Need Guidance?
Start
Living a Legacy
by understanding your current
Estate Plans.
Located in Bakersfield Ca, and serving all 50 States.
Living the Legacy Agency LLC is dedicated to empowering families to plan for the unexpected while embracing life’s best moments. From coma to disability or passing, having a plan in place eases stress, prevents disputes, and minimizes the impact on loved ones. Let us make this difficult conversations easy and the planning process seamless.
Explore our personalized services below or schedule a time to talk.
Comprehensive
Estate Planning
Recommended for Homeowners, Parents, and Retirees too AVOID Probate and Family Desputes.
(Anyone with Homes, Cars, Saving Accounts, Investment Products, Businesses, & More...)
Each Portfolio can protect an Individual & Married couple with;
Revocable Living Trust
-- Income Only Option
-- A/B Trust Option
-- Spendthrift Provisions
-- IRA "Look-through"
-- Optional Sub-Trust for Children
Certificate of Trust
Financial Power of Attorney
Healthcare Power of Attorney
Living Will w/ Advance Directives
Last Will & Testament
Online Funding Kit
Unlimited Funding Letters
Online Document Vault
24/7 Account Access
*Unlimited Updates & Changes
*Unlimited Restatements
PLUS 3 BONUSES
Activate a Portfolio,
Watch a short video, or
Request a Demo down below.
Final Expense Whole Life Insurance
Usually aiming for coverage from $5,000 up to $45,000
More Affordable for those age 45 - 89
Qualifies clients from the healthy to people with a list of Meds or Health Conditions
*Most qualify for immediate coverage from day one.
** For severe conditions you may qualify for a modified product.
Filled Applications are Authorized by email
No Medical exam for most applications. ***
Monthly premiums that never increase
Death Benefit never Decrease.
they Can pay out usually in hours or days of your passing to pay funeral expenses.
Beneficiaries receive Tax-Free funds by check or direct deposit.
* All carriers will review cause of death and health records if insured dies with in the first 2 years of the issue date.
** Modified plans offer immediate accidental death coverage and full coverage at the 2 year mark.
*** higher coverages require either a saliva swab or Para-Med.
A field underwriter is in the position to search multiple carriers and find you the lowest cost policy.
** We believe you shouldn't pay more than you have to.
Term Insurance/ Mortgage Protection Insurance
Usually aiming for coverage from $25,000 up to $500,000+
More Affordable for those age 18 - 55
Qualifies clients from the healthy to people with a short list of Meds or Health Conditions
qualified plans give immediate coverage from day one
.
Filled Applications are Authorized by email
No Medical exam for most app
Monthly premiums Are only locked for the length of the term 5, 10, 15, 20, 30 years.lications. **
Monthly premiums Are only locked for the length of the term 5, 10, 15, 20, 30 years.
Death Benefit never Decrease for the length of the term.
they Can pay out usually in hours or days of your passing after the first 2 years.
Beneficiaries receive Tax-Free funds by check or direct deposit.
* All carriers will review cause of death and health records if insured dies with in the first 2 years of the issue date.
** higher coverages require either a saliva swab or Para-Med.
A field underwriter is in the position to search multiple carriers and find you the lowest cost policy.
** We believe you shouldn't pay more than you have to.
High Cash Value/ IUL Plans
Bank on Yourself Concept
Aiming for Higher Cash value Growth than death benefit coverage. *
Qualifies clients from the healthy to people with a short list of Meds or Health Conditions
Qualified plans give immediate coverage from day one
.
Does require a Para-med. **
Monthly premiums Are locked in.***
Available upfront loading policy with cash
Death Benefit never changes ***
Can be Designed for retirement income, Savings account with stock market growth, or even college funding for your Offspring's.
They Can pay out usually in hours or days of your passing after the first 2 years.
Beneficiaries receive Tax-Free funds by check or direct deposit.
* Minimum Death Benefits usually around $100,000
** A paid for service of taking blood, urine, height, weight, & saliva by a professional nurse.
Healthy clients may go through express underwriting.
*** Premium and Death benefits stays locked in unless upgrading the policy is needed
A field underwriter is in the position to search multiple carriers and find you the lowest cost policy.
** We believe you shouldn't pay more than you have to.
Retirement Planning
For Retired or Retiring
Each Portfolio protects an Individual & Spouse.
Determine your retirement income.
Reviewing your current assets.
Revise the financial cost that can burden the family if left undone.
Analyze if a payment plan makes financial sense to start today and protect your lifestyle.
A representatives is in the position to Educate you on the options & explain how to finance Peace of Mind.
Your Legacy for Now, Then, & After
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