Benefits and protection for every stage
We help businesses, business owners, and families protect income, care for their people, and prepare for the future.
20+ More than 20 years of combined experience in banking, insurance, and financial planning.
Starting point
What do you want to protect?
Start by assessing your situation. We’ll help you identify the right solution.
For owners & teams
My Business
Employee benefits, business continuity, and
strategies for owners.
strategies for owners.
For individuals & families
My Family & Future
Health coverage, income protection, and retirement strategies.
Protect Your Team, Strengthen What You Built
Not every business needs the same benefit. The solution depends on the structure, the budget, the team, and the risk the owner is looking to reduce.
ICHRA
A health benefits alternative with a company-defined budget and individual plan choice for employees
You Set
the Budget
Full Market Plan Choice
100% Tax-Deductible
Your Health, Your Income, and Your Future Deserve a Plan
The right product starts with a simple question: what would need to keep working if life stops cooperating tomorrow?
Our Approach — 4 Steps
The Right Strategy Starts With You — Not a Product
We handle the complexity so you can focus on your business.
Discovery
We learn your goals, your workforce or financial picture, and what's already in place — before pitching anything.
Diagnose
We assess your risks and priorities, and identify what genuinely fits — ICHRA, life insurance, retirement, or another solution.
Design
We build a tailored strategy — contributions, plan structure, coverage — and walk you through every decision.
Support
Once implemented, we stay involved: compliance monitored, accounts tracked, ongoing reporting.
See What Our Clients Are Saving
Real impact across health, life, retirement, and business benefits — for employers and families alike.
Success Stories
Industry-Verified Data
Real results from real clients we're proud to serve.
*Illustrative scenarios by sector. Restaurant figure: Deft Research 2024. Construction figure: HRA Council 2024. Retail figure: HRA Council Annual Report 2024. Individual results vary significantly. Not a quote or guarantee of savings.
Why CuraeSinsurance?
Most benefits advisors learned it from textbooks. We learned it by living it, over 20 years across private banking, investment banking, and international insurance on two continents.
"Meet the Team Behind Your Coverage"
Licensed, experienced, and on your side
“Over 20 years across private banking, investment banking, and international insurance. Licensed in Florida,
hands-on with every client, every step of the way.”
Questions Business Owners Ask Us Every Day
We've Got Answers
Business Questions
Not every business needs the same package. We evaluate employee count, budget, and goals to identify benefits that help attract and retain talent without creating an obligation that's hard to sustain.
It depends on the size of your team, budget, and level of control the business wants. An ICHRA lets the employer set a contribution while employees purchase individual coverage; a group plan concentrates coverage under one shared structure. The comparison should consider cost, eligibility, and administration — not just the premium.
A continuity strategy can combine insurance, legal agreements, and funding mechanisms to secure resources in the absence of an essential person. Insurance can provide liquidity, but it doesn't replace a buy-sell agreement or automatically transfer ownership.
Questions for Individuals & Families
The right option isn't determined by the monthly premium alone. We also need to review doctors and medications, network, deductible, copays, and possible annual out-of-pocket maximum to find coverage that can actually be used and sustained.
It depends on who depends on your income, the debts and obligations that would remain, and how long they'd need protection. Once that need is measured, you can compare term coverage with permanent alternatives, weighing cost, goals, and policy terms.
These are related needs, but they don't necessarily have to be solved with a single product. First you determine how much your family needs to be protected, then you evaluate alternatives to build or convert resources into future income, based on your timeline, budget, and risk tolerance.
Let’s build the right plan for you.
Schedule your free consultation and find the best solutions for your business, your family, and your future.
Important Disclaimer
Life insurance, annuity, and retirement plan products are subject to underwriting approval, state availability, and applicable regulations. Indexed products are not securities and are not registered with the SEC. They are not FDIC insured. This content does not constitute legal, tax, or investment advice. Consult a qualified professional before making any financial decision.
Important Notice
CuraeSinsurance LLC is not affiliated with any government agency, including CMS, Medicare, or the ACA Marketplace. This site is insurance advertising by a licensed Florida agency. License #L128116 · NPN 21343888.
"Corporate Benefits Consulting, Orlando, Florida. Helping employers of every size replace complexity with clarity, one plan at a time."
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+1 786 322 8327
Connects you with a licensed agent
rballesteros@curaesinsurance.com
efreitez@curaesinsurance.com
