Tree of Life Insurance associates

After years of experience working with proprietary insurance companies, we came to the realization that no one company has the best solutions for each client’s unique needs. Tree of Life Independent Risk Managers have access to dozens of insurance carriers and do not exclusively represent any of those companies. This means our loyalty is with you — not an employer. You can feel confident that the protection and safety you seek regarding your Life, Disability and Long Term Care needs will be sought-after with personalized precision. By exploring your specific situation and narrowing down your options, we pursue only those that are beneficial and in line with your well-being. That is the Tree of Life “People Before Product” philosophy and that is the Tree of Life standard.

Education Loan Analyst
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Notary Public
certified college planner

MEET OUR FOUNDER

  • Hugo Espiritu, CCPS®, ELA™
    Founder, Risk Manager
    Hugo Espiritu, CCPS®, ELA™
    Founder, Risk Manager
    Hugo Espiritu began his career at a private Wall St.-based investment firm in New York City where he helped families and business owners create and implement financial plans for their future. The heartfelt conversations he had with his clients throughout those years unearthed a passion for Hugo that he had not been aware of: securing his clients, their goals, families, and businesses in the event that things didn't go according to plan.
     
    Identifying and mitigating these risks became his forte, founding Tree of Life Insurance Associates alongside his business partner, and life partner, Olga Espiritu, CFP® of Tree of Life Wealth Advisory Group. Besides acquiring several investment industry licenses, Hugo expanded his overall financial planning knowledge by becoming a Certified College Planning Specialist™,  an Education Loan Analyst™ as well as a Registered Tax Return Preparer with the IRS.
     
    Hugo Espiritu is currently a Chartered Life Underwriter (CLU®) candidate at The American College, the CLU® designation is respected internationally as risk management's highest standard of knowledge and trust.

We offer a complimentary 1-hour “meet and greet” to explore if you could benefit from working with a Tree of Life Independent Risk Manager.

We look forward to building with you!

The Power of Independence | TREE OF LIFE

OUR SERVICES

insurance

LIFE INSURANCE

Traditionally, life insurance is a financial vehicle that protects those who depend on your financial capacity, be it a spouse and children or a business partner, by providing an infusion of cash in the event of an untimely death.
With the myriad of life insurance companies and types of policies, each with their own “bells and whistles” to choose from, it is important to learn about and include only those appropriate to your unique needs and goals. Your life insurance policy may include optional benefits (called “riders”) such as life insurance for your spouse and children, a disability rider, as well as access to your “cash value” throughout the life of your policy, if applicable.
Additionally, due to the incredibly favorable tax treatment of life insurance, certain types of policies may even concurrently add a creative advantage to your current overall financial plan.

DISABILITY INSURANCE

In the event of an accident or injury, medical insurance covers costs related to medical attention. However, your income may be reduced, or completely eliminated, in the event you are unable to get back to work. This is especially true for self-employed individuals and small business owners. Disability insurance provides you with monthly income to replace the income you’ve lost and to cover your living expenses. Your premiums will vary based on the income amount you’d like to receive, the amount of time you’d like to receive it, and any other options you’d like to include in your policy.

Family Insurance
Family Insurance

DISABILITY INSURANCE

In the event of an accident or injury, medical insurance covers costs related to medical attention. However, your income may be reduced, or completely eliminated, in the event you are unable to get back to work. This is especially true for self-employed individuals and small business owners. Disability insurance provides you with monthly income to replace the income you’ve lost and to cover your living expenses. Your premiums will vary based on the income amount you’d like to receive, the amount of time you’d like to receive it, and any other options you’d like to include in your policy.

long term care

LONG TERM CARE

Longevity and life expectancy is on the rise, but the cost of care is rising along with it. If you’ve experienced a loved one who needed care, you were probably made aware of how quickly those costs could diminish a nest egg. A long term care policy could allow you to maintain independence and stay in your home in the event that you need professional care in the future. It would protect you from relying on loved ones who may be scattered across the country or unable to help with tasks and daily activities due to their own obligations. Some or most of the costs of hiring professional care would be covered, leaving your nest egg intact and giving you and your loved ones peace of mind.

COMPLIMENTARY PORTFOLIO REVIEW

Already Have An Insurance Portfolio?
Opt to receive a complimentary Tree of Life Insurance Portfolio Review of the policies you already own. Changes in interest rates, as well as changes in the actuarial tables insurance companies use to quote premiums, can become a determining factor in whether or not your current policy continues to be as advantageous as when you purchased it. Frankly, we are also aware that the insurance industry is saturated with insurance agents that “hard sell” clients into buying insurance they might not need, have not done the appropriate analysis when recommending the type or amount of protection to consider, and/or represent companies that charge higher premiums than average. An independent, unbiased, Tree of Life Risk Manager can help you navigate your insurance options and guide you in the process of choosing a policy that fits your needs and your budget.

Complimentary Portfolio Review
Complimentary Portfolio Review

COMPLIMENTARY PORTFOLIO REVIEW

Already Have An Insurance Portfolio?
Opt to receive a complimentary Tree of Life Insurance Portfolio Review of the policies you already own. Changes in interest rates, as well as changes in the actuarial tables insurance companies use to quote premiums, can become a determining factor in whether or not your current policy continues to be as advantageous as when you purchased it. Frankly, we are also aware that the insurance industry is saturated with insurance agents that “hard sell” clients into buying insurance they might not need, have not done the appropriate analysis when recommending the type or amount of protection to consider, and/or represent companies that charge higher premiums than average. An independent, unbiased, Tree of Life Risk Manager can help you navigate your insurance options and guide you in the process of choosing a policy that fits your needs and your budget.

CONTACT US

WE WOULD LOVE TO CHAT.

We offer a complimentary 1-hour “meet and greet” to explore if you could benefit from working with a Tree of Life Independent Risk Manager. We look forward to building with you!

Florida Office
9720 Stirling Rd Suite 108
cooper city, FL 33024

New York Office
85 Broad St 27th Floor
New York, NY 10004

(917) 655-0450