Indexed Universal Life (IUL)
Permanent life insurance with cash value growth linked to a market index and a 0% floor that protects you from market losses.
Wealth + Protection
Life · Health · Retirement
Protect your family today. Build your legacy for tomorrow.
Triquetra Legacy is an independent insurance agency in Morgan Hill, California. We compare plans from multiple top-rated carriers to find coverage that fits your family, your health, and your budget.
Independent, multi-carrier
Life & health licensed in 13 states + D.C.
No-cost consultations
What We Offer
Life and health coverage for every stage of life
We work for you, not one insurance company. That means honest comparisons and a plan built around what matters to your family.
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Final Expense
Affordable whole life coverage that pays for funeral costs and final bills, so your loved ones aren't left with the burden.
Ages 50–85Annuities
Fixed and fixed indexed annuities that protect your principal and can turn your savings into guaranteed retirement income.
Retirement IncomeMortgage Protection
Coverage designed to pay off or keep up your mortgage if something happens to you, so your family can stay in their home.
HomeownersTerm Life
High coverage at a low cost for a set period of 10 to 30 years. Ideal for young families and income replacement.
Budget-FriendlyLiving Benefits
Riders that let you access your death benefit early for a qualifying chronic, critical, or terminal illness while you're still living.
Use It While LivingCritical Illness & Cancer
Supplemental plans that pay you a lump sum if you're diagnosed with cancer, a heart attack, or a stroke, to help with bills that health insurance doesn't cover.
Supplemental HealthAccident & Hospital Indemnity
Cash benefits paid directly to you for accidental injuries or hospital stays, to cover deductibles, copays, and everyday expenses while you recover.
Supplemental Health
Our Carrier Partners
We shop the market so you don't have to
As an independent broker, we compare plans from many highly rated insurance companies to find the best fit for your health, goals, and budget.
Where We're Licensed
Licensed for both life and health insurance in 13 states and Washington, D.C. We help clients by phone or video. Tap any state to verify our license with that state's insurance department.
California License #4407243 · NPN #21314127
- ALAlabamaVerify ↗
- CACaliforniaVerify ↗
- DCWashington, D.C.Verify ↗
- FLFloridaVerify ↗
- IDIdahoVerify ↗
- LALouisianaVerify ↗
- MDMarylandVerify ↗
- NVNevadaVerify ↗
- NYNew YorkVerify ↗
- NCNorth CarolinaVerify ↗
- OHOhioVerify ↗
- SCSouth CarolinaVerify ↗
- TXTexasVerify ↗
- WAWashingtonVerify ↗
View license documents
Meet the Founder
Rooted in education. Driven by legacy.
Riley Rosette is a passionate and dedicated professional committed to helping protect families from life’s uncertainties. A proud alumna of California State University, Monterey Bay, she graduated summa cum laude with distinction in Liberal Studies and holds a Multiple Subject Clear Credential.
Her early career as a middle school teacher laid a strong foundation in communication, empathy, and leadership. Today, she brings that same dedication and purpose to her role as a licensed life and health insurance broker, guiding individuals and families in making informed decisions about their future.
Riley believes that continuous growth, in both personal and professional realms, is essential. Maintaining a positive outlook and embracing a growth mindset are values she lives by, and she strives to reflect these principles in every area of her work.
Riley RosetteFounder & Licensed Life and Health Insurance Broker
FamilyProtection for the people who depend on you
FuturePlans that grow with your goals
LegacyWealth you can pass on with confidence
How It Works
Simple, clear, and no pressure
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Free Consultation
We learn about your family, goals, health, and budget in a quick phone or video call.
Book your call ↗Compare Carriers
We shop multiple top-rated companies to find the best fit and price for your situation.
Apply with Ease
Many plans need no medical exam. We guide you through every question on the application.
Ongoing Support
We review your coverage as life changes and stay your point of contact for years to come.
Insights
The Legacy Blog
Plain-language guides to life insurance, retirement and health coverage, written to help you make confident decisions for your family.
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Careers
Build a career that protects families
Triquetra Legacy is growing, and we're looking for motivated, coachable people who want to help families plan for the future. Whether you're already licensed or brand new to insurance, we'll give you the training, tools and support to succeed.
- Licensed and non-licensed applicants welcome
- Remote-friendly, with clients in 13 states + D.C.
- Independent contractor, commission-based role
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Training & mentorship
Step-by-step training from a former teacher, plus regular coaching calls, scripts and field support.
Flexible schedule
Work from home or on the go, full-time or part-time, with appointments set around your life.
Multiple top carriers
Offer clients real choices with access to many highly rated life, health and annuity carriers.
Help getting licensed
New to insurance? We'll walk you through pre-licensing, the state exam and your first appointments.
Leadership path
Grow into a leadership role and build your own team as your business develops.
Meaningful work
Help families protect their income, homes and legacy, and see the difference you make.
Apply to join the team
Tell us a little about yourself. Riley reviews every application personally and will reach out to set up a short interview call.
Questions
Frequently asked questions
What does it mean that you're an independent agency?
We're appointed with multiple insurance carriers instead of one. That lets us compare plans side by side and recommend what fits you best.
Do I need a medical exam?
Not always. Many carriers offer accelerated or simplified underwriting that uses your application answers and records instead of an exam. Larger amounts or certain health histories may still require one.
Can I get coverage with health conditions?
Often, yes. Conditions like diabetes, high blood pressure, or a past heart or stroke event are handled differently by each carrier. Shopping across companies is how we find the best approval and price.
What's the difference between term life and IUL?
Term life covers you for a set number of years at a lower cost. IUL is permanent coverage that also builds cash value you can access later, with growth tied to a market index and protection from market losses.
What is supplemental health insurance?
Supplemental plans like critical illness, cancer, accident, and hospital indemnity pay cash benefits directly to you. They work alongside your regular health insurance to help cover deductibles, copays, lost income, and other costs during a health event.
Does a consultation cost anything?
No. Consultations and quotes are free, and there's no obligation to buy.
Contact Us
Let's protect what matters most
Request your free quote and we'll reach out within one business day.
Phone(408) 208-6288
HoursMon–Fri 9:00 am–6:00 pm
Sat 8:00 am–3:00 pm
Sat 8:00 am–3:00 pm
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