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Our Services

We are a multi-line agency offering competitive Commercial and Personal coverage through top rated insurance companies. Our agency is staffed by proven licensed professionals committed to providing our clients with highly personalized service.

Type of Health Insurances

Individual Health Insurance
Group Health Insurance
Supplemental medical plans
Dental Insurance
Vision Insurance

In the United States, the health system is private, which is why insurance is required to cover people for them to face expensive hospital debts. YR Insurance works with the Health Insurance Market, an entity that provides the low-income population with a subsidy to help them pay monthly premiums and make copays affordable to their pocket. All medical insurances obtained through the Market, obviate the pre-existing medical conditions that clients may suffer. There is no discrimination to provide insurance to anyone. Anyone can enroll from November 1 to December 15, and apply for help if they qualify, or pay the monthly premium in full if they don’t. Outside of the enrollment period, those who are eligible for a special period may also enroll.

305.813.4268

Type of Life Insurances

Whole Life
Term Life
Universal

Historically, life insurance has served as an inheritance to beneficiaries once the insured dies, however, there is no longer a need for you to die to receive the benefit. Let us explain: when facing a serious (heart attack), terminal (cancer) or chronic disease (which makes it impossible for you to perform 2 of your 6 vital functions, such as bathing and walking), even if you do not die, they give you up to 90% of the money in a lifetime.

If after a few years the insured wishes to have saved a good amount of money as a supplement to his retirement, even if he does not have serious, chronic or terminal illnesses, nor has he died, he can withdraw part or all of the money saved with interest that plays in your favor, and often tax-free.

305.813.4268

Type of Property Insurances

Homeowners
Renters
Condo/Co-Op
Flood

Property insurance is a type of insurance policy that can provide coverage for property owners or renters. Examples of property insurance include homeowners, renters, and flood insurance policies. These policies can provide coverage for damages caused by fire, flooding, theft, weather, and other risks.

305.813.4268

Business insurance, also known as commercial insurance, can help protect your business from unexpected expenses related to property damage, legal liability, workers' compensation, and more. Whether you are just starting out and shopping for a small business insurance or just looking for better rates or coverage, having the right insurance policy can make all the difference when you really need it. Help protect your business against financial risk with a business insurance policy that's right for you.

305.813.4268

Obama Care Insurance (Marketplace health)

It is the Patient Protection and Affordable Health Care Act, which among other things is responsible for ensuring that people in the United States obtain a government subsidy (if their income is low) to access health insurance. Among its advantages is also not discriminating against patients with pre-existing medical conditions, such as diabetes and pregnancy, to obtain insurance, something that was usual before the enactment of the law.

305.813.4268