In 2006, Raymond Gadd formed The Gadd Group which marked the beginning of his journey with Lincoln Heritage Life Insurance Company®. Nine years later in 2015, the leadership team of The Gadd Group made the decision to change the name of the group to Vision To Legacy Group which defines what we stand for as an agency.

"After spending almost 12 years in the cemetery and funeral business, and three years as an insurance broker, I found the final expense business. I contracted with Lincoln Heritage in April 2006 and spent nearly six years with the largest Lincoln agency at the time. My income went into six figures in the first full year and continued to get better as I learned the business. In January of 2010, the agency changed their focus to a different company and offered me a higher commission contract to write for that company instead of Lincoln Heritage.  After 18 months, my income had dropped about 40% on a higher contract. I re-contracted with Lincoln in September of 2011 and haven't looked back. Being able to apply my experience in the cemetery and funeral industry to the final expense business has been invaluable". - Raymond G.


We have a vision to create and leave a legacy for our families, including both client and agent families.


In 2018 our agency wrote over $4.5 million in production and we are continuing to develop a leadership team to get that job done! 



Raymond Gadd

CEO & Owner

"I am so excited about what the future holds and where we can be in the next five years. This business is simple, but not easy. For a person that is teachable, coachable and willing to go to work this is truly the best business opportunity." 

Jennifer Pelfrey

Office Manager

"I have been with Raymond and his team since 2015 and have not only gained a wealth of knowledge for myself and family, but I have also gained a second family within our company.

 I love my job!" JP

Gaylynn Smith

MGA, Chattanooga, TN

"After 29 years of working in the insurance industry for a name brand property and casualty insurance company, I decided it was time for a change. In December 2011, I became appointed as a licensed life insurance agent with Lincoln Heritage Life Insurance Company. After two years in this business, I reached a six figure income and just in three short years, I have already earned and traveled on several company sponsored trips.  I can honestly say this has been the best career decision I have ever made!"

Justin Rosson

RM, El Dorado, AR

"Growing up in Paris, Texas, I was not handed life on a silver platter. I knew that I wanted more out of life. I ended up spending 10 years in the army and was having a hard time finding what my purpose was in life. I was depressed, broke, and juggling between going back to the army or starting this new career.

Finally making a decision, I packed up everything that I owned and left Texas to go to Arkansas where I chose Lincoln. 

In three short years, I had reached a six-figure income and started building The Mars Group from the ground up. Since then, I have doubled that income, brought my credit score to the high 700's, gotten married, bought a house, multiple vehicles, traveled around the world, and I've had the honor to lead multiple agents to find their Lincoln success story within The Mars Group.

Most importantly, I found where I am supposed to be in life. I have the largest call center in the region and look forward to exceeding any and all expectations.

I chose to make a better life for myself and encourage  everyone I am around to do the same. I have a purpose. I have control of my income, my business, and my life. I cannot wait to see what Lincoln Heritage Life Insurance Company® has in store for me and many, many others. 

Don't miss this chance to not only help other families but to help yourself.

Garrett Ware

MGA, Tri-Cities, TN

"I started with Lincoln Heritage in September 2013. I had no idea what a life-changing experience I was about to have. This company truly has an interest in making it possible for everyone, including me, to succeed. Not just financially, but also as a person.


 I am 27 years old and in a position to leave a lasting impression on every family I help. Also, I have the ability to provide a lifestyle that many cannot achieve with a regular 9 to 5 job. It took me only nine months to make over $75,000 in up-front commission. This was not including the unmatched residual income opportunity the company offers.


It has been an amazing experience. I’m appreciative for this career opportunity that is designed for anyone who has the drive to go help others."

"Mondo" Grimes

MGA, Nashville, TN

Regional Manager, MO

"I started with Lincoln Heritage in February 2015 after a 16 year music business and marketing career. Regardless of many successes, 

partnerships and collaborations with both large and small corporations and working with some of corporate America's most influential business executives I found myself UNFULFILLED.

What I came to realize is that I needed "something" that gave me a sense of purpose, "something" that would provide a wonderful living for my family now and later, and "something" that would allow me to utilize my entrepreneurial gift within a team/corporate structure.

After experiencing this opportunity for the last five years you couldn't drag me back to corporate America or anything else because I have found that "something"! 


When I came on board I was coachable, trainable, hungry for more in life and extremely driven.  I am still all of these things and will remain to be because If I've experienced what I have in five years, I can't wait to see what the future will be. This opportunity is REAL and with hard work, dedication, resilience and great attitude tied to a vision you WILL experience REAL RE$ULT$."

Corey Ottinger

MGA, Tri-Cities, TN

"After playing college basketball for a year in 2009, I left and went home knowing school just wasn't for me. I found myself working at a factory and I hated every moment of it. I was making $20 an hour and I became comfortable. I had accepted this income and I thought I would probably be there the rest of my life. At the age 24, my dreams had died. 

Eight months after being presented with the opportunity to work with Lincoln Heritage, I finally decided to give it a shot. I could no longer work for a company that didn't value my worth. I was tired of just being a number. I had reached a breaking point. Without risk, there is no reward, right? 

This career has forever changed my life. Don't think for a second you don't have to work hard at this. Success isn't handed to you, it's earned. If you invest your blood, sweat, and tears into this opportunity, you too can make more money than you could ever imagine. 

Fight for your quality of life. 

At the end of the day, I look at my boss in the mirror. Prove your worth to your family and friends. 

More importantly, prove it to yourself."


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Vision To Legacy Group | 423-509-3068 | visiontolegacygroup@gmail.com