Welcome! Life insurance and retirement planning in Salinas
Protect the people you love. Build a legacy that lasts.
We're Victor and Bernie, licensed life insurance agents here in Salinas. We sit down with you, compare plans from several insurance companies, and help you find coverage that fits your family and your budget.
Get a free quote
No pressure and no cost. Call, text or email us and we will get back to you promptly.
Licensed California life insurance agents · CPIS
Coverage for every stage of life
From your first policy to planning retirement income, we help you choose what fits.
Term life insurance
Affordable coverage for 10, 20 or 30 years, so your mortgage, bills and kids are covered if something happens to you.
Learn more: Term life insuranceWhole life insurance
Permanent coverage with a premium that never goes up and cash value that grows over time.
Learn more: Whole life insuranceIndexed universal life (IUL)
Lifetime coverage with flexible premiums and cash value growth linked to a market index, with a floor that protects against market losses.
Learn more: Indexed universal life (IUL)Final expense insurance
A small whole life policy that pays for the funeral, burial and final bills, often approved with a few health questions and no medical exam.
Learn more: Final expense insuranceAnnuities
Fixed and fixed indexed annuities that protect your principal and can pay you an income for as long as you live, backed by the insurance company that issues them.
Learn more: AnnuitiesRetirement and 401k/403b rollovers
Changing jobs or retiring? We'll help you understand your rollover options and plan the income you'll need in retirement.
Learn more: Retirement and 401k/403b rollovers
Questions? Talk to a licensed agent today.
We answer calls and texts in English and Spanish.
Why families in Salinas work with us
Licensed in California
Two licensed agents
Victor (CA license #4067982) and Bernie (CA license #4101380) are licensed California life insurance agents.
Backed by CPIS
Plans from many companies
Through our agency, CPIS, we compare policies from several insurance companies instead of selling one brand.
Bilingual
English and Spanish
Every call, meeting and document is explained in the language you prefer.
Local
Based in Salinas
We meet by phone, video or in person around Monterey County, and we work with clients across California.
About Living Legacy
Honest guidance, one family at a time
Life insurance can feel complicated. We started Living Legacy Health and Financial Wellness to make it simple: listen first, explain every option, and never push a policy that does not fit.
We listen first
We start with your family, your budget and your goals, not with a product.
We compare for you
We shop plans from several insurance companies and show you the trade-offs side by side.
We stay with you
Beneficiary changes, claims questions or a new baby: call us and we handle the paperwork with you.
Meet the team
Your agents, Victor and Bernie
Real people you can call directly.
Victor
Licensed life insurance agent · CA #4067982
Victor has been licensed since 2020 and is focused on helping families and business owners find sustainable solutions for their financial services needs. Victor came to this industry with an MBA degree and 25 years in produce operations management.
Bernardita
Licensed health and life insurance agent · CA #4101380
Bernardita, or Bernie, focuses on final expense, whole life and helping clients understand their options in Spanish and English. Bernardita holds licenses in health and life insurance services. Prior to focusing on financial services, she worked in healthcare and nonprofit administration for nearly 12 years.
How it works
Three easy steps to the right coverage
Most clients have a plan in place within a week or two.
- 01
Talk with us
A short call or meeting to learn about your family, budget and goals.
- 02
Compare your options
We bring back quotes from several insurance companies and explain each one.
- 03
Apply and relax
We walk you through the application and stay available for anything you need later.
Common questions
How much does life insurance cost?
It depends on your age, health, the type of policy and the amount of coverage. Term policies are usually the most affordable. We will give you real quotes so you can compare.
Do I need a medical exam?
Not always. Many final expense and some term and whole life policies offer simplified approval with health questions only. We will tell you what each company requires.
Can you help in Spanish?
Yes. We are fully bilingual and can handle every step in Spanish or English.
Is there a fee for a quote?
No. Quotes and consultations are free, and there is no obligation to buy.
Ready to protect your family's future?
Get a free, no-pressure quote from a licensed local agent.
Call, text or email us
We answer during business hours and return messages promptly.
Serving Salinas, Monterey County, California
Hours
- Monday
- 9:00 AM – 5:00 PM
- Tuesday
- 9:00 AM – 5:00 PM
- Wednesday
- 9:00 AM – 5:00 PM
- Thursday
- 9:00 AM – 5:00 PM
- Friday
- 9:00 AM – 5:00 PM
- Saturday
- Closed
- Sunday
- Closed