Life Insurance Advice in Miami

 

Free consultation: tell us who you want to protect and we compare life insurance options with you, in English or Spanish. Book online or call (305) 316-1857.

 

Why life insurance?

Life insurance protects your family's income, home and future if something happens to you. We explain the options in plain language so you choose what fits your budget and goals.

 

Types of coverage

• Term life: affordable coverage for a set number of years

• Whole life: lifelong coverage with cash value

• Indexed Universal Life (IUL): lifelong coverage with cash value linked to a market index

• Final expense: coverage for funeral and end-of-life costs

• Retirement and financial legacy planning

 

Who is it for?

• Parents who want to protect their children's future

• Homeowners who want their mortgage covered

• Business owners planning for partners or key employees

• Adults who want to cover final expenses and leave a legacy

 

How it works

1. Tell us your income, debts, who depends on you and your goals.

2. We compare policies and estimate the coverage amount you need.

3. You choose; we help you apply.

4. We review your policy with you as your life changes.

 

What to bring

• Photo ID

• Social Security number, if you have one

• Approximate income, debts and mortgage balance

• Basic health information and current medications

• Names and dates of birth of your beneficiaries

• Information about any current life insurance

 

Frequently asked questions

How much life insurance do I need? It depends on your income, debts and who depends on you. We help you calculate an amount that fits your budget.

What is the difference between term and IUL? Term covers you for a set period at a lower cost. IUL covers you for life and builds cash value linked to a market index, at a higher cost.

Do I need a medical exam? Not always. Some policies only ask health questions; others require a short exam. We tell you which options fit your case.

Can I get coverage without a Social Security number? Some insurers accept an ITIN or passport. Ask us about the options available for your situation.

Do you also help with health insurance? Yes. See our Health Insurance page for Obamacare, Medicare and group plans.

 

About Airen Suárez

Airen Suárez is the founder of Airen Consulting in Miami. For more than 15 years she has helped over 1,500 families and small business owners file their taxes, keep their books in order and start their companies, in English and Spanish. Office: 1405 SW 107th Ave, Suite 301-I, Miami, FL 33174. Monday to Friday, 9:00 a.m. to 5:00 p.m.

Last reviewed: October 2026