Legacy Life & Income · Johns Creek, GA · NPN 19583299
Legacy Life & Income is a licensed insurance agency. We are not registered investment advisers, do not manage assets, and do not provide investment, tax or legal advice. Articles, guides, calculators and videos on this site are general information, not a recommendation for your situation, and should not be relied on as the basis for any decision.
Nothing on this site is an offer to insure, a binder, or a promise that coverage will be issued. All coverage is subject to the issuing carrier's underwriting, the terms of the policy actually issued, and state availability. Premiums and figures shown anywhere on this site are illustrative only; actual rates require a completed application.
Licensed and appointed to offer insurance products in Georgia, Alabama, North Carolina, Ohio, California and South Dakota (NPN 19583299). Insurance services are available only to residents of states where a valid license is held; we do not solicit business in other states. Products, carriers and availability vary by state.
Guarantees, including any lifetime income, are backed solely by the claims-paying ability of the issuing insurance company. Indexed products credit interest based on a formula that includes caps, participation rates and spreads; they are not a direct investment in any index and do not include dividends. Loans and withdrawals reduce cash value and the death benefit, may have tax consequences, and may cause a policy to become a Modified Endowment Contract.
Legacy Life & Income is not a law firm and does not provide legal advice. Estate planning documents are prepared through a third-party, attorney-backed platform; you are responsible for reviewing them and may consult your own attorney.
Calculators on this site use simplifying assumptions and the values you enter. They are illustrative tools, not projections, and they do not model fees, charges or taxes unless stated.
Company, carrier and publication names are the property of their respective owners and do not imply any affiliation, sponsorship or endorsement. External links are provided for convenience; we are not responsible for third-party content.
Client comments are individual experiences, are not typical, and are not a guarantee of results. Scenario examples, where labeled as illustrations, are hypothetical and do not describe any specific client.
To the extent permitted by law, we are not liable for any loss arising from reliance on the general information published here. Your use of the site does not create an advisory, fiduciary or attorney-client relationship.
Call 404-697-6066 or email mtolani@shivohfinance.com.
Important Disclosures & Regulatory Notices
Please read before relying on any information on this website.
Agency & Licensing
Legacy Life & Income is the marketing name used by licensed insurance producer Mahinder P. Tolani (NPN 19583299), appointed with one or more insurance carriers. Insurance business is conducted under this name only in the states where that license is active. Licensed and appointed to offer insurance products in Georgia, Alabama, North Carolina, Ohio, California and South Dakota (NPN 19583299). Insurance services are available only to residents of states where a valid license is held; we do not solicit business in other states. Products, carriers and availability vary by state.
Solicitation of Insurance
This website is an advertisement for insurance products and a solicitation of insurance. It is not a quote, a contract, or an offer of coverage. An insurance agent may contact you. Premiums, product availability, riders and carrier participation vary by state and are subject to underwriting approval and the terms of the policy actually issued.
No Government or Carrier Affiliation
We are not affiliated with, endorsed by, or sponsored by the U.S. government, the Social Security Administration, the Centers for Medicare & Medicaid Services, any state or federal agency, or any insurance carrier. Carrier and company names are the property of their respective owners and are used for identification only.
Not Investment, Tax or Legal Advice
Legacy Life & Income is a licensed insurance agency. We are not registered investment advisers, do not manage assets, and do not provide investment, tax or legal advice. The information on this website is educational only and is not a recommendation to buy any particular product. Consult a qualified, licensed professional about your own situation before making a financial, tax or legal decision.
Guarantees & Policy Terms
Insurance guarantees, including death benefits and any annuity or income payments, are backed solely by the claims-paying ability of the issuing insurance company. Policy values are subject to the terms, conditions, caps, participation rates, fees and spreads of the individual policy. Withdrawals, surrenders and loans may reduce the death benefit and cash value, may have tax consequences, and may cause a policy to become a Modified Endowment Contract (MEC). Past performance is not indicative of future results. Optional riders and benefits are available at additional cost and subject to eligibility, definitions, waiting periods and benefit maximums.
Illustrations & Hypothetical Examples
Hypothetical, for illustrative and educational purposes only. Not a policy illustration, quote or offer of coverage. Actual figures depend on carrier underwriting, policy terms, and the assumptions you provide. Any product figures require a carrier-issued illustration.
Testimonials & Endorsements
Testimonials reflect the experience of one client, are not a guarantee of future results, and may not be representative of the experience of other clients. Individual results vary.
How We Are Compensated
We are compensated by insurance carriers through commissions, and in some cases production or marketing allowances, when a policy is issued or a service is provided. Commission levels vary by carrier and product and may influence which products we discuss. Compensation does not increase the premium you pay, which is set by the issuing carrier and filed with state regulators.
Calls, Texts & Email
By providing your phone number or email address you consent to be contacted about insurance products by phone, text message and email, including through automated technology and prerecorded messages. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to end texts, use the unsubscribe link in any email, or ask us to stop contacting you by calling 404-697-6066. Consent may be withdrawn at any time.
Your Information
We do not sell your personal information. Information you provide is used to evaluate your coverage options, to respond to your request, and as otherwise described in our Privacy Policy. Additional notices may be required by state law or by a carrier before an application is taken.
Questions or Complaints
If you have a concern about this website, a policy or the service you received, please contact us first so we can address it. You may also contact the insurance department of your state of residence, which licenses the carriers and producers doing business there and accepts consumer complaints.
Legacy Life & Income · Licensed insurance producer NPN 19583299 · licensed in GA, AL, NC, OH, CA, SD · Johns Creek, GA · 404-697-6066