Tailored life, health, and protection solutions that safeguard families, preserve assets, and ensure clarity for generations to come.
Through strategic consulting, we design personalized frameworks that protect assets, support families, and preserve long-term vision.
We work alongside legal and financial professionals to help clients create a comprehensive plan to protect and transfer assets efficiently.
Protection that truly fits your life. We design insurance solutions with clarity and trust—delivering premium, bilingual guidance for every family.
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Strategic, time-defined coverage designed to secure your family during life’s most pivotal financial years.
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Flexible, permanent coverage with market-linked growth and built-in downside protection—uniting security with opportunity.
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Lifetime protection with guaranteed premiums and steady cash value growth—delivering security and certainty for generations.
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Curated health coverage for individuals, families, and businesses—comprehensive solutions with supplemental and critical illness protection, backed by access to every major carrier in the U.S.
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Life insurance designed to safeguard your home, ensuring the mortgage is paid if you pass away or face a serious illness.
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Compassionate coverage that preserves dignity—ensuring your family is cared for with peace of mind during life’s most difficult moments.
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Bilingual events that transform complex financial concepts into clear, actionable strategies—empowering families and entrepreneurs with confidence.
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Strategic retirement solutions delivering guaranteed income, tax-deferred growth, and resilience against market volatility.
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Sophisticated strategies for tax-free retirement, estate planning, and seamless wealth transfer—elevating and protecting your legacy.
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Term Life Insurance provides disciplined protection for a defined period—10, 20, or 30 years—ensuring income replacement, paying off the mortgage, and the preservation of education goals if the unexpected occurs. It serves as a strategic safeguard for entrepreneurs and professionals in their key wealth-building years, while offering the flexibility to convert into permanent coverage as needs evolve.
Young families, homeowners, entrepreneurs, and parents seeking robust yet cost-effective protection for a fixed timeframe.
Fixed-term coverage that ensures your family remains secure through your most important financial years.
Replaces lost income to sustain everyday living expenses and maintain lifestyle.
Protects against outstanding obligations—mortgage, loans, and other debts—so loved ones inherit security, not liability.
Many carriers offer seamless conversion to permanent coverage without additional medical underwriting.
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Indexed Universal Life (IUL) combines lifelong protection with the ability to accumulate cash value through index-linked crediting strategies, typically with downside floors. With flexible premiums and powerful tax advantages, IUL serves as a modern, sophisticated solution for retirement income, long-term wealth creation, and legacy transfer—blending protection with performance.
Affluent families, entrepreneurs, and professionals seeking tax-efficient retirement income, strategic wealth growth, and generational legacy planning.
Permanent coverage with flexible premiums that evolve with your financial strategy.
Cash value accumulates through index crediting, offering growth potential with built-in downside resilience.
Unlock policy values in a tax-advantaged way to fund retirement or strategic financial goals.
Streamlines wealth transfer and builds multi-generational financial security.
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Whole Life Insurance provides lifelong coverage with powerful guarantees: fixed premiums, permanent protection, and tax-advantaged cash value accumulation. More than insurance, it serves as both a reliable shield for your family and a conservative financial asset—designed to anchor long-term security and facilitate seamless wealth transfer.
Individuals focused on building generational wealth, families seeking lifetime security, and those who value predictable, guaranteed outcomes.
Permanent coverage that ensures benefits are delivered whenever needed.
Builds steady, tax-advantaged reserves that can be accessed through loans or withdrawals.
Payments remain stable and predictable, providing clarity for long-term planning.
Establishes a guaranteed inheritance, streamlining the transfer of assets in a tax-efficient manner.
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As an independent brokerage, Luz & Legacy provides access to all major carriers across the United States—ensuring that every recommendation is objective, strategic, and tailored. Health Insurance with us means more than coverage: it is a carefully designed plan to secure care, protect wealth, and adapt to evolving needs. From individual and family solutions to group benefits, supplemental options, and critical illness protection, we align health planning with long-term financial strategy and legacy preservation.
Individuals, families, and business owners who expect more than standard coverage— seeking strategic health solutions curated from the entire U.S. market.
Brokerage access to every major U.S. carrier ensures the most competitive and strategic fit.
Designed to match each stage of life and personal priorities.
Comprehensive benefits for businesses and organizations to protect and retain top talent.
Enhances existing plans with targeted coverage for unique needs.
Shields income, lifestyle, and wealth continuity against major health challenges.
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Mortgage Protection ensures that your home remains a secure cornerstone of family life, even in the face of loss or illness. Unlike lender-owned products, our coverage is fully portable—following you through refinancing or relocation. As part of a broader financial strategy, it shields your family from the burden of mortgage debt while preserving stability and continuity in times of uncertainty.
Homeowners and families committed to protecting their residence as both a financial asset and a legacy foundation.
Pays off or reduces your mortgage, ensuring your family retains ownership of the home.
Provides benefits upon diagnosis of covered conditions, relieving financial strain during recovery.
Assists with payments if you become unable to work due to disability.
Preserves your loved ones’ security, maintaining home and stability through life’s challenges.
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Final Expense Insurance is a thoughtful solution designed to protect loved ones from the immediate financial strain of end-of-life costs. It ensures your family is cared for with dignity and peace of mind—covering funeral services, medical expenses, and small obligations—so they can focus on honoring your legacy rather than managing unexpected burdens. Rooted in compassion, this policy provides comfort, clarity, and lasting security.
Seniors, retirees, and families who wish to protect their loved ones from financial and emotional stress, offering dignity and peace of mind during life’s most difficult moments.
Covers burial, cremation, and service expenses, ensuring dignity without financial strain.
Helps resolve outstanding healthcare costs, reducing stress on family members.
Provides quick access to funds, supporting loved ones when it matters most.
Assists in settling small debts, allowing family to focus on healing and remembrance.
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Our Educational Workshops & Webinars provide bilingual, practical insights into insurance, retirement, estate planning, and college funding. By simplifying complex topics into clear, strategic guidance, we equip families, entrepreneurs, and communities with the tools to make informed financial decisions. More than education, these sessions are designed to inspire action and create confidence in building and preserving legacy.
Families, entrepreneurs, immigrant communities, and professionals seeking clarity, empowerment, and practical strategies for financial planning.
Understand how life and health insurance strengthen financial security and protect family wealth.
Explore tax-advantaged strategies to create reliable, long-term income.
Learn how to protect assets and ensure seamless wealth transfer across generations.
Discover how to secure education for the next generation without creating debt.
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Annuities are designed to provide long-term financial security by combining guaranteed income with tax-deferred growth. Customized as Fixed, Indexed, Immediate, or Deferred, they align with your retirement vision to create reliable cash flow and safeguard against market swings. Beyond protection, annuities serve as a disciplined diversification tool—ensuring stability, predictability, and confidence throughout retirement.
Affluent retirees, families, and business owners seeking guaranteed income streams, tax efficiency, and diversified strategies for long-term wealth preservation.
Predictable payments for life or a set term, anchoring retirement security.
Earnings compound without immediate taxation, optimizing wealth accumulation.
Indexed options offer upside potential with built-in downside protection.
Immediate or deferred structures tailored to fit your retirement strategy.
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Our Advanced Wealth & Legacy Strategies are designed for those who seek more than financial protection—they seek optimization. From tax-free retirement solutions and estate planning to business continuity and college funding, we structure strategies that preserve capital, minimize taxation, and enable intelligent wealth transfer. These solutions safeguard your family today while securing a lasting legacy for generations.
High-income professionals, entrepreneurs, and families seeking advanced, tax-efficient strategies for wealth growth, preservation, and legacy transfer.
Build stable, tax-advantaged income streams with strategies insulated from market volatility.
Minimize tax exposure while ensuring smooth and intentional wealth transfer.
Safeguard and incentivize leadership with Buy-Sell Agreements, Key Person, and Executive Bonus plans.
Secure future education through cash-value strategies that prevent student debt.
Tailored advice for your goals and your family. We turn uncertainty into a clear plan, offering premium bilingual support every step of the way.
Guidance on cash flow,
emergency fund strategies, debt optimization, and an introduction to tailored
insurance and savings tools.
Personalized retirement strategies (IRA,
Roth IRA, 401(k) rollovers), education savings guidance, insurance coordination,
and clarity on long-term planning.
Executive bonus and key-person
coverage, asset protection strategies, tax-advantaged planning, and business
succession solutions for lasting impact.
Planning your estate is an act of love. We help protect assets, reduce risks, and preserve your legacy with multicultural, bilingual, and expert care.
At Luz & Legacy, estate planning goes beyond transferring assets—it safeguards
your vision and preserves your family’s legacy. We collaborate with attorneys,
legal experts, and financial specialists to minimize taxes, reduce complexity,
and ensure your wishes are carried out with precision. The result is a
comprehensive plan that aligns wealth with values.
Families and individuals seeking clarity, tax efficiency, and meticulous execution, so their estate is passed on with intention and respect.
We’re here to listen, guide, and design protection strategies tailored to your needs.
Connect with us and take the first step toward securing your legacy.
Monday to friday 8:00 am to 5:00 pm
+1 (480) 866-8714
+1 (480) 866-8714
support@luzandlegacy.com
Founded by two proud Latinas, Luz & Legacy Insurance was created to close the wealth gap—one policy at a time
