I’m Maria Torres
I Found Coverage That Handles Variable Income
Maria Torres locked up her boutique after another busy Saturday, feeling grateful for her loyal customers but worried about the financial pressure of seasonal fluctuations. As the owner of a local specialty store with 8 employees, she’d built something special in her community, but irregular income made planning for protection challenging. “How do I provide security for my family and employees when my revenue changes every month?” she wondered while reviewing her books.
The Challenge…
With an income between $80,000-$120,000 that varied significantly with seasons and local economic conditions, Maria faced the unique challenges of retail business ownership. Her priority wasn’t just personal financial security – it was maintaining the business that supported her employees’ families and served her tight-knit community, all while managing unpredictable cash flow.
“I love what I do and the connections I’ve built,” she told her husband over dinner. “But I lie awake worrying about what happens to everyone if I get sick or something happens to the business. These families depend on me, and I need affordable protection that works with our variable income.”
Her biggest challenge was finding insurance solutions that understood small retail businesses and provided flexibility during slower periods.The Breaking Point…
Having to close for a week due to a minor health issue was a sobering experience for Maria as she watched her revenue disappear while employee expenses continued. “I can’t afford to be the weak link that brings down everyone else,” she realized. “I need protection that ensures the business continues even when I can’t be here.”
Finding Saphira…
I found out about Saphira through a local business networking event where their advisor presented on small business protection strategies. Their focus on community-based businesses and flexible solutions resonated immediately with me. “Finally,” I thought, “someone who understands that small retail businesses have different needs than corporate enterprises.”
The Solution…
Saphira’s small business team created an affordable flexible protection strategy
Term Life Insurance
Term Life Insurance with affordable premiums provided essential family protection. “This gives your family security without straining your variable cash flow,” their advisor explained. “You get maximum protection during your peak earning years at a price that works for small business budgets.”
Critical Illness Insurance
Critical Illness Insurance protected against income loss during health crises. “If you face a serious health issue, this provides funds to keep the business running and support your family,” the advisor noted. “You can focus on recovery instead of worrying about revenue loss.”
Key Person Insurance
Key Person Insurance for the business ensured continuity during her absence. “This provides immediate funds to hire temporary management or cover extra costs if you can’t work,” their advisor said. “Your employees keep their jobs and your customers continue being served.”
Group Insurance
Group Insurance for employees created competitive benefits within budget. “We’ll design an affordable package that helps you retain good employees while managing costs,” the advisor assured her. “Your team gets real benefits, and you get better employee loyalty.”
The Difference…
I went with Saphira because they know the struggles of small retail:
They treat me like a real person with a real business, not just a policy number, I said after implementing my plan. “They understand that small businesses like mine are the heart of our communities.”
Peace of Mind…
Looking back two years, Maria has the security she was seeking without straining her budget. Her protection adapts to seasonal fluctuations, her employees feel valued with their benefits package, and she sleeps better knowing her family and business are protected. “I can focus on serving my customers and supporting my employees instead of worrying about what could go wrong,” Maria reflects. “My business is more than just my livelihood – it’s part of our community fabric. This protection ensures it continues serving everyone who depends on it.” When other small business owners ask for advice, Maria always says, “Find someone who understands that small businesses aren’t just smaller versions of big companies. We need different solutions that respect our community connections and budget realities.”