers funeral and end-of-life costs. Typically, coverage ranges from $5,000 to $50,000 to address expenses like funerals, burial or cremation, and memorial services.
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A fixed indexed annuity (FIA) is a contract between an individual and an insurance company that offers a guaranteed minimum interest rate and potential additional interest based on an underlying index, such as the S&P 500. FIAs balance the security of fixed annuities with the growth potential of variable annuities. While the interest credited depends on the index's performance, there is a cap on potential earnings, allowing holders to benefit from market gains without incurring losses.
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Accidental Death Benefit (ADB) is a life insurance rider that provides an additional payout to beneficiaries if the policyholder dies from an accident. It offers extra financial protection for loved ones in the event of an unexpected death. Covered accidents include car crashes, falls, drowning, fires, etc.
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Mortgage protection insurance helps cover your mortgage payments if you’re unable to pay due to unforeseen circumstances, such as illness or job loss. This coverage offers financial support for a specified period, ensuring you and your family can maintain your home during financial hardships. It's distinct from mortgage insurance, which protects lenders in cases of borrower default.
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Indexed Universal Life (IUL) insurance is a permanent life insurance policy that offers a death benefit along with a cash value component. Coverage lasts for the policyholder's lifetime, provided premiums are paid. The cash value grows tax-deferred, earning interest based on a stock market index, like the S&P 500. Policyholders can access the cash value to pay premiums or borrow against it.
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Whole life insurance provides lifelong coverage, as long as premiums are paid. It offers a death benefit to beneficiaries and includes a savings component. Premiums are higher than term life insurance due to this lifelong coverage and cash value building abilities. The policy builds cash value, which earns interest and can be borrowed against or withdrawn by the policyholder.
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"Living benefits" are features in some life insurance policies that enable policyholders to access a portion of their death benefit while still alive under specific circumstances.
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Term life insurance provides coverage for a fixed period, usually from one to thirty years. If the policyholder dies during this term, the death benefit goes to the designated beneficiary.
This insurance type is commonly used to financially protect loved ones by covering funeral costs, debts, and living expenses. Term life policies are generally more affordable than permanent ones, as they do not build cash value and only offer protection for a specified time.
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A term life insurance policy with a return of premium (ROP) feature offers a death benefit to beneficiaries if the insured passes away within the policy term. If the insured outlives the term, the insurer refunds all premiums paid.
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A Children’s Indexed Universal Life (IUL) policy is a type of permanent life insurance designed specifically for children, offering both lifelong protection and a cash value component that grows over time. The policy’s cash value is tied to a stock market index, such as the S&P 500, allowing it to grow tax-deferred without the risk of direct market investment.
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IBC, or Infinite Banking Concept, is a personal finance strategy that utilizes a specially designed whole life insurance policy as a savings tool. Policyholders pay premiums that build cash value over time, which can be borrowed against, allowing them to use the policy like a personal bank. This enables funding for expenses or taking care of debts.
Our Carriers
Meet the Team
At Family Legacy and Life, we are a team of committed professionals who prioritize your needs and understand the importance of safeguarding what matters most to you. Our experience and integrity underpin our personalized approach, ensuring that we guide you seamlessly throughout the entire process. From your initial consultation to selecting the ideal coverage, our mission is to simplify and clarify each step, tailoring solutions specifically to your unique circumstances. We are more than a service provider; we are partners in building enduring relationships, empowering you to create a legacy that your family can rely on for generations to come.
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Raised in North Carolina with strong Albanian roots, Eriselda understands the importance of family, tradition, and protecting the ones you love. With over a decade of experience in the insurance industry and a track record of serving thousands of families, Eriselda brings both heart and expertise to every conversation. She’s been recognized as Agent of the Month multiple times and ranked among the top 10 agents in a multi-million dollar company — a reflection of her dedication and results. Eriselda believes in full transparency, always putting your needs first. Her mission is simple: to help families build generational wealth and ensure no one is left unprotected in times of need.
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Originally from New York and now proud to call North Carolina home, Brendan brings a strong sense of purpose and compassion to the life insurance space. As a former police officer, Brendan has firsthand experience helping families navigate some of the most difficult moments of their lives. That perspective inspired him to focus on what truly matters — making sure families are financially protected when it matters most. Specializing in life insurance, Brendan is dedicated to being transparent, honest, and treating every client like family. His mission is simple: to help you get the protection you need with the care and respect you deserve.
Contact Us
Have questions or ready to explore your life insurance options? Fill out the form and one of our licensed agents at Family Legacy and Life will reach out to you shortly. Whether you're looking for coverage, need help understanding your options, or just want honest guidance, we're here to help. Your family's future matters — let’s protect it together.