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Luis Espinal, B.S.
Agency Broker Owner for Health, Life, Suplemental, Medicare, Home, Long Term Care Insurance. Business Services too. Representing Major Companies in NY, NJ and CA. Financial Services Professional, for Individuals, Families, Business and Institutions,.

   WELCOME TO THIS WEBSITE!!!

www.LuisEspinal1.com help individuals, families, business and institutions, to solve insurance needs.  3  concepts are important:     Or you live too long,  or you die too soon, or you can get sick in the middle.  We have solutions for all these 3 situations.  Let's Talk about protection, prevention, or both!!!.   

We work in a Multicultural and Multi Estates Environment, speaking English, Spanish, and associates who speak Cantonese, Mandarin, Vietnamese, Indian, and other languages.

        Are you reaching prospects in the multicultural market? 

I CAN HELP WITH THAT.                       

PUEDO AYUDAR!                  

PREVENCION: Si usted se enferma, o queda invalido,  no desea que  familiares, amigos o vecinos le cojan pena. Prevenir es mejor que lamentar. Es esencial prevenir, porque despues hay que resolver, y resolver cuando el problema ya esta encima, usualmente es costoso y le  afecta su economia. Por donde quiera que lo vea, es mas barato tomar previsiones. Venga y hable con Luis Espinal. O llamelo, desde cualquier parte toll free: 855 888 2929.

                                         No espere, hasta que no pueda ponerse las medias.!!! 

 

     10.000 Baby boomers will reach 65 every day from now up to 2030. 

 

 Nos especializamos en trabajar con Baby Boomers y su familia. No cobramos por atenderlos, escucharlos, orientarlos, en nuestra oficina o en su hogar.      

 

              

LUIS ESPINAL provides FINANCIAL advice &  insurance services: health, life, SUPPLEMENTAL, and more.  dedicated to serving families, individuals, and businesses,   in multiple states. concentrated in emerging markets, SPANISH, Asian, and others, from the multicultural marketplace. 
 
We are a one-stop insurance shop center, because "we do it all ", all day, every day. helping families and businesses, from 1961. La experiencia, no se improvisa. viene de los anos.
 
OUR MAIN TASK IS to provide all types of health or life insurance in one place, to everyone from 1 year old or less,  up to 64 years old, and all medicare health plans to "seniors" 65 and above, same as "disabled" of any age. retirement, long-term care, and short home care. 
 
 
REPRESENTING many large companies, we work for you,  providing prescriptions drugs, vision, dental, hearing aids from companies you know. 
 
Other types of health plans are also available, we have it all. Health plans that work DIFFERENT. Speak with us, and I willI explain.   
 
AS IMO or  MGA, WE BRING NEW AGENCIES AND NEW AGENTS to the marketplace. One of our specialties is acting as Head Hunter, turning bright and out-of-the-box people, into the entrepreneurship world through helping, planning, and providing ASSISTANCE, for them to be successful in the multicultural markets.   
 
OUR SERVICES ARE AT NO COST.  It is advised that agencies and agents, who want to serve the multicultural market needs, GET IN TOUCH WITH US.   WE HAVE WHAt YOU NEED and everyone gets paid from the carriers. Luis Espinal is the king in the multicultural market; SPANISH, ASIAN, AND MORE.  
 
 BENEFITS to EMPLOYERs and EMPLOYEES. 
 
WE SERVE small businesses WITH 3 employees or less, and large companies or institutions HAVING thousands of employees, from the public or the private sector. ANYONE will get attended by us same day, or in 1 day for supplemental or regular health insurance.    
 
LIFE INSURANCE: business, families,  individuals, groups, looking for life insurance.
 
COLLEGE FUNDING. MORTGAGE PROTECTION. DEFINED BENEFITS. RETIREMENT plans,  annuities. disability income, SHORT, AND LONG TERM CARE. ASSETS PRESERVER. cancer/heart attack policy. ACCIDENT. final expenses and more, get with us, the best advice at no cost.
   
                        Haga su poliza usted mismo.
Fill out the necessary forms to get your policy yourself, in your home, or face to face in our office or via phone, video or internet email.  Todo el tiempo podra firmar electronicamente en este mundo remote, y hasta con firma de voz. 
 
  
 
 
NECESITA COTIZACION? YO SE LA ENVIO.  USTED LO PUEDE HACER TODO. TAMBIEN PUEDO AYUDARLE, SI NECESITA.
 
                               CALL US NOW. 
                                 855-888-2929
            
compre  una poliza haciendola usted mismo, en la tranquilidad de su casa u oficina, con nuestra ayuda, o sin ella.  vea todas las companias que estan en su area, planes disponibles, y precios; despues elija a traves del link QUE PODEMOS ENVIARLE, llenar su aplicacion y todo va directo al carrier
 
    VENGA A NUESTRAS OFICINAS O HAGALO EN CASA.
 
                                                              LO ORIENTAREMOS TOTALMENTE.
 
Working with businesses, institutions, employers, employees, families, and individuals,  to accomplish insurance protection needs, and financial goals.

 

Annuities and Retirement Planning. Long Term Care LTC. Check Protection for your pay. Defined Benefits, Business Partners, Key Employee protection and more, through personalized solutions. 

 

AS A BUSINESS ENTREPRENEUR I REPRESENT SOME OF THE LARGER AND RESPECTED COMPANIES.         

. SERVE THE COMMUNITY AND EARN GOOD MONEY      

WE PROVIDE HEALTH and LIFE INSURANCE to every business, small, large, and to you too as an individual.
 

    2  Living Benefits. Plans for the Future. Providing affordable Health Coverage from Head to Toe. 

Helping  Agencies and Brokers working in the multicultural markets.

The carriers pay the Agencies and Agents/Brokers. Different languages, especially,  English, Spanish and Asian approaches

                         . Get in touch !!!  TODAY.  

BENEFITS TO EMPLOYERS AND EMPLOYEES. They get low cost, voluntary supplemental Insurance, like accident, disability (check protection), dental, vision, Cancer, Hearth Attacks and more. Employers get economic advantages, when provide employees the opportunity  to  obtain benefits. Employer don't have to pay for this type of benefits. Is a win win situation for both, the employer and the employee,who get protection at low cost. Rush  appointments available, if you have from 3 to 3.000 employees.   If you have larger number of employees, we will sent you the Census Form, first. 
SENIORS MEDICARE PLANS. People 65 and older get here ALL MEDICARE HEALTH PLANS AVAILABLE. MEDICARE ADVANTAGE, MEDICARE SUPLEMENTS, PRESCRIPTIONS DRUGS, ANCIALLIARY AND MORE If you need it, we have it.     You can't enjoy wealth, if you're not in good health.  We also have: Home Care, and Long Term Care. Easy. Convenient. Trusted help. 
FINANCIAL ADVISOR ON: Annuities, Pension, Retirement Planning College Funding, Mortgage Protection, Final expenses Insurance and DIVERSE BUSINESS SERVICES.