If something happens to you tomorrow, will your family be all right?

The cost depends on several things: your age, the type of coverage, how much coverage you choose, your health history and the company. Every case is different, which is why we don't publish prices on the site: it would be a simplification that almost never matches anyone's actual situation. In your free 30-minute consultation I look at your specific circumstances, compare options across the licensed companies, and show you realistic numbers for your case. No obligation.

I hold active contracts with seven: Triple-S Vida, Lincoln Financial, American National, Universal Life, MassMutual, American Amicable and Pan-American Life. They don't all do the same thing: I use American National for annuities, and the others for life and health coverage. As an Authorized Representative I'm not tied to any of them, so I choose whichever suits your case, with no commercial bias.

It depends on the product and the amount of coverage. Plenty of coverage today is approved with no medical exam, on a health questionnaire alone. Final expense policies, for instance, are nearly all exam-free. For large amounts of universal life, some companies do ask for one. I'll make it clear for your specific case during the appointment.

Between 3 and 21 business days after the application is approved, depending on the company and the type of policy. Final expense products usually go into force within 48 to 72 hours. Universal life can take up to 3 weeks if there's a medical exam. I give you the exact timeline in the proposal.

Yes. In Puerto Rico the law gives you a grace period called a 'free look', 10 to 20 days from when you receive the policy, during which you can cancel for a full refund without explaining yourself. After that period you can still cancel whenever you want, though the refund depends on the type of policy.

Completely. I advise you at no cost and with no obligation to buy. I only earn a commission when you decide to put coverage in place, and that commission is paid by the insurance company, not by you. If you decide not to go ahead, you owe me nothing at all.

Someone tied to one company can only offer you that company's products. I hold contracts with seven, so I compare across them and choose whichever suits your case. It's the difference between walking into a single-brand dealership and being able to compare several before you decide.

Yes. The office is in Hato Rey, San Juan (140 Marginal Ave. F. D. Roosevelt, Suite 203), but I serve clients across the whole island by phone, WhatsApp and video call. I also visit in person when the case calls for it: today I work with families in San Juan, Caguas, Carolina, Arecibo, Humacao, Ponce, Bayamón, Mayagüez, Cayey, Cidra and Aguada, among other towns. The first appointment can be entirely remote.