Legacy The Initiative

Built by Our
Family.
For Yours.

Earnie and Sharon Sears built Legacy on one belief: every family deserves real protection and a plan that outlasts them. Life insurance, retirement annuities, and legacy building, designed around the people you love most.

Book a Free Call
7,000+ Families Protected
17+ Years Experience
98% Client Satisfaction
Legacy The Initiative logo
Licensed Agents
State-licensed professionals
17+ Years Experience
Decades of combined service
7,000+ Families
Protected across the country
No Obligation
Free consultation, no pressure
Family-Founded
Built by parents, for families

Free Financial Assessment

What Is Your
Financial
Profile?

Answer 6 quick questions and receive a personalized protection report. Find out exactly where you stand, what your family needs, and your clearest next step forward.

Takes 2 minutes No financial data required Instant results
Earnie and Sharon Sears
Earnie & Sharon Sears
Co-Founders, Legacy The Initiative
Legacy Legacy Financial Report
Your Legacy Profile
The Legacy Builder
The Legacy Builder 94%
The Protector 71%
The Freedom Planner 48%
The Wealth Creator 35%
Book your free consultation Schedule →

Take the quiz to unlock
your real report

How It Works

01

Take the Free Quiz

Answer 6 simple questions about your goals, priorities, and concerns. No financial data required. Takes under 2 minutes.

02

Get Your Personal Report

Receive your customized Legacy financial profile, with a full breakdown of what protection and planning fits your family best.

03

Book Your Free Call

Schedule a free 30-minute consultation with Earnie or Sharon. No pressure. No jargon. Just honest advice for your family's future.

Earnie and Sharon Sears
7,000+
Families Protected

Our Story

Two Parents.
One Mission.

Earnie & Sharon Sears

Legacy The Initiative was born from a simple truth: too many families are left unprotected and unprepared. Earnie and Sharon Sears built this company not as a business, but as a mission to give every family access to the financial tools and protection they deserve.

As co-founders, their shared vision of family, faith, and financial freedom drives everything Legacy does. From the red varsity jackets their team wears with pride to every policy they help secure, this is legacy in motion.

Family-founded with a community-first mindset
Personalised plans tailored to every family
Building leaders who build legacies
We recruit to give hope. We train to build leaders.
@iamlegacyinitiative

What We Cover

Protection for
Every Chapter

Whether you need life coverage, a financial roadmap, or a strategy to pass wealth to the next generation, Legacy builds solutions around your family and your future.

01

Retirement Annuities

Turn your retirement savings into guaranteed income you cannot outlive. We design annuity strategies that protect your principal, grow tax deferred, and pay you for life.

02

Life Insurance

Term, whole, and indexed universal life solutions built around your family's exact needs. Protect the people you love with coverage that lasts.

03

Legacy Building

Create generational wealth that outlasts you. From wealth transfer strategies to final expense planning, we ensure your legacy lives on.

Top Carriers We Represent

Industry Recognition

$3 Million
Annuity Circle.
Earned Together.

The $3 Million Annuity Circle is one of the most respected milestones in the financial services industry. Earnie and Sharon earned it together, the same way they have built everything at Legacy: side by side, showing up for every family, holding each other accountable, and refusing to cut corners.

This is what Legacy is built on. Not promises. Proof.

$3M+
Annuity Circle
17+
Years Experience
7,000+
Families Served
Earnie Sears, $3 Million Annuity Circle
Sharon Sears
$3M
Annuity Circle
The Legacy team at the $250K+ Earner awards

Legacy The Initiative

We Are The
Winningest
Team
Join The Team
The Sears family

Our Why

Our Greatest Legacy
Is Not A Policy.
It Is Them.

When Earnie and Sharon built Legacy The Initiative, it was never just about business. It was about building something their children could be proud of, and making sure no family had to face the future unprepared.

Every policy they write, every family they sit down with, every plan they build together is rooted in one truth: your children deserve a tomorrow that is protected today. That is the legacy they are building. For theirs and for yours.

Built on faith. Driven by family.

What Families Are
Saying

Real families. Real protection. Real peace of mind.

"I always assumed life insurance was something I couldn't afford. Earnie sat with me for 30 minutes and showed me a plan that fit my budget perfectly. My family is covered. That peace of mind is everything."

"I took the quiz not really expecting much. It told me I was a Legacy Builder and honestly, it described me perfectly. Sharon helped me put together a real plan for generational wealth. This team genuinely cares."

"My husband and I were starting fresh with nothing in place. Legacy walked us through every option, explained everything clearly, and never made us feel pressured. A year later we have coverage and a real financial plan."

Common Questions

Everything you need to know before taking the next step.

It depends on your age, health, and the type of coverage, but most families are surprised by how affordable it is. Many of our clients pay less than their monthly streaming subscriptions. We will show you real numbers on your free call so you know exactly what to expect.

There is no wrong age to protect your family. The earlier you start, the lower your premiums. But even if you are starting later, we have solutions designed for every stage of life. Earnie and Sharon will find the right fit for where you are right now.

We work with multiple carriers and have options for a wide range of health situations. Many of our clients assumed they would be denied and were pleasantly surprised. Your consultation is free, and we will be upfront about what is available to you.

There is no catch. The consultation is 100% free, with no obligation and no pressure. We believe that when families understand their options, they make the right decision on their own. Our job is to educate, not to sell.

Some policies can be approved and active within 24 to 48 hours. Others that require medical underwriting may take a few weeks. We will walk you through the timeline for your specific situation so there are no surprises.

Legacy was founded by a family, for families. Earnie and Sharon built this company on personal relationships, not call centers. Every client gets direct access to a licensed agent who knows their name and their story. That is the Legacy difference.

Free 30-Minute Consultation

Your Family Deserves
a Plan. Let's Build
One Together.

One honest conversation is all it takes. No pressure, no jargon, no obligation. Just Earnie and Sharon sitting down with you to understand your family's needs and show you exactly what is possible.

Spots available this week

Free. No commitment. No sales pitch.

Free consultation No commitment required No jargon

What happens on your call

01
We Listen
We learn about your family, your goals, and what keeps you up at night
02
We Show You Options
We show you the plans that fit your budget with no guesswork or confusion
03
You Leave With a Plan
You walk away with total clarity and peace of mind about your family's future
Earnie and Sharon Sears
Earnie & Sharon Sears
Founders, Legacy The Initiative

Before you go

Take our free 2-minute quiz and find out exactly what type of financial protection your family needs. No email required to start.

Takes 2 minutes. Instant results. No financial data required.

Legacy Legacy Financial Assessment

Legacy Financial Assessment

What Is Your
Financial Profile?

Answer 6 quick questions to discover which of the 4 Legacy profiles matches you. Then receive your personalized protection report from Earnie and Sharon.

The Protector
The Protector
The Legacy Builder
The Legacy Builder
The Freedom Planner
The Freedom Planner
The Wealth Creator
The Wealth Creator
Takes 2 minutes No financial data required Instant results
Financial Status Assessment Question 1 of 6

What matters most to you right now?

Choose the one that resonates most deeply with you.

🛡️
Protecting my family today
Making sure they are covered no matter what happens to me
📈
Building wealth for tomorrow
Growing assets and creating long term financial freedom
OR

Which best describes where you are today?

Be honest with yourself. There is no wrong answer.

🌱
Starting fresh
I have little to no financial protection in place yet
🏗️
Building on what I have
I have some coverage but know I need to do more
OR

What worries you most about the future?

Pick the one that keeps you up at night.

❤️
My family would struggle without me
Bills, mortgage, and daily expenses falling on them
I won't have enough to retire
Running out of money or depending on others in old age
OR

What are your biggest financial goals?

Select up to 3 that apply to you.

When you think about your loved ones, what do you picture?

Choose the vision that feels most like yours.

🏠
They are protected and secure
A safety net so they never have to worry about money
👑
They inherit something great
Real wealth and opportunity passed down for generations
OR

How confident do you feel about your financial plan right now?

Be completely honest with yourself.

3 / 5
Not confident at all Somewhat Very confident

Analyzing your assessment…

Reviewing your protection priorities
Matching goals to Legacy profiles
Calculating your profile fit scores
Your Legacy profile is ready

Your Legacy Profile

The Legacy Builder

Your Legacy Profile The Legacy Builder
Your full profile description appears here.

Your Profile Match Scores

Your Next Step

Ready to build your Legacy?
Let's talk.

Book your free 30-minute consultation with Earnie or Sharon Sears. No pressure, no jargon. Just a real conversation about protecting your family and building your future.

Free consultation. No commitment. No obligation.