Total Legacy Consulting
Protect your life.
Plan your legacy.
Life insurance and retirement guidance from Jeff Harris, an independent insurance professional who’s lived the difference.
What’s on your mind?
Start with your situation. Get clear on your options before making a decision.
“What if I couldn’t provide?”
Learn how life insurance with living benefits may help during a qualifying illness, as well as after a loss.
Understand living benefits“What should I do with it?”
Compare your old plan, a new employer’s plan, and IRA options. Understand where an annuity may fit, and its trade-offs.
Compare rollover optionsAlready have a policy? Find out what it actually covers.
Check your coverageA little understanding goes a long way.
The essentials, without the insurance vocabulary lesson.
Life insurance can help while you’re living.
Some policies let you access part of the death benefit after a qualifying illness. That money can help with household expenses while you focus on recovery.
Understand living benefitsWhat to check
It’s not automatic coverage for every illness. Using living benefits generally reduces the amount left to beneficiaries. Eligibility and costs depend on the policy.
Ask: Which conditions qualify under my policy?A policy amount is only part of the picture.
Your family’s monthly bills, the people who depend on you, and how long they would need support all matter. Start there, then compare your existing coverage.
Estimate your coverage gapWhat to check
Review when coverage ends, whether it can continue after a job change, and what benefits it actually includes. Don’t assume work coverage follows you.
Ask: What happens to my coverage if I leave my job?You have options. Moving it isn’t the only one.
Depending on plan rules, you may keep your old plan, use a new employer’s plan, or roll to an IRA. Compare fees, investment choices, and access to your money.
Compare rollover optionsWhat to check
If you consider an annuity, weigh its income features against fees, surrender charges, and withdrawal limits. Guarantees depend on the issuing insurer’s claims-paying ability.
Ask: What do I gain, and what would I give up?
Jeff Harris, U.S. Marine CorpsThe person behind the guidance
He’s been on both
sides of a claim.
When cancer struck in 2009, Jeff accessed living benefits from his own life insurance. When it returned in 2023, he used them again.
That experience shapes the questions he asks today: What does your policy cover? What does it exclude? And will it work the way you expect?
“I accessed $15,000 from my life insurance while alive.”Jeff Harris, founderRead Jeff’s story
Jeff’s experience is personal. Benefits, eligibility, and claim outcomes vary by policy and individual circumstances.
One person to call.
More than one carrier to consider.
Jeff works independently across insurance carriers. The conversation starts with your family, your existing coverage, and what you need your money to do.
- Compare the benefits and the limits.
- Understand the costs before you commit.
- Ask the questions you haven’t had answered.
Keep learning with Jeff.
Real situations. Practical questions. More context for your next decision.
What the 4th of July Taught Jeff Harris About Freedom
Jeff Harris served so families could live free. Then cancer hit twice, and he learned that real freedom means having a plan that works while you're still alive — not just at death. Here's what the 4th of July means to him now.
Your Life Stage Changes Everything About Coverage
Most families assume their coverage is fine because they have something. But what you need at 32 with a mortgage and two kids looks nothing like what you need at 52 approaching retirement. Jeff Harris breaks down the real gaps by life stage — and why employer coverage alone leaves every one of them exposed.
A conversation. Then a clear next step.
No need to have everything figured out before you call.
Bring your question.
Your family’s coverage, an old 401(k), or simply where to start.
Look at the whole picture.
Review what you have, what you need, and the trade-offs of your options.
Decide with understanding.
Know what a recommendation means before you choose whether to act.
Good questions.
Straight answers.
Ask Jeff a question I already have insurance through work. Is that enough?
Start with what it covers, how much it pays, and what happens when you leave your job. Then compare that with the income your family depends on. Having a policy and having enough protection are different questions.
Check your coverageDo all life insurance policies include living benefits?
No. Benefits depend on the policy and its riders. A qualifying terminal, chronic, or critical illness may allow you to access part of the death benefit early. Eligibility, costs, and the amount available vary. Using a benefit generally reduces what remains for beneficiaries.
Understand living benefitsDoes an old 401(k) have to move into an annuity?
No. Depending on plan rules, you may leave it where it is, move it to a new employer’s plan, or roll it to an IRA. An annuity is one possible insurance product, with its own costs and withdrawal limits. Compare the alternatives before moving money.
Compare rollover optionsWhat happens when I book a call?
You have a free 15-minute discovery call with Jeff. Start with your question, what you already have, and what you want to protect. You can discuss whether a more detailed policy or retirement review makes sense. There is no obligation to buy.
Book a callLet’s make your
next decision clearer.
A free 15-minute discovery call with Jeff.
Your questions. No obligation.