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273 Av. Juan Ponce de León, Suite 1400, San Juan, PR 00918

(787) 482-3773
josellera@financialguide.com

Clear Insurance and Retirement Education in Puerto Rico

Understand your coverage, costs, conditions, and retirement-related options before making a decision.

I provide straightforward educational guidance on life insurance, health-related coverage, disability income insurance, and annuities for individuals and families in Puerto Rico.

Licenses: Life, Disability and Health in Puerto Rico

Professional Designations: CAS®, CIS™, FSCP®

For full-time workers, federal employees, and young families in Puerto Rico

Clear options without fine print

Who do I help?                         

Do any of these situations sound familiar? I serve people throughout Puerto Rico. The initial call is free.

Government Employees, Military Personnel, and Veterans in Puerto Rico

  • Understand your retirement-related options

  • Protect your income and beneficiaries

I NEED GUIDANCE

Professionals Ages 20 to 45 With Full-Time Employment

  • Review protection needs at your current stage of life

  • Explore coverage for your family

REVIEW MY OPTIONS

Families Looking for Stability and Order

  • Review coverage needs for your family

  • Coverage options designed to support your family

VIEW OPTIONS

People Who Have Put Off Retirement Decisions

  • Clear recommendations with defined next steps

  • Clear guidance based on your questions and circumstances

REVIEW NEXT STEPS

My Services

Clear Insurance and Retirement Guidance for You and Your Family in Puerto Rico

I explain costs and conditions before you sign.


Life Insurance in Puerto Rico

Coverage for your family and an organized approach to beneficiaries, with a policy suited to your stage of life.

  • Term life, whole life, and indexed universal life (IUL)
  • Coverage amount and term based on your needs, circumstances, and budget
  • Periodic review of costs, coverage, and beneficiaries when requested
Contact Me

Cancer, Accident, and Hospitalization Coverage

Policies designed to provide financial support for certain medical or related expenses when the illness, injury, or hospitalization is covered under the policy.

  • Supplements deductibles and therapies.
  • Unrestricted payments for whatever you need most.
  • Transparent amounts and premiums
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Health-Related Coverage

Options designed to help with certain medical expenses and support your financial well-being in Puerto Rico.

  • Coverage options based on your stage of life and budget

  • Review of existing coverage and applicable provider networks

  • Support for understanding copayments and deductibles

Contact Me

Disability Income Insurance

Partial income replacement if an injury or illness prevents you from working. 

  • Understand the waiting period and available benefit amounts
  • Coordination with other benefits
  • Benefits that may help with fixed expenses and financial obligations
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Risk Management

Review insurance coverage that may help address certain financial risks and unexpected events. 

  • Review of policy types and coverage amounts
  • Insurance products with benefits and features subject to the terms of the applicable policy
  • Identification of potential coverage gaps or duplicated coverage
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Annuities and IRAs

Options for long-term savings and retirement-related goals. 

  • Review of annuity features, costs, limitations, and access to funds
  • Consideration of time frame, needs, and applicable policy terms
  • Clear explanation of surrender periods and other conditions
Contact Me

I Understand the Problems You're Facing

These situations are common. I can help you review them with greater clarity.

Unexpected expenses without clear financial support

Questions about insurance coverage and retirement-related options

Questions about annuity features, access to funds, and payment options

Coverage that no longer fits your reality

Outdated beneficiaries and complicated procedures

Many options but little clarity

WHO AM I?
Insurance and Retirement Educator in Puerto Rico

I help individuals and families in Puerto Rico start saving early. I provide educational guidance on insurance and retirement options to protect what they've built throughout their working lives.

My approach is based on clear insurance education and practical guidance. I explain the options in simple language, showing you the costs before you make any decisions and helping you understand what you're signing and why. There's no pressure or pushy sales tactics here. Just analysis, clarity, and support.

I work with federal employees, military personnel, veterans, entrepreneurs, and working families from different industries who want to avoid common mistakes, such as insufficient coverage, outdated beneficiary information, or decisions made without enough information.

My goal is simple: to help make insurance and general retirement-related options clearer and easier to understand.

How I Work With You and Your Family

3 Simple Steps

1. INITIAL REVIEW
Understand Your Starting Point

We begin with a virtual or in-person conversation. The purpose is to understand your questions, current coverage, circumstances, and what may need attention before you decide how to proceed.

2. REVIEW YOUR OPTIONS
Clear Information, One Step at a Time

I explain available insurance options, costs, conditions, limitations, and the steps involved so you can evaluate the information at a pace that fits your situation.

3. APPLY AND REVIEW
Application and Coverage Review

You complete the application. I guide you through the insurance application process and remain available for future coverage reviews when requested.

REVIEW YOUR NEXT STEPS

Frequently Asked Questions

1. Is There a Charge for the Initial Conversation?

No. It is a brief conversation to understand your questions, identify the type of information you may need, and discuss a possible next step.

2. Term Life, Whole Life, or Indexed Universal Life Insurance?

The differences depend on the type of coverage, policy terms, costs, conditions, limitations, and how long the coverage is intended to remain in effect.

A term life insurance policy generally provides coverage for a specified period. Whole life and indexed universal life insurance have different features, costs, conditions, and limitations.

I can help you review the general differences and understand the questions to consider before applying.

3. Fixed or Indexed Annuity?

Fixed and indexed annuities have different terms, features, costs, limitations, and risks.

Which option may be appropriate depends on your circumstances, needs, time frame, and the terms of the applicable insurance contract.

4. Are Virtual and In-Person Meetings Available?

Yes. Virtual and in-person meetings are available for people throughout Puerto Rico.

5. Can You Review My Current Policies?

Yes. I can help you review your current coverage, costs, beneficiaries, conditions, and possible areas that may need clarification.

When appropriate, we may also discuss other available insurance options. Existing coverage should not be replaced unless there is a clear reason to consider a change.

6. What Costs Should I Expect?

Costs depend on the insurance product, issuing company, coverage selected, eligibility requirements, and other individual factors.

Applicable premiums, charges, time periods, limitations, and conditions should be reviewed before signing or completing an application.

MY RESOURCES
Helpful Readings to Keep You Informed

I share approved educational resources that help explain insurance, coverage, and general retirement-related topics.

Making Sense Of A Home Warranty

Making Sense Of A Home Warranty

Understanding the value of a home warranty.
Learn More
Disability and Your Finances

Disability and Your Finances

In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.
Learn More
Test Your Life Insurance Knowledge

Test Your Life Insurance Knowledge

How much do you know about one of the most important tools you have to help protect your and your family’s financial future?
Learn More

Schedule a Conversation and Better Understand Your Options

Receive a call, a clear explanation, and practical next steps.

SCHEDULE A CONVERSATION