(352) 890-3703 💬 WhatsApp 📍 Florida · Texas · Puerto Rico
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Our Insurance Services

Free expert consultation on 8 products to protect your health and financial future. Bilingual, licensed in Florida, Texas and Puerto Rico.

ACA / Obamacare
Medicare Advantage
Life Insurance
Index Plans (IUL)
Final Expense
Dental & Vision
Accident & Disability
UnitedHealthOne
Our Services

Plans for every stage of your life

We are independent — we compare multiple carriers to find you the best option at the best price.

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Florida & Texas

ACA / Obamacare

Government-subsidized health insurance for individuals and families.

ACA (Affordable Care Act) plans give you access to comprehensive medical coverage with government financial assistance. Depending on your income, you may qualify for subsidies that significantly reduce your monthly premium — sometimes to $0/month.

  • Primary doctor visits
  • Specialist coverage
  • Prescriptions included
  • Hospitalization covered
  • Subsidies available
  • Covers the whole family
  • Mental health included
  • $0 preventive care
Who is it for?

Individuals and families in Florida and Texas without employer coverage, self-employed workers, and those who want government subsidies.

Check if I qualify →
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FL · TX · Puerto Rico

Medicare Advantage

Complete coverage for people 65+ or with qualifying disability.

Medicare Advantage (Part C) offers all the benefits of Original Medicare plus additional coverage such as dental, vision and hearing. In many cases with a $0/month premium. We guide you to choose the best plan before your enrollment deadline expires.

  • Medicare Advantage (Part C)
  • Part D — medications
  • Dental & vision included
  • Hearing coverage
  • Plans from $0/month
  • OTC extra benefits
  • Medical transportation
  • No consultation cost
Who is it for?

People turning 65, retirees, or those under 65 with certain qualifying disabilities. Available in FL, TX and Puerto Rico.

Medicare Consultation →
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FL · TX · Puerto Rico

Life Insurance

Protect your family's future if you're no longer there.

Life insurance guarantees your family will have financial stability if something happens to you. From term life plans (more affordable) to whole life with accumulated cash value. Plans starting from $20/month with immediate coverage.

  • Term Life
  • Whole Life
  • From $20/month
  • Immediate coverage
  • Tax-free for beneficiary
  • No exam in some cases
  • Cash value (Whole Life)
  • Full family protection
Who is it for?

Anyone with dependents, debts, or who wants to leave a legacy. Ideal for young families and people aged 25-55.

See Life Plans →
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FL · TX · Puerto Rico

Index Plans (IUL)

Grow your money with the market, with no risk of loss.

Indexed Universal Life (IUL) plans are a financial growth tool linked to the S&P 500. Your money grows when the market goes up, but never loses when it goes down. Ideal for retirement with unique tax advantages.

  • Linked to the S&P 500
  • Growth without losses
  • Tax-free retirement
  • Accelerated accumulation
  • Life protection included
  • Available liquidity
  • No contribution limit
  • Ideal for retirement
Who is it for?

People who want to grow their money for retirement, with life protection and without the risk of loss in down markets.

Learn about IUL →
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FL · TX · Puerto Rico

Final Expense

Cover funeral costs without burdening your family.

Final expense insurance is a life coverage designed to cover the cost of a funeral, outstanding debts, and other final expenses. No medical exam, near-guaranteed approval, and fixed premiums for life.

  • No medical exam
  • Guaranteed approval
  • Fixed premiums for life
  • Fast payout to beneficiary
  • Covers funeral expenses
  • Available ages 50-85
  • No cancellation charges
  • Simple application
Who is it for?

Older adults who want to make sure they don't leave debts to their family members and cover funeral expenses without medical complications.

Final Expense Consultation →
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FL · TX · Puerto Rico

Dental & Vision

Take care of your smile and eyesight with affordable plans.

Dental and vision plans can be contracted separately or as a complement to your health insurance. We cover everything from basic cleanings to orthodontics, and from eye exams to prescription lenses.

  • Cleanings & exams
  • X-rays covered
  • Extractions
  • Orthodontics available
  • Eye exams
  • Prescription lenses
  • Contact lenses
  • Laser surgery (some plans)
Who is it for?

Anyone who needs dental or vision coverage, including families and seniors whose Medicare does not include these benefits.

See Dental & Vision Plans →
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FL · TX · Puerto Rico

Accident & Disability

Financial protection if you suffer an unexpected accident.

This supplemental insurance pays you cash directly if you suffer an accident or are temporarily unable to work. It covers what your health insurance doesn't pay, such as lost income.

  • Direct cash payment
  • Covers hospitalization
  • Temporary disability
  • Total disability
  • Complements health plan
  • Transportation benefit
  • Fractures & lacerations
  • Available year-round
Who is it for?

Self-employed workers, contractors, physically active people, or anyone who wants to protect their income in the event of an accident.

Protect myself from accidents →
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Florida & Texas

UnitedHealthOne

Short-term and supplemental insurance from UnitedHealthcare.

UnitedHealthOne offers Short Term Medical health insurance plans available year-round, outside the ACA open enrollment period. With access to the largest network of doctors in the U.S.

  • Short Term Medical
  • Available year-round
  • Network of 1.3M doctors
  • A+ A.M. Best rating
  • No waiting period
  • Fast coverage activation
  • Flexible plans
  • UnitedHealthcare backed
Who is it for?

People who lost coverage outside open enrollment, newly employed waiting for benefits, or those seeking transitional coverage.

UnitedHealthOne Consultation →
Why choose us?

An agency that works
for you, not the insurer

We are independent. We compare multiple carriers to find the best plan for YOU — no pressure, in your language.

1

100% free consultation

We charge you nothing. Our compensation comes from the carriers, not your pocket.

2

Bilingual — Spanish & English

We communicate in your language. No barriers, no confusion.

3

AI-powered technology

Automated WhatsApp reminder system. You'll never miss your renewal.

4

Licensed in 3 states

Florida, Texas and Puerto Rico. A dedicated advisor for every client.

500+
Families advised
$0
Consultation cost
8
Products available
3+
Licensed states
Frequently Asked Questions

We answer your questions

The most common answers about our services.

How much does your consultation cost?
Our consultation is completely free. We won't charge you a single cent. Our compensation comes directly from the insurance carriers, not from your pocket. You pay exactly the same as if you went alone — but with an expert by your side.
How long does it take for my plan to activate?
In most cases, your plan can be activated the same day or the next day. ACA plans have effective dates depending on when you enroll. Medicare has specific periods. We explain everything in your free consultation so you don't miss any deadline.
Can I change my plan if I don't like it?
Yes. During the Open Enrollment Period you can change your ACA plan. For Medicare, you have annual change periods. For life insurance and IUL, conditions depend on the contract. We advise you to make the best decision from the start.
Do you serve clients in Spanish?
Absolutely. We are completely bilingual — Spanish and English. All our communication, explanatory documentation and follow-up can be done in the language of your choice. You don't need to know English to work with us.
Are you available in Puerto Rico?
Yes. In Puerto Rico we offer Medicare Advantage, Life Insurance and Index Plans (IUL). ACA plans do not apply in Puerto Rico since the island has its own health system. We explain the available options based on your location.
What information do you need to get started?
We only need your name, phone number, state where you live, and what type of insurance you are interested in. With that we schedule your free consultation and start looking for options for you. You don't need to bring documents for the first call.

Ready to find your
ideal plan?

Tell us your situation. In minutes we find the best option for your family.

🗓 Schedule Free Consultation 💬 (352) 890-3703
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