Independent Life & LTC Specialists | Chandler, Arizona | Licensed to serve clients in Arizona and across the United States
Legacy Funding is an independent life insurance and long-term care brokerage headquartered in Chandler, Arizona, specializing in complex case placement, impaired-risk underwriting strategy, and advisor-supported life insurance planning. For those exploring life insurance Arizona options, Legacy Funding provides tailored guidance based on your specific situation.
What differentiates Legacy Funding is not simply access to carriers — it is the underwriting strategy used to place each case. Every engagement begins with a thorough review of the client’s situation, health profile, and financial objectives before a carrier is ever approached.
Whether you are purchasing life insurance for the first time, navigating a previous coverage denial, protecting a business, or planning for long-term care, Legacy Funding brings the expertise and carrier access to get you to the right outcome.
Legacy Funding operates across three core areas that reflect the real-world lifecycle of life insurance planning.
Term life, permanent coverage, mortgage protection, long-term care, and impaired-risk placement for applicants with complex health histories.
Buy-sell agreement funding, key person coverage, succession planning, and estate strategies — in partnership with CPAs, attorneys, and financial advisors.
BGA services for independent agents — field underwriting, advanced case design, access to 30+ carriers, and advisor infrastructure through TwisterIQ.
Many insurance agencies focus primarily on product availability. Legacy Funding begins with underwriting strategy. Every case starts with a thorough review of the client’s situation, health profile, financial objectives, and timeline before a carrier is ever approached.
This is the foundation of the Life Coverage Fit Framework — our methodology for sequencing carrier evaluation intelligently, applying informal pre-underwriting before any formal application is submitted, and protecting clients from unnecessary declines on their record.
The result is a higher placement rate, better coverage outcomes, and clients who understand exactly what they are purchasing and why.
Legacy Funding is led by Matthew Mesaros, RFC®, with a team of Regional Vice Presidents serving clients and advisor partners across the country. Advisors are matched to each client engagement based on specialization, geography, and case complexity — ensuring every client receives the right expertise for their specific situation. Legacy Funding advisors are located across the United States, with leadership headquartered in Arizona and licensed to serve clients in Arizona and across the United States
Whether you are buying coverage for the first time or looking for a second opinion on a prior decline — every engagement starts with a straightforward conversation about your situation.
Book A CallLegacy Funding provides field underwriting support, advanced case design, and carrier access to independent agents and advisor organizations across the country.
Learn MoreTell us a little about your situation and the Legacy Funding team will follow up to coordinate next steps — whether you are a client exploring coverage or an advisor exploring a partnership.
Prefer to talk now? Call 480-944-1343 or email info@legacyfunding.com.
No obligation. We’ll reach out to confirm a time that works.
We’ll follow up shortly to confirm your conversation and next steps.
Matthew Mesaros, RFC®, is the Principal Managing Partner of Legacy Funding Insurance, an independent life insurance and long-term care brokerage specializing in complex case placement and advisor-supported underwriting strategy. With more than 17 years of experience in financial services — built on a foundation in engineering and systems-based problem solving — Matthew has developed one of the industry’s most structured approaches to life insurance placement for both individual clients and independent advisors.
Legacy Funding’s consumer clients are served by a team of qualified advisors matched to their specific life stage, coverage need, and health profile. Independent agents and advisors throughout the country work with Matthew directly for field underwriting support, advanced case design, and guidance on the Life Coverage Fit Framework — Legacy Funding’s structured methodology for finding the right carrier and coverage solution for every client, including those who have previously been declined.
Matthew frequently advises independent agents and insurance professionals on case placement strategy, underwriting sequencing, and modern life insurance distribution models — bringing a practitioner’s perspective to every advisor engagement.
Who Matthew Serves
For Consumers
Legacy Funding serves individuals and families at every life stage — from first-time life insurance buyers to business owners planning succession and estate strategies. Every consumer engagement is handled by an advisor best equipped for that specific situation. Matthew oversees case strategy and ensures every client receives the right solution — not just the most available one.
For Independent Advisors
Legacy Funding operates as a Brokerage General Agency (BGA), supporting independent agents and financial advisors nationwide. Matthew provides direct field underwriting support, impaired-risk case design, and access to 30+ carriers. Through TwisterIQ, Legacy Funding also supports advisor organizations with CRM, tech infrastructure, and marketing systems.
Matthew’s path into financial services is unconventional — and that is part of what makes his approach distinctive. He began his career as a project manager and engineer at Kiewit, one of the largest construction and engineering firms in North America. That background instilled a systems-based problem solving mindset that he has carried into every role that followed.
After transitioning into financial services in 2007 as a senior wholesale representative at Efinancial, Matthew spent the next decade gaining extensive experience in life insurance distribution and advisor support. At National Brokerage, he helped launch a no-exam life insurance platform that later evolved into Covr Financial Technologies, now widely recognized as a leading digital life insurance platform.
In 2019, Matthew founded Legacy Funding with a clear mandate: build a brokerage that combines specialist underwriting knowledge, modern placement technology, and genuine advisor support — the kind of operation he wished had existed earlier in his career.
One of Legacy Funding’s defining contributions to the advisor community is the Life Coverage Fit Framework — a structured, repeatable approach to matching clients with the right carrier and coverage solution based on their health profile, financial objectives, and life stage.
Most insurance applications fail not because a client is uninsurable, but because the wrong carrier was approached in the wrong way. The Life Coverage Fit Framework addresses this by sequencing carrier evaluation intelligently — starting with modern no-exam and simplified underwriting platforms, moving through impaired-risk specialists, and applying informal pre-underwriting before any formal application is submitted.
This approach protects clients from unnecessary declines on their record, improves placement rates for advisors, and consistently delivers better outcomes for applicants who would otherwise fall through the cracks of conventional distribution.
Learn more: /modern-life-insurance-placement-framework
Life Coverage Fit Framework — structured carrier sequencing for improved placement outcomes
Impaired-risk life insurance — field underwriting and carrier selection for complex health profiles
Life insurance after denial — informal pre-underwriting and second-opinion case review
Business owner planning — buy-sell agreement funding, key person coverage, succession strategies
Advanced case design — estate equalization, legacy planning, collateral assignment
Long-term care insurance — individual and hybrid LTC strategies
BGA advisor support — field underwriting, case design, and placement guidance for independent agents
Advisor infrastructure — CRM, tech, and marketing systems via TwisterIQ
FAQ’s
Matthew Mesaros, RFC®, is the Principal Managing Partner of Legacy Funding Insurance, a nationally licensed life insurance and long-term care brokerage based in Chandler, Arizona. With more than 17 years in financial services and licensed to serve clients in Arizona and across the United States, Matthew specializes in complex case placement, impaired-risk underwriting strategy, and supporting independent advisors through Legacy Funding’s BGA operations.
Matthew brings three distinct differentiators to every engagement. First, his underwriting specialization — built over 17+ years — means cases are evaluated strategically before a carrier is ever approached, protecting clients from unnecessary declines. Second, his BGA support model gives independent advisors access to expert field underwriting and case design they typically cannot access on their own. Third, the Modern Life Placement (MLP) Framework provides a structured, repeatable methodology for carrier sequencing that consistently produces better placement outcomes for complex and impaired-risk cases.
The Life Coverage Fit Framework is Legacy Funding’s structured approach to carrier selection and case placement. It sequences underwriting evaluation intelligently — prioritizing modern no-exam platforms, then impaired-risk specialists — and uses informal pre-underwriting before any formal application is submitted. This protects clients from unnecessary declines and improves placement outcomes across all case types.
Yes. One of Legacy Funding’s core specializations is working with applicants who have been previously declined for life insurance. Matthew and the team conduct independent underwriting reviews, informally shop cases across 30+ carriers, and apply the MLP Framework to find coverage solutions for clients others may have turned away.
Yes. Matthew Mesaros holds the RFC® (Registered Financial Consultant) designation through the IARFC, carries National Producer Number (NPN) 16705602, and is licensed for Life, Health, and P&C insurance in more than 40 states.
Yes. Legacy Funding operates as a Brokerage General Agency (BGA), providing field underwriting support, advanced case design, and carrier access to independent agents and advisor organizations across the country. Matthew also supports advisor organizations through TwisterIQ, offering CRM, technology, and marketing infrastructure.
Whether you are an individual looking for life insurance guidance, a business owner planning for the future, or an independent advisor seeking a BGA partner — Legacy Funding is built to serve you with expertise, transparency, and the right solution for your situation.
Whether you are buying coverage for the first time or looking for a second opinion on a prior decline — every engagement starts with a straightforward conversation about your situation.
Legacy Funding provides field underwriting support, advanced case design, and carrier access to independent agents and advisor organizations across the country.
