Life & Health Insurance • South Florida

Coverage that fits your life — with a guide you can actually reach.

20 years helping families choose smart Life & Health plans. No pressure. No jargon. Just clear options and help when you need it.

  • Life Insurance: Term • Whole • Final Expense
  • Health Plans: Marketplace • Medicare • Supplemental
  • Family & Small Business solutions
Respectable gentleman smiling
Family home
Happy multigenerational family
Trusted across Miami-Dade, Broward & Palm Beach

Independent, bilingual service • Annual plan check-ups included

20+
Years serving FL
A+
Top carriers
1000s
Families helped
Get a free, no-pressure quote
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What I can help you with

Carrier-agnostic guidance so you get what’s smart, not just what’s sold.

Life Insurance

Term for value, Whole for lifelong security, and Final Expense to protect loved ones from unexpected costs.

  • Custom coverage amounts
  • Living benefits options
  • Fast, no-nonsense quotes
Health Plans

Marketplace plans, Medicare guidance, and supplemental policies to cap out-of-pocket surprises.

  • Doctor & Rx review
  • Deductible strategy
  • Tax credit assistance
Family & Small Business

From newborns to payroll, get coverage that scales with your life and team—without the migraine.

  • Family bundles
  • HSA/HRA friendly
  • Group options

Easy, transparent, no pressure

1
Talk for 10 minutes

You share what matters—family, budget, doctors, prescriptions.

2
Review smart options

I compare top carriers and explain the trade-offs in plain English (o Español).

3
Choose & relax

I handle the paperwork and stay with you after you enroll.

Clients say it better

“Fernando made Medicare make sense. We saved money and kept our doctors.”

— Marta & José, Pembroke Pines

“He listened first, then showed options. Zero pressure. We felt taken care of.”

— The Alvarez Family, Kendall

“I finally understood my coverage. Fernando follows up—rare these days.”

— Daniel R., Boca Raton

Frequently asked

No. I’m compensated by the carriers you choose. My job is to help you choose wisely.

Sí. Servicio bilingüe en todo el Sur de la Florida.

I’m independent and work with multiple A-rated carriers to match your needs and budget.

Let’s get you covered

Tell me what you need. I’ll send options the same day (usually within a couple hours).

  • Bilingual service
  • Annual reviews included
  • Claims support
Request a callback
No spam. No pressure.
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