Protect your family and plan your retirement, with clarity.
I am Dallanis Avila, MBA, an insurance agent. I explain life insurance, IUL and annuities in English or Spanish, including their costs and limits, so you can decide with information and without pressure.
Dallanis Avila, MBAInsurance agent · English and Spanish
Tell me what you need
I will contact you by phone or text, whichever you prefer. It is free and there is no obligation.
- Service in English and Spanish
- Free 20-minute consultation
- I explain costs and limits, not just benefits
- No pressure to buy
Three ways to protect your future
Each product solves something different. In the consultation we look at which one, if any, fits your situation.
Life insurance
A benefit for the people who depend on you if you are gone. It can be term or permanent.
Learn moreIUL
Permanent life insurance with cash value whose interest credit is tied to an index, with a cap, a floor and costs worth understanding.
Learn moreAnnuities & 401(k)
Contracts with an insurance company to turn retirement savings into income, and what to consider if you have a 401(k) from a previous job.
Learn moreThree steps, at your pace
The consultation is free and does not obligate you to buy anything.
Tell me your situation
Leave your details and I will contact you. I listen first.
We review your options
I explain each product with its benefits, costs and limits, including the option of buying nothing.
You decide
You keep the information to think it over calmly. No pressure.
Do you have a 401(k) from a previous job?
Before moving it, learn your options, the rules and taxes that may apply, and the questions to ask any advisor. The guide is written in Spanish.
- The 4 options you normally have
- 5 things to review today
- 5 questions for any advisor
Dallanis Avila, MBA
I am an insurance agent with an MBA. I serve you in English or Spanish and explain each product with its benefits, costs and limits, with the numbers on the table.
I do not charge for the consultation. When a person buys a product, the insurance company pays me a commission. If something does not fit your situation, we talk about it honestly.
Frequently asked questions
Does the consultation cost anything?
No. The consultation lasts about 20 minutes, it is free, and it does not obligate you to buy anything.
How are you paid?
I am an insurance agent. When a person buys a product, the insurance company pays me compensation. I do not charge for the consultation. Compensation can vary by product, and you can ask me about it at any time.
What is the difference between life insurance and an IUL?
Term life insurance covers a number of years and does not build cash value. An IUL is permanent and builds cash value whose interest credit is tied to an index, with a cap, a floor and costs. Both are life insurance, not investments.
Is an annuity the same as an investment?
No. A fixed or indexed annuity is a contract with an insurance company, not an investment account in the market. Its guarantees are defined by the contract and depend on the insurer's claims-paying ability, and many have surrender charges.
Do you serve clients in Spanish?
Yes. I serve you in English or Spanish, whichever you prefer.
Which states do you serve?
You can leave your details from any state. Products and their availability vary by state; we go over that together in the consultation.
Start with a conversation.
Leave your details and I will contact you for your free 20-minute consultation.