Protection and financial strategy for families and businesses building wealth in the United States. I compare the carriers, structure the protection and show you how what you already have can work in your favor.
Registered with the state insurance department.
I represent different companies, compare the terms and bring you what makes the most sense.
Whether it's a policy or a wealth strategy, I walk you through every step. You're never left alone with the paperwork or with the decision.
My work has two sides, and they complete each other. One makes sure your family isn't unprotected if something happens to you. The other makes the wealth you've already built generate liquidity, protect your business and open up opportunity.
Protection for your family, with the right coverage for your moment, your health and your budget.
See Insurance PlansLiquidity strategy, asset protection and succession, for individuals and for businesses.
See Financial StrategyAn emergency never gives warning. In the United States, one unexpected event or the lack of a plan can erase years of work and leave your family facing hard decisions at the worst possible time.
Life insurance isn't about you. It's about the ones you leave behind.
There's no single product. Each path protects your family in a different way. It can be for a set period, for life, building cash value or taking care of your retirement. Take a look at some of the most requested solutions before choosing yours.
Coverage for 10, 20 or 30 years. The most affordable option for anyone with children, a mortgage or income the family depends on.
Learn morePermanent protection that builds cash value following a market index, with a floor that protects you from losses.
Learn moreThe solutions above are the most requested, not the only ones. There are other types of coverage, with different benefits, terms and features, built for needs that don't fit on a single page.
The right coverage for you may not be described here. It could be a smaller policy for a specific need, protection designed for someone with family in another country, a policy with flexible premiums or a product built for retirement income.
Tell me what you need and I'll look, among the carriers I represent, for the coverage that fits your case. That's exactly what I do.
Get in TouchNo surprises. You know exactly what happens at each step, from the first contact until your policy takes effect.
You run the estimate or get in touch. I pull the options from the carriers and compare the terms for your profile.
Once we choose the best option, we complete the application with the carrier. I walk you through it.
Not every policy requires a medical exam. When the carrier asks for one, I explain what's reviewed and how to schedule it.
After approval, you sign the contract and your policy goes into effect. I follow it through to the final confirmation.
I'll get back to you soon.
Run Your EstimateA well-structured policy isn't only there to leave a future payout. It can create a reserve you access while alive, fund the buyout of a partner's share, protect a key person in your business and organize succession without forcing your family to sell what matters.
Some policies build value over time, and that value can be accessed for an opportunity, a purchase or a cash squeeze.
An alternative source of capital for equipment, expansion or hiring, without liquidating your other investments.
Funds so the business keeps running and a partner's family receives what's theirs, without a dispute and without a rushed sale.
Immediate liquidity for your family, equalization among heirs and a supplement to retirement income.
Large American companies have used this same mechanism to get through decisive moments. The logic is the same at the scale of a family or a business.
See Financial StrategyWe look at what you already have, what you want to protect and where you want to go.
I build the structure, compare the carriers and show what each path solves and what it costs.
The strategy is reviewed every year, because your life and your business change.
Business structures and tax matters are developed together with your accountant and your attorney.
Talk About Strategy
I came from Brazil and learned firsthand how the American financial system works. What struck me wasn't only the protection available here, it was finding out how many possibilities most people never hear about. That's what led me to become a licensed agent and a financial strategist: so other families and other businesses wouldn't have to decide in the dark, the way I did.
Tell me where you are right now and I'll put the options together for you. No obligation, no cost, no rush.
No cost, no obligation.
Answer a few quick questions and see an estimate for your term life insurance. It takes less than a minute, with no obligation.
The price of life insurance isn't fixed. It depends on your age, your gender, tobacco use, your health history and how much coverage you choose. Two people can buy the same product and pay very different amounts.
This estimator calculates term life insurance. If your case is about wealth strategy, the path is different and starts with a conversation.
Talk About StrategyLife insurance is a contract between you and a carrier. You pay a monthly premium and, in exchange, the carrier pays a benefit to your beneficiaries if you pass away. In the United States, life insurance can also build cash value, depending on the type of policy you choose.
The cost of life insurance varies a lot with age, gender, tobacco use, health and the coverage you choose. The same policy can cost very little for one person and much more for another. That's why this site gives you an estimate and the official quote comes later, directly from the carrier.
Term life insurance covers a set period, such as 10, 20 or 30 years, costs less and builds no cash value. Permanent life insurance stays with you for life and builds cash value over time. The choice depends on how long you need protection and whether you want protection only or growth as well.
Not necessarily. There are life insurance options available regardless of your documentation status. What changes from one case to another is which carriers accept the application and which documents they ask for during the process. Many people delay the decision believing they aren't eligible, and end up spending years with no protection because of that assumption. I review your situation and tell you clearly which life insurance options are available to you, with no empty promises and no wasted time.
In many cases, yes. Life insurance in the United States doesn't depend on one single type of status. Each carrier has its own rules about who they accept and which documents they require, and because I work with several companies I can look for the one that fits your situation. If you've been told no somewhere else, that doesn't mean the answer is no everywhere. The first step is a conversation to understand your case.
It depends on the policy type and the coverage amount. Some products, such as Final Expense, usually skip the exam. For larger coverage, the carrier may request one. When it's required, I explain exactly what will be reviewed.
IUL stands for Indexed Universal Life. It's permanent life insurance combining protection and cash value growth, tied to a market index with a floor that protects against losses. It usually fits people with some financial stability who are thinking long term.
Final Expense is life insurance with smaller coverage, designed for funeral and final costs. Because the benefit is smaller, the monthly cost is lower too. The application is usually simplified and, in many cases, requires no medical exam.
There is a specific plan for that, Share for Life, covering family funeral expenses and transporting a loved one to another country. It's a complementary plan, taken alongside life insurance rather than instead of it.
It depends on the carrier and whether a medical exam is part of the process. From first contact to an active policy, the path runs through quote, application, exam when required and signature. I follow each step and keep you posted.
Whoever you name as beneficiary on the policy. It can be your spouse, your children, another relative or more than one person, split the way you decide. That choice can be updated over time.
Yes. It's common to combine term life insurance, for the years your family most depends on your income, with a permanent policy or a final expense plan. What matters is that the total makes sense for your budget.
Service is based in Connecticut and also happens remotely for clients across the United States. The conversation can be in person or at a distance, whichever works best for you.
Selling insurance means delivering a policy. Financial strategy means designing how protection, liquidity and wealth planning work together in your case. A well-structured policy can create access to capital, protect a business and organize succession, on top of leaving a death benefit.
In some cases, yes. Permanent policies build cash value that can be accessed through a withdrawal or a loan to buy equipment, fund expansion or get through a tight cash period. That requires time to accumulate, the right policy design and ongoing management.
No. A policy with cash value can supplement your retirement income, but it comes in as one more piece of the picture. Distributions have to be planned, and tax matters are handled together with your accountant.
Write your question and I'll get back to you. It doesn't have to be about a specific product.
Thank you. I got your message and I'll get back to you soon.