one Agency
Every Coverage
Protection for every Stage of life and business
Confidence for Today. Clarity for Tomorrow.
Your future deserves confidence, stability, and a plan built around your life. We help you explore a range of options to find the right solutions for your needs—protecting what matters today while preparing for the years ahead.
Expert Advisors
Licensed professionals guiding you every step.
Online Support
Assistance when you need it, anywhere.
Local Service
Providing tailored planning for our community.
Trusted and Licensed
Fully licensed, insured, and backed by top providers.
Welcome To
Legacy Insurance & Retirement Agency
You’ve Worked Hard to Build Your Life. Let’s Help You Protect It.
Legacy is a family-run agency built on relationships, personal service, and helping people protect what they’ve worked hard to build.
Your life is personal. Your protection and retirement strategy should be too. We believe insurance should be simple, clear, and built around the people and businesses we serve. As a full-service agency, we provide access to a variety of carriers and solutions suited to your needs, goals, and stage of life.
Serving individuals, families, and businesses across the United States, with locations in Georgia and Michigan, we provide:
Medicare and Social Security Guidance
Retirement Planning, IRA Rollovers, and Annuities
Life and Health Insurance
Home, Auto, and Condo Insurance
Commercial and Business Insurance
Employee Benefits
Whether you’re protecting your home, your family, your income, your business, or preparing for retirement, you don’t have to navigate those decisions alone.
There’s never any obligation — just clear guidance, personal service, and solutions built around what matters to you.
Your family. Your health. Your income. Your business. Your retirement. Your Legacy.
Our Products
Auto and Home Insurance
Auto and home insurance work together to protect your most important assets, offering financial security when unexpected events occur. Auto insurance helps cover accidents, damage, theft, and liability on the road, while homeowners insurance safeguards your home and personal belongings from risks like fire, storms, theft, and certain types of water damage. Both types of coverage are essential for protecting your finances and staying compliant with lender or state requirements. Across Georgia, Alabama, and Michigan, families rely on strong auto and home insurance to protect their vehicles, homes, and personal assets with confidence.
Retirement & Annuities
Planning for retirement is more important than ever, and today’s savers have a variety of flexible options to build long‑term financial security, including IRAs, Roth IRAs, 401(k) plans, SIMPLE and SEP IRAs, and employee stock ownership plans, each offering unique tax advantages and contribution benefits. Annuities can also play a key role by providing guaranteed income in retirement, whether through fixed, variable, or indexed options that offer different levels of return, risk, and payout structures. The income you receive depends on the type of annuity, the insurer’s terms, and the amount you invest. To understand which retirement strategies and annuity options best support your goals, it’s important to review your choices with a qualified financial professional.
Medicare
Medicare is a federal health insurance program for people age 65 and older and for certain individuals with disabilities, offering hospital, medical, prescription drug, and Medicare Advantage coverage. As you approach eligibility, Medicare becomes essential for managing healthcare costs and ensuring reliable access to care throughout retirement. Across communities in Georgia, Alabama, and Michigan including Fayetteville, Peachtree City, Newnan, Griffin, South Fulton, Birmingham, Grand Haven, Holland, Wyoming, and Benton Harbor seniors rely on Medicare for consistent, affordable healthcare. Whether you are enrolling for the first time or reviewing your current plan, having the right Medicare coverage provides confidence, stability, and peace of mind for the years ahead.
Health Insurance
Individual health insurance provides coverage for doctor visits, hospital care, prescriptions, and preventive services, making it an essential option for individuals and families without employer‑sponsored benefits. It helps protect you from high medical costs and ensures access to the care you need. Across Georgia, Alabama, and Michigan, including communities like Fayetteville, Peachtree City, Newnan, Birmingham, Grand Haven, and more, many residents rely on individual health plans to maintain quality healthcare. Whether you are self‑employed, between jobs, or simply seeking better coverage, having the right health insurance plan offers financial protection and peace of mind.
Life Insurance
Life insurance provides financial protection for your loved ones by paying a benefit that can help cover expenses such as mortgage payments, debts, education costs, funeral expenses, and everyday living needs. It is especially important if your family depends on your income or financial support, ensuring long‑term stability and security. Across Georgia, Alabama, and Michigan, including communities like Fayetteville, Peachtree City, Newnan, Birmingham, Grand Haven, and more, families rely on life insurance as a key part of their financial planning. Whether you are preparing for the future, protecting your family, or building generational security, the right life insurance plan offers lasting peace of mind.
Group Health
Group health insurance helps businesses support their employees by providing access to medical coverage that promotes health, productivity, and overall well‑being. Employers across Georgia, Alabama, and Michigan, including communities like Fayetteville, Peachtree City, Newnan, Birmingham, Grand Haven, and more, use group health plans as a key part of their benefits strategy to attract and retain quality employees. Whether you are a small business or a growing organization, offering group health insurance demonstrates a commitment to your team while helping build a stronger, more resilient workforce.
A Team you can count on.
The strongest plans aren’t built around products. They’re built around people.
Your priorities lead the conversation. Your goals shape the direction. And as life changes, your team stays connected—helping you remain ready for whatever comes next.
Your life. Your legacy. Your Team
How We Serve You
1. We Lead With Education
We take time to understand your goals so we can guide you clearly through your options.
2. We Guide With Integrity
These are important life decisions. You can expect honest, thoughtful service rooted in care and respect.
3. We Focus on What Fits
Our role is to help you find solutions that align with your needs, your stage of life, and your long-term goals.
4. We Build Relationships that Last
We are committed to being a trusted resource you can rely on for guidance, support, and service through every season.
Our Expert Team
Caleb Offutt
Insurance Advisor
Dr. Marcus Offutt, Ed.D
Owner/Advisor
Dr. Kimberly Offutt, Ed.D
Co-Owner/Advisor
Paul Franklin
Insurance Advisor
Trenda Jacques
Insurance Advisor
Rodriguez Reed
Insurance Advisor
Niquia Benford
Insurance Advisor
Tony Nolan
Insurance Advisor
Forrest Neal
Managing Partner
Plan Your Future With Confidence
Talk with an advisor today and discover the right insurance and financial solutions for your future.
Featured Carriers
We Are Here For You
Maintain your peace of mind knowing that our insurance professionals have your back.
Let us handle the details so you can enjoy
what matters most
Our service is top-class, giving you lasting peace of mind.
We help you save money so you can invest in your future.
Locations
GEORGIA
175 Carnegie Place, Suite 109B
Fayetteville, GA 30214
www.legacyirateam.com
MICHIGAN
2524 Woodmeadow Dr SE, Unit B
Grand Rapids, MI 49546
www.legacyirateam.com
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