Our Mission
At Valencia Financial Solutions Insurance, our mission is to make insurance simple, accessible, and personalized for everyone. We are committed to providing a diverse range of insurance products that protect what matters most—your home, health, business, and loved ones. With a focus on integrity, innovation, and customer-first service, we aim to offer tailored solutions that give our clients the confidence and security they deserve. Whether you’re seeking guidance or coverage, we are here to help you navigate life’s uncertainties with ease and trust.
Your Services
Customizing coverage to fully protect your best interests.
Indexed Universal Life
An Indexed Universal Life (IUL) insurance policy is a type of permanent life insurance that combines a death benefit with a cash value component, which grows based on the performance of a stock market index (such as Blackrock and Morgan Stanley). Unlike traditional whole life insurance, an IUL allows the policyholder to allocate their cash value to different index-based accounts, offering the potential for higher growth. However, it may come with a cap on returns depending on the index selected and also has a floor to protect against market losses. This flexible policy allows for adjusting premiums and death benefits over time, making it a popular option for individuals seeking both life insurance protection and the potential for wealth accumulation.
Whole Life Insurance
A type of permanent life insurance that provides coverage for the insured's entire lifetime, as long as premiums are paid. It combines a death benefit with a cash value component, which grows over time on a tax-deferred basis. Premiums remain fixed throughout the policyholder's life, and the death benefit is guaranteed. Whole life insurance can be a long-term financial planning tool, providing both protection for loved ones and a source of savings or loan collateral.
Term Life Insurance
A straightforward, temporary life insurance policy that provides coverage for a specified period, typically 10, 20, or 30 years. If the policyholder passes away during the term, a death benefit is paid to beneficiaries. If the policy expires without a claim, no payout is made. Term life is often more affordable than permanent life insurance and is ideal for individuals seeking financial protection for a set period, such as while raising children or paying off a mortgage. It offers no cash value accumulation, only pure life coverage for the duration of the term.
Final Expense Insurance
A type of life insurance designed to cover the costs associated with a person's funeral, burial, and other end-of-life expenses. Typically offering smaller coverage amounts (ranging from $2,000 to $50,000), it aims to ease the financial burden on family members and loved ones during a difficult time. This type of policy is often easier to qualify for, with no medical exams required and simple application processes.
Mortgage Protection
Mortgage protection insurance provides peace of mind by ensuring that your mortgage payments are covered in the event of unforeseen circumstances, such as job loss, disability, or death. This type of insurance helps protect your home and family by covering the remaining balance or monthly payments on your mortgage, so you don’t have to worry about losing your home during difficult times. With mortgage protection, you can secure your family’s future, knowing that they won’t face financial strain due to unexpected life events.
Indexed Annuities
An indexed annuity is a type of fixed annuity that offers a return based on the performance of a specific market index, such as the S&P 500. While they provide the security of principal protection (meaning you won’t lose money if the market performs poorly), they also offer the potential for higher returns than a traditional fixed annuity. The return is typically capped or subject to participation rates, so while it can be higher than a fixed interest rate, it's not directly tied to market performance. Indexed annuities are often used for retirement planning, providing both growth potential and downside protection.
Identity Theft Protection & Restoration
Identity theft protection and restoration services help safeguard your personal information from misuse and quickly address any damage if your identity is compromised. By monitoring your credit, bank accounts, and online presence, these services can alert you to suspicious activity before it escalates. In the event of identity theft, restoration services work to resolve the issue, from disputing fraudulent charges to restoring your credit, removing false information and restoring your identity. With comprehensive protection and expert support, you can have peace of mind knowing that your identity is being actively monitored and restored if needed.
Legal Services
Sometimes, we need to consult with a legal professional who specializes in a specific area of law. However, the cost of speaking to an attorney can be prohibitive, leading many to either ignore the issue or attempt to resolve it on their own. Through our company partner we are disrupting the traditional legal system—one that is often expensive, complex, and time-consuming. Through technology and our network of partner law firms, we make legal access simple, affordable, and easy.
Join Our Team
Are you exploring new business opportunities, considering a career change, or looking to earn extra income? Our agency is rapidly expanding, and we're seeking motivated individuals to join our team. Simply fill out the contact form, and we'll get in touch with you soon.
Testimonials
Mary Sullivan
"Valencia Financial Solutions truly took the time to inform and educate me about life insurance. I had no idea that life insurance could be used while you're alive. Thank you, Jorge, for opening my eyes to all the benefits and possibilities!"
Lisa McAllister
"I was impressed with the level of knowledge they shared with us. I now have peace of mind knowing that our family is well taken care of, no matter what happens. It feels great to know we have the right coverage in place for any situation."
Joshua Mendez
"I was initially skeptical about life insurance, but after speaking with Jorge, I now understand how crucial it is to have coverage in place—even if I don’t have kids or a spouse. I’ve realized that life insurance can play a key role in my retirement planning, as well as provide financial protection in case of illness. Who knew I could accomplish so much with just a life policy?"
Get in touch by sending us a message and our exper team will be in contact!
Frequently Asked Questions
Common Questions Answered for your convenience.
What types of insurance products do you specialize in?
We specialize in a wide range of insurance solutions to meet your unique needs, including Term Life Insurance, Final Expense Insurance, Mortgage Protection Insurance, Whole Life Insurance, and Indexed Universal Life (IUL) Insurance. Whether you're looking for affordable, temporary coverage, planning for end-of-life expenses, protecting your home, or securing lifelong financial protection with flexible growth options, we have the right insurance product for you and your family’s future.
Do you offer customizable insurance packages?
Absolutely! We understand that everyone’s needs are unique, which is why we offer customizable insurance packages tailored to fit your specific goals and circumstances. Whether you're looking to combine different types of coverage, adjust benefit amounts, or choose flexible premium options, we’ll work with you to create a personalized plan that provides the right protection and financial security for you and your loved ones.
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Am I able to insure ,y children too?
Am I able to insure my children too? Yes, absolutely! We offer life insurance options for children, including Indexed Universal Life (IUL) policies that can provide long-term coverage and build cash value over time. Insuring your children not only provides financial security for their future, but it also locks in low premiums while they are young and healthy. An IUL is a great way to ensure they have coverage for life, while offering the potential for cash value growth that can be accessed later in life.
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Do you offer other types of services or products?
Yes, we do! In addition to our wide range of insurance options, we also offer a variety of essential services to help protect your financial and legal well-being. These include: Will and Testament Preparation, Living Trusts, Power of Attorney, and Healthcare Power of Attorney, Legal Advice (across any area of law), Identity Theft Protection, Small Business Legal Protection, and Employee Legal Services Benefits. Our goal is to provide comprehensive support and peace of mind for you and your family, helping you plan for the future with confidence.
Are you able to review my policies even if I bought them somewhere else?
Absolutely! We’re happy to review any policies you’ve purchased, no matter where they were bought. Our team will take the time to assess your coverage, help you understand your options, and ensure that your policies align with your current needs and goals. Whether you're looking for better coverage, lower premiums, or just peace of mind, we're here to help!
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Do your policies require a medical exam?
It depends on the age and the type of policy, but for most of our carriers, medical exams are not required. Many of our policies, especially for younger individuals or those in good health, offer streamlined underwriting processes that do not require a medical exam. For others, we may have options where a quick health questionnaire is all that's needed. We can help guide you to the right policy with minimal hassle!
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