Protecting what matters, Preserving your Legacy
Protect and build your future with comprehensive guidance with Jose from Capital Pensions and Insurance Solutions.
Our Mission is Simple:
We don’t set you up with a plan and ride off to the sunset and never hear from us again. Our solely purpose is to educate our clients on the importance of having a policy and what it can do for the client and their family. Legacy Life Insurance wants to bring awareness to our Latino community in the Valley of Salinas California which the majority don’t have a policy in place. Our goal is to protect everyone in all states.
“No financial hardship towards your family”
Why is Life Insurance Important?
Life insurance is a crucial safety net, designed to protect your loved ones from financial hardship in the event of your absence. It’s not just a policy; it’s a plan for preserving the well-being of your family. By opting for life insurance, you provide your spouse and children with a layer of financial security that can help safeguard your family’s future.
Medical and Final Expense Coverage
Life insurance can assist in covering any medical bills or final expenses, providing peace of mind knowing these aspects are taken care of.
Living Expenses Support:
It ensures that your family’s daily living expenses are met, maintaining their standard of living even in your absence.
Debt Relief
Life insurance can help cover outstanding debts, alleviating the financial burden on your family during challenging times.
Life insurance quotes can be affordable. Connect with Us Today!
Ratings & Reviews
TYPES OF LIFE INSURANCES YOU COULD BENEFIT FROM
TERM LIFE INSURANCE
INDEXED UNIVERSAL LIFE INSURANCE
FINAL EXPENSE LIFE INSURANCE
TEACHERS RETIREMENT SOLUTIONS
TERM LIFE INSURANCE
Safeguarding Your Family's Future
Term life insurance is a life insurance policy that provides coverage for a predetermined amount of time, ensuring that your family’s future is safeguarded.
Many people buy term life insurance for income replacement. They’re looking for life insurance that will provide funds for a family to pay expenses for a certain number of years if they were no longer there to work and earn money.
- Defined Coverage Period: Provides protection for a specific time frame, typically between 10 to 30 years.
- Benefits of a Term Policy: 1. Mortgage Protection 2. Buy/Sell Agreements 3. Low Cost Insurance 4. Tax Free Generational Wealth
- Living Benefits: Provides a death benefit and, through optional Accelerated Benefits Rider, protection while you are lving y you experience a qualtying terminal, chronic, critical illness or critical injury
INDEXED UNIVERSAL LIFE INSURANCE
Flexibility and Growth Potential
Indexed Universal Life (IUL) insurance is permanent, which means it last your entire life and builds cash value. An IUL policy allows for some cash value growth through an equity index account, unlike other universal policies that grow cash value through non-equity earned rates.
- Tax Free: You don’t pay uncle sam fees its your money tax free.
- Index Growth: It mirrors the SP&500 with no loss
- Your Personal Bank: Be your own bank and get money when you really need it
- Living Benefits: Have the help you need without having to die. Chronic illness/ Critical Injury/ Critical Illness/ Terminal Illness
FINAL EXPENSE LIFE INSURANCE
Simple and Accessible Protection
It’s an overwhelming experience when a loved one passes away. Those who are grieving often overspend without a plan to guide them. Protect your loved ones from added stress and financial burden during this difficult time with a Final Expense Plan.
- Funeral Cash Benefit Plans up to $35,000: offers no medical exam for application, quick 24-hour claim payouts, a simple one-page application process, and broad coverage accessibility, even for those with health issues.
- Family Support Services: FCGS helps families save money when buying a funeral for a loved one.
- Paid Within 24 Hours: Simple as that. No other life insurance company can make this promise.
TEACHERS RETIREMENT SOLUTIONS
Securing Your Future Beyond the Classroom
Our Teachers’ Retirement Solutions are designed with educators in mind, ensuring a secure and fulfilling retirement.
Investing for retirement doesn’t stop at a state-sponsored pension plan. Tax Sheltered Annuities (TSA) are available to bridge the gap in your retirement income. They offer tax-advantaged growth while protecting your principal in the event of a declining market. As retirement draws near, you’ll need enough money so as to not outlive your savings. Using available enhanced benefits, Teachers Retirement Solutions can tailor a plan guaranteed to provide income throughout your retirement years.
- Pension Report & Gap Analysis (Calsters)
- 403B & 457B and IRA Unbiased comparisons
- We work with Certificated and Non certified staff
Understanding these trends and statistics is crucial in making informed decisions about life insurance
Lets talk about getting Life Insurance
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