Term Life
The most coverage for the least money, for the years it matters most — while the kids are home and the mortgage is still on the books.
- 10 – 30 year terms
- Convertible to permanent
- Living benefit riders
Independent · licensed in 18 statesLife insurance that leaves
Life insurance that leaves
a legacy, not a bill.
Summit Legacy Life helps families put the right coverage in place — term, whole life, mortgage protection, final expense — and understand exactly what they bought. Independent, so the recommendation follows your situation instead of one company's product shelf.
Summit Legacy LifeIndependent · NPN 22092048
IndependentNot one carrier
A-ratedCarriers shopped
No examOn most policies
$0Cost to compare
What we place
Coverage built around
the people who depend on you.
Whole Life
Permanent coverage that never expires and never reprices, building cash value you can borrow against while you are still here to use it.
- Premium locked for life
- Guaranteed cash value
- Dividend-paying carriers
Final Expense
A small whole life policy sized to the bill your family actually gets — the funeral, the cremation, the headstone, the last month of medical.
- No medical exam
- Rate locked for life
- Paid directly to your beneficiary
Mortgage Protection
Coverage written around the balance and the years left on your loan, so the house stays in the family instead of on the market.
- Matched to your payoff
- Return-of-premium options
- Disability riders available
Indexed Universal Life
Permanent coverage with cash value tied to market index growth and a floor that does not participate in the losses.
- Tax-advantaged growth
- Downside floor
- Flexible premiums
Retirement & Annuities
Income you cannot outlive, and a clean handoff to the next generation instead of a probate file.
- Guaranteed income options
- Tax-deferred growth
- Estate-minded planning
How it works
Three steps, and none of them are a hard sell.
A real conversation
Fifteen minutes on the phone. What you already have, who depends on you, what you are worried about. No forms, no pitch, no obligation.
Options side by side
Summit Legacy Life is independent. Greg shops several A-rated carriers and puts the real numbers in front of you — including the ones that are not the right fit and why.
Covered, in writing
Most policies are approved without an exam, many the same day. You get the paperwork, your family gets the beneficiary letter, and Greg stays your agent for the life of the policy.
The agency
Life insurance should be easy to understand.
Greg helps families protect what matters most with coverage that is simple and affordable. Every family arrives with a different worry — a mortgage, a spouse, a funeral nobody wants the kids to pay for — and the right policy is the one that answers the worry actually in front of you.
Nobody should be left with a financial burden.
That means plain answers about what a policy does and does not do, options put side by side instead of one recommendation with no context, and an agent who is still reachable years after the paperwork is signed.
Greg RinglingInsurance Producer · NPN 22092048
Where we work
Licensed in 18 states.
Nearly everything is handled by phone and e-signature, usually in one appointment. If you are close enough to sit down in person, that can be arranged.
- FLFlorida
- GAGeorgia
- INIndiana
- KYKentucky
- LALouisiana
- MDMaryland
- MIMichigan
- MNMinnesota
- MSMississippi
- MOMissouri
- NVNevada
- NCNorth Carolina
- OHOhio
- OKOklahoma
- PAPennsylvania
- SCSouth Carolina
- TXTexas
- VAVirginia
Straight answers
Questions we get every week.
How much life insurance do I actually need?
It depends on who is counting on your income and what they would still owe if it stopped. A common starting point is ten times your income plus the mortgage balance and anything you would want covered for the kids, but that is a rule of thumb, not an answer. Greg will work the real number with you in one call.
What is the difference between term and whole life?
Term covers you for a set number of years and costs the least per dollar of coverage — good for replacing income while people depend on it. Whole life never expires, the premium never goes up, and it builds cash value you can borrow against. Most families end up with some of each, and there is no reason to pick blind.
What does final expense insurance cover?
It is a whole life policy, usually between $2,000 and $40,000, built to cover what your family owes after you pass: the funeral home, the cremation or burial, the headstone, the last medical bills, and whatever else lands on their kitchen table that month. The money goes straight to the person you name and they can spend it on anything.
Do I need a medical exam?
For most of what Greg writes, no. There is no exam and no blood work — you answer a short set of health questions and many people find out the same day whether they are approved. Larger term policies sometimes call for one, and you will know that up front.
Can I get covered with health problems?
Usually yes. Diabetes, high blood pressure, heart history, COPD and past cancer are all conditions that get placed regularly. Some carriers start your coverage day one, others use a two-year waiting period on natural death. Greg will tell you plainly which one you are looking at before you sign anything.
What will it cost me?
That depends on your age, your health and how much coverage you want. Rather than guess, Greg runs your actual numbers with several carriers and shows you the quotes side by side. There is no charge for that and no obligation to take any of them.
Do we have to meet in person?
No. Nearly everything is handled by phone and e-signature, usually in a single appointment. If you are close enough to sit down, that can be arranged.
Are you an insurance company?
No. Summit Legacy Life is an independent agency. It is not a carrier and it is not affiliated with any government agency, Medicare, or the Social Security Administration. Greg is paid by the insurance company if you decide to take a policy, which is worth knowing up front.
Start here
See your real numbers before you decide anything.
Tell Greg a little about your situation and he will come back with quotes from several carriers side by side — including the ones that are not the right fit, and why.
- No cost, no obligation, and no pressure to buy anything.
- Most policies issue with no medical exam and no blood work.
- Your information stays with this agency. It is never sold to lead buyers.
- You talk to Greg directly, not a call center rotation.
Prefer to just call?(724) 686-5094
Monday – Saturday, 9am – 8pm Eastern