Last updated: August 13, 2026

Welcome to curaesinsurance.com, operated by Curaes Insurance LLC (“we,” “us,” or “our”). By accessing or using this website, you agree to these Terms of Service.

1. ABOUT US

Curaes Insurance LLC is a licensed insurance agency (License #L128116 · NPN 21343888) based in Orlando, Florida, offering corporate benefits consulting including ICHRA, life insurance, retirement plans, and related services.

2. ELIGIBILITY

By using this website, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms of Service.

3. USE OF THIS WEBSITE

This website is for informational purposes only. Content on this site does not constitute a formal offer of coverage, a binding quote, or a guarantee of savings. All figures, statistics, and case studies presented are illustrative and based on industry data; individual results vary by employer size, location, and plan design.

4. NOT LEGAL, TAX, OR FINANCIAL ADVICE

Nothing on this website constitutes legal, tax, or financial advice. Topics such as Buy-Sell Agreements, Business Exit Planning, and Retirement Plans require review by a qualified attorney, tax advisor, or financial professional before implementation. Indexed annuity and Indexed Universal Life (IUL) products are not securities and are not registered with the SEC. They are not FDIC insured. Guarantees are backed solely by the financial strength of the issuing insurance company. We encourage you to consult the appropriate licensed professional for guidance specific to your situation.

5. LICENSED PROFESSIONALS

Our team members are licensed insurance professionals in the State of Florida:
– Richard Ballesteros, CEO/Managing Partner — FL License #W619091 · NPN 19375421
– Eliu Freitez, Co-Founder & Financial Benefits Advisor — FL License #W830490 · NPN [confirmar número correcto]

6. MEDICARE DISCLOSURE

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE to get information on all of your options.

7. LIMITATION OF LIABILITY

Curaes Insurance LLC is not liable for any indirect, incidental, or consequential damages arising from the use of this website or reliance on its content.

8. INDEMNIFICATION

You agree to indemnify and hold harmless Curaes Insurance LLC, its officers, employees, and affiliates from any claims, damages, or expenses arising from your misuse of this website.

9. GOVERNING LAW

These Terms of Service are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising from the use of this website shall be resolved in the state or federal courts located in Florida.

10. INTELLECTUAL PROPERTY

All content on this website, including text, graphics, and logos, is the property of Curaes Insurance LLC and may not be reproduced without permission.

11. CHANGES TO THESE TERMS

We may update these Terms of Service from time to time. Continued use of the website after changes constitutes acceptance of the updated terms.

12. CONTACT US

Curaes Insurance LLC
License #L128116 · NPN 21343888
Phone: +1 786 322 8327
Email: rballesteros@curaesinsurance.com / efreitez@curaesinsurance.com