Services
Coverage That Has Your Back
I’ll help you cut through the fine print and find health, life, and Medicare plans that make sense for your budget. Every consultation is free.
Making Sense of Medicare
Turning 65 brings a mountain of junk mail and confusing commercials. Let me rescue you from the noise. I’ll figure out what Advantage and Supplement plans actually cover, and help you pick one that includes your current doctors and prescriptions.
Most Popular
Medicare Advantage (Part C)
Bundles your hospital, medical, and often prescription drug coverage into one plan — usually with extra benefits like dental and vision.
Medicare Supplement (Medigap)
Covers the gaps Original Medicare leaves behind — copays, coinsurance, and deductibles for predictable out-of-pocket costs.
Part D Prescription Drug Coverage
Part D plans vary widely. I match your current medications against available plans to make sure you’re not overpaying at the pharmacy.
Enrollment Period Guidance
Missing your enrollment window means late penalties and gaps in coverage. I walk you through every deadline so you never miss one.
“Medicare sounds simple until you look at the options. I sit down with you and compare plans side by side—no fine print surprises.”
— Lady Legacy
Life Insurance Without the Guesswork
Life insurance is the ultimate shield for the people you leave behind. If you’re worried about costs or medical exams, let’s talk. I’ll help you figure out the exact amount you need to keep the mortgage paid and your family secure.
Term Life Insurance
The most affordable option — pure protection for 10, 20, or 30 years. Ideal for covering a mortgage or income replacement.
Whole Life Insurance
Covers you for your entire life and accumulates cash value you can borrow against. Great for estate planning or leaving a legacy.
Flexible
Index Universal Life (IUL)
Flexible premiums with potential to grow cash value tied to a market index — with downside protection.
Simple Process
Final Expense Insurance
Small whole life policies ($5,000–$50,000) for funeral and burial costs. Most people qualify regardless of health.
“A lot of people put off life insurance because they think it’s expensive. I’ll show you exactly what it costs, and many plans don’t even require a medical exam.”
— Lady Legacy
Retirement Planning for the Real World
You’ve worked hard for your money. Whether you’re retiring in five years or twenty, I’ll help you set up a clear, bulletproof strategy so you don’t outlive your savings.
Most Popular
Annuities — Guaranteed Income
A steady, predictable income stream you can count on — no matter how long you live.
IRA & 401(k) Rollovers
Changing jobs or retiring? I guide you through rolling over retirement accounts into IRAs without tax penalties.
Retirement Income Strategies
A strategy that balances growth, protection, and income. From Social Security timing to withdrawal strategies.
Personalized Timeline Plans
Whether retirement is 5 years away or 25, your plan should fit your life — not a generic template.
“Retirement planning is about protecting the life you’ve built. I help you plan for real-world costs so you can actually enjoy your time off.”
— Lady Legacy
Health Insurance That Actually Fits
If you’re self-employed, between jobs, or running a small business, buying health insurance is frustrating. Let me take the wheel. I’ll navigate the marketplace for you and find a plan that covers your needs without sticker shock.
Individual & Family Plans
Self-employed, freelancer, or lost employer coverage? I’ll find a plan that fits your household size and budget.
We Handle It
ACA Marketplace Enrollment
Confused by healthcare.gov? I handle the whole enrollment process — subsidies, metal tiers, all of it.
Group Health for Small Businesses
You don’t need to be a big company to offer great benefits. Plans for businesses with as few as 2 employees.
Short-Term & Supplemental
Between jobs or waiting for open enrollment? Short-term plans bridge the gap. Supplemental plans add an extra layer.
“Health insurance shouldn’t be a headache. We compare dozens of plans, side by side, so you can pick the one that works for your budget.”
— Lady Legacy
NOT SURE WHAT YOU NEED?
That's Exactly Why I'm Here
You don’t need to know which plan is right before we talk. That’s my job. Let’s have a quick, free conversation and figure it out together.
🇲🇽 🇺🇸 Disponible en Español
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 Covered
We review the best options together. You pick the winner, and I handle all the paperwork.
READY TO GET STARTED?
Ready to Cross Insurance Off Your To-Do List?
I’d love to hear your story and help you build a plan that protects what matters most. Every conversation is free, confidential, and completely no-pressure.
© 2026 Lady Legacy — Liz Correa Shamlian · Tovar Financial Group · All rights reserved.