🇺🇸 🇲🇽 Proudly serving Texas families statewide | Hablamos Español
Insurance Made Simple for Texas Families
Finding the right coverage shouldn’t require superpowers. I’ll help you cut through the fine print and find health, life, and Medicare plans that actually make sense for your budget.
500+
Families Protected
15+
Years Experience
30+
Carriers Compared
5 ★
Client Rating
YOUR INDEPENDENT BROKER
Hi, I'm Liz. But my clients call me Lady Legacy.
“My loyalty is to you, not an insurance company. Think of me as your personal shield against confusing policies and fine print.”
Every everyday hero has a specialty. Mine is shopping your coverage across dozens of carriers so you don’t have to. Whether you’re turning 65, setting up a retirement plan, or buying life insurance, I’ll walk you through your exact options in plain English or Spanish.
🛡️ Licensed Texas Broker
🏢 Tovar Financial Group
🤝 Independent Broker
WHAT I COVER
Coverage Built for Your Life
From doctor visits to retirement income, let me handle the heavy lifting so you don’t have to.
Medicare Plans
Overwhelmed by a mountain of mailers? If you’re turning 65, I’ll rescue you from the noise and help you pick a Medicare plan that covers your actual doctors and prescriptions.
- ✓Medicare Advantage (Part C)
- ✓Medicare Supplement / Medigap
- ✓Part D prescription drug coverage
- ✓Enrollment period guidance
Life Insurance
This is what the “Lady Legacy” name is all about. We’ll figure out exactly how much coverage you need to keep the mortgage paid and ensure your family is safe if the unexpected happens.
- ✓Term, whole life & index universal
- ✓Final expense coverage
- ✓No medical exam options
- ✓Cash value & legacy planning
Retirement Planning
You’ve worked hard for your money. Let’s set up a clear, bulletproof strategy so your savings last through your whole retirement.
- ✓Annuities — guaranteed income
- ✓IRA & 401(k) rollovers
- ✓Retirement income strategies
- ✓Personalized timeline plans
Health Insurance
Self-employed or uninsured? I’ll navigate the marketplace for you and find a health plan that covers what you need without sticker shock.
- ✓Individual & family plans
- ✓ACA marketplace enrollment
- ✓Small business group plans
- ✓Short-term & supplemental
HOW IT WORKS
How We Keep It Simple
No long forms. No robots. Just a real champion in your corner.
We Talk
Tell me about your family, your health needs, and your budget. I listen to what you actually need.
I Shop
I take your information and compare prices across more than 30 insurance companies to find the perfect fit.
You're Protected
We review the best options together. You pick the winner, and I use my ultimate superpower: handling all the paperwork.
CLIENT STORIES
Families I've Protected
★★★★★
“Liz walked me through every Medicare option without the confusing jargon. I finally feel confident about my coverage.”
Maria G.
McAllen, TX — Medicare
★★★★★
“She found us life insurance we could actually afford. My husband and I sleep better knowing our kids are protected.”
Sandra R.
Edinburg, TX — Life Insurance
★★★★★
“I was lost trying to plan for retirement. Liz sat down with me and made it simple. She genuinely cares about your future.”
Roberto M.
Mission, TX — Retirement
QUESTIONS & ANSWERS
Common Questions
Nothing — ever. Every consultation is completely free with no strings attached.
No. I’m an independent broker. I shop your coverage across dozens of carriers and bring you the best options.
Term life covers you for a set period and is the most affordable. Whole life covers you for your entire life and builds cash value.
Absolutely. I compare Medicare Advantage and Supplement plans from multiple insurers side by side.
¡Sí! I’m happy to walk you through everything in Spanish or English — whatever’s most comfortable.
Many plans activate within 24–48 hours. Some life insurance policies can be approved the same day.
READY TO GET STARTED?
Get a Protector in Your Corner
Let’s figure out what coverage makes sense for you and your family. No pressure, no hassle, no obligation.