We’re Carlos and Maria Gomez
We Found Honest Coverage Without Sales Pressure
Carlos hung up the phone after another confusing call with an insurance salesperson, shaking his head in frustration. “They keep throwing around terms like ‘universal life’ and ‘investment components,'” he told Maria as she graded papers at their kitchen table. “All I want to know is: will this keep our family safe if something happens to me, and can we actually afford it?”
The Challenge…
With their 17-year-old daughter heading to college next year, Carlos and Maria Gomez felt the pressure mounting. Carlos’s construction work provided steady income, and Maria’s part-time teaching helped, but their small-town life had kept them somewhat isolated from complex financial planning. Their employer life insurance felt insufficient, but every agent they spoke with seemed more interested in selling expensive policies than understanding their actual needs.
“I don’t need to get rich off my life insurance,” Carlos said over dinner. “I just want to know that if something happens to me, Maria can keep the house and our daughter can go to college without debt. Why does that have to be so complicated?”
Maria nodded, looking up from her stack of papers. “And I don’t trust half these salespeople. They talk so fast and use terms we don’t understand. How do we know they’re not just trying to sell us more than we need?”The Breaking Point…
During their daughter’s college financial aid meeting, seeing the costs laid out in black and white made Maria and Carlos realize their current savings wouldn’t be enough if anything happened to his income. That night, Maria couldn’t sleep. “We’ve worked so hard to get this far,” she whispered. “I need to know we’re protected.”
Finding Saphira…
My breakthrough came through my church community. Father Miguel mentioned that a financial advisor from Saphira had helped several families in our parish with straightforward, honest advice. “She doesn’t try to sell you things you don’t need,” he said. “She explains everything in plain language.” When I called Saphira Financial, I was immediately put at ease. “Let’s start with what matters to you,” their advisor said. “Tell me about your family and what you’re hoping to accomplish.”
The Solution…
Saphira’s advisor took the time to understand their simple but important goals
Term Life Insurance
Term Life Insurance became their primary protection. “This is straightforward coverage for the time when your daughter needs it most,” their advisor explained. “You get maximum protection at an affordable price. No confusing investment components – just pure insurance that guarantees your family’s security.”
Critical Illness Insurance
Critical Illness Insurance addressed Maria’s fear about medical expenses. “If Carlos faces a serious health issue, this provides a lump sum payment,” the advisor said. “You can use it for treatment, income replacement, or whatever your family needs most during recovery.”
Final Expense Coverage
Final Expense Coverage solved their concern about funeral costs. “This ensures your family won’t have to worry about burial expenses or outstanding debts,” their advisor noted. “It’s a small policy that takes care of immediate needs, so your other insurance can go toward the bigger goals.”
RESP optimization
RESP optimization for their daughter’s education rounded out their plan. “You’re already saving some money for college. Let’s make sure you’re getting the maximum government matching grants,” the advisor suggested.
The Difference…
We chose Saphira because of their honest straightforward style
She treats us like family, I said after our second meeting. “She’s not trying to impress us with complicated strategies. She just wants to make sure we’re protected.”
Peace of Mind…
After two years, Carlos and Maria sleep better knowing their simple plan covers all their important bases. Their daughter is thriving in college, funded by their savings and grants, while their insurance provides the safety net they need. “We don’t need fancy investment plans,” Carlos reflects. “We needed someone to listen to what we actually wanted and give us solid, dependable protection. That’s exactly what we got.” When neighbors ask for advice about insurance, Carlos always says, “Find someone who talks to you like a person, not a sales target. That makes all the difference.”