Spanish-speaking agents · Boston office

Life insurance so your family is protected.

We are Nora and Karen. We help you choose term life insurance, an IUL, a final expense plan or an annuity for your retirement, comparing more than 37 insurance companies. In English or Spanish, from $100 a month. ITIN accepted.

Message us on WhatsApp Calculate how much you need

Free advice · No commitment · We serve families in every U.S. state.

Four ways to protect your family

A life at the same table

One table. The years go by, and what needs protecting changes.

Term life insurance

Starting out

The new house papers, two mugs and the cool morning light.

Term life insurance

Protection for 10, 20 or 30 years at the lowest cost.

Right for you if: you have a mortgage, debts or young children.

IUL — protection + savings

Growing

A full table: homework, crayons, fruit and the midday sun.

Featured

IUL — protection + savings

Lifelong insurance that also builds money you can use during your lifetime: your children’s college, a business or your retirement.

Right for you if: you want to protect your family and save at the same time.

Annuities

Retiring

Afternoon coffee, photos of the grandchildren and reading glasses.

Annuities

A secure income for your retirement.

Right for you if: you are thinking about retiring and don’t want to depend only on Social Security.

Final expense

The legacy

The children, grown, with kids of their own; grandmother’s photo and her shawl are still on the table.

Final expense

So your family doesn’t have to pay for the funeral or raise money.

Right for you if: you want everything taken care of, especially from age 50.

Not sure which one is for you? That is what the first conversation is for. Message us →

We compare more than 37 A-rated insurance companies

We don’t work for a single company. We look for the one that suits you best.

What many Latinos think before protecting themselves

It is not a lack of love for the family: it is a lack of information and years of distrust.

Here are the four doubts we hear every day.

  1. Doubt 1 of 4

    “That is only for people with money”

    False. There are plans starting at affordable amounts that fit what you earn today, not what you might earn someday. There are plans from $100 a month.

  2. Doubt 2 of 4

    “I don’t trust it, it sounds like a scam”

    Life insurance in the United States is regulated by each state’s department of insurance. We show you the company, the contract and the numbers before you sign anything.

  3. Doubt 3 of 4

    “My immigration status won’t let me”

    There are plans for people with an ITIN: all you need is your ITIN and a bank account. We review your case and tell you the truth, even if the answer is that you don’t qualify yet.

  4. Doubt 4 of 4

    “I work a lot, I’ll look into it later”

    That “later” is what leaves families raising money on GoFundMe. A 30-minute conversation today prevents years of debt tomorrow.

    Have that conversation today

How it works

Four steps, no pressure.

  1. 1

    You reach out

    By WhatsApp or phone. We reply within 24 hours.

  2. 2

    We talk, at no cost

    By phone, video call or in person. We review your situation, your budget and what you want to protect.

  3. 3

    We show you options

    We compare insurance companies and show you the company, the contract and the numbers before you sign.

  4. 4

    We stay with you after

    Changes, beneficiaries and reviews.

Our commitment

Educate first, then recommend.

If a plan is not right for you, we tell you with the same honesty we would use with our own family.

Learn in 3 minutes
A mother and her daughter read some papers together at the kitchen table

Licensed in
Massachusetts and Florida

Nora in Massachusetts (NPN 22044689) and Karen in Florida (NPN 21584717). You can verify any license with your state’s department of insurance.

What you already know about us if you follow us on Instagram

Learn in 3 minutes

Each product, explained simply.

The most affordable option

Term life insurance

Covers your family for a set period (10, 20 or 30 years). It is the most affordable option and works to cover the mortgage, debts and the years when your children depend on you most. If nothing happens, the protection ends when the term is up.

  • It is legal and regulated

    Insurance companies and agents hold state licenses. You can verify any license with your state’s department of insurance.

  • Tax-free benefit

    In general, the death benefit your family receives is not considered taxable income. Every case is reviewed with your accountant.

  • You decide the amount

    Together we set a monthly payment you can keep up without squeezing your budget.

An honest estimate

How much would your family need?

Move the sliders. We use the DIME method (debt, income, mortgage and education), the same one advisors use to start a conversation. It is not a quote and not a promise of a premium.

$608,000 of estimated coverage

With that, your family would have:

  • 10years of your income replaced
  • $8,000in debts brought to zero
  • $4,583per month during that time
Review this number with an agent

You decide the amount. Together we set a monthly payment you can keep up without squeezing your budget.

About us

Nora and Karen: sisters, two lives looking after yours

Arango Legacy Advisors is a life insurance agency with an office in Boston. We serve families in every U.S. state. Nora Arango is a licensed agent in Massachusetts and Karen Arango in Florida; in other states, each case is coordinated with an agent licensed in that state.

We are a Latino family that also started from zero in the United States. We know what every dollar costs and what it feels like not to understand the system. That is why we explain everything calmly, in your language, with no fine print.

Our commitment: educate first, then recommend. If a plan is not right for you, we tell you with the same honesty we would use with our own family.

  • Advice in Spanish and English
  • Companies regulated in the United States
  • Support before, during and after you sign

The best investment is the one that protects the people you love most.

This is how we talk every day

What we share on Instagram, unfiltered.

Frequently asked questions

What people ask us before the first call.

If your question is not here, write to us. The answer may be “you don’t qualify yet”, and we will tell you that too.

What products do you offer?

Term life, IUL, final expense and annuities. In the first conversation we look at which one fits your age, your budget and what you want to protect.

How much do I have to pay each month?

There are plans from $100 a month. You decide the amount: together we set a monthly payment you can keep up without squeezing your budget.

Can I apply with an ITIN?

Yes, there are plans for people with an ITIN: all you need is your ITIN and a bank account. We review your case and tell you the truth, even if the answer is that you don’t qualify yet.

Do you serve clients outside Massachusetts and Florida?

Yes: we serve families in every U.S. state, by phone or video call. Nora Arango is a licensed agent in Massachusetts (NPN 22044689) and Karen Arango in Florida (NPN 21584717); in other states, each case is coordinated with an agent licensed in that state.

Is it legal and regulated?

Yes. Insurance companies and agents hold state licenses. You can verify any license with your state’s department of insurance.

Is the benefit taxed?

In general, the death benefit your family receives is not considered taxable income. Every case is reviewed with your accountant.

What happens with term insurance if nothing happens to me?

If nothing happens, the coverage ends when the term ends. Until then it covers your family for that set term (10, 20 or 30 years).

Where do we meet?

By phone, by video call, at our Boston office (975-977 Saratoga St) or at your home in Boston and Orlando.

Does the first conversation cost anything?

The first conversation is free: we review your situation and explain your options. You decide whether to continue.

Write to us and take the first step

One of us will contact you within 24 hours.

Leave us your details and one of us will contact you within 24 hours. The first conversation is free: we review your situation and explain your options. You decide whether to continue.

By phone or video call anywhere in the U.S. Home visits in Boston and Orlando too.

When you submit, WhatsApp opens with your message ready. Your details are confidential (privacy policy). No cost, no commitment, no pressure.

Nora Arango, licensed agent in Massachusetts (NPN 22044689). Karen Arango, licensed agent in Florida (NPN 21584717). In other states, each case is coordinated with an agent licensed in that state.