Planning for retirement involves many moving parts. We help you navigate healthcare coverage and financial considerations with clarity and confidence.

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Medicare

Medicare Advantage, Supplement (Medigap), Part D prescription drug plans, and Turning 65 guidance.

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Health Insurance

ACA marketplace plans with subsidies and Non-ACA private alternatives — find the right fit for your needs and budget.

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Final Expense

Simplified whole life and guaranteed issue policies to cover funeral and end-of-life expenses.

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Life Insurance

Term life, whole life, indexed universal life (IUL), infinite banking, and mortgage protection.

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Annuities

Fixed and indexed annuities for guaranteed retirement income and financial security.

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Long-Term Care

Protect your savings from the high cost of in-home care, assisted living, and nursing home care.

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Supplemental Health

Dental, vision, hospital indemnity, cancer, critical illness, and disability coverage.

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Meet Ricardo & Yenitzel

A dynamic duo with 30+ years of combined experience in insurance. Together, they've helped over 1,100 families navigate the complexities of Medicare, Health Insurance, and Life Insurance.

With their expertise and personalized approach, they empower clients to make informed decisions about their healthcare and financial futures.

Ricardo Lourenço and Yenitzel Figueroa build lasting relationships with their clients, providing tailored solutions and unwavering support every step of the way.

Meet the Team →

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Personalized

Tailored solutions for your needs

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Top Carriers

Compare plans from major carriers

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Trusted Support

Long-term client relationships

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Florida Based