Insurance That Actually Makes Sense
We sit down with you, learn what matters most, and find coverage that fits your life and your budget. Every consultation is free — no strings, no pressure.
Retirement Planning Done Right
You’ve worked hard for decades. Now let’s make sure your money keeps working for you. Whether you’re 5 years out or 5 years in, I’ll help you build a plan that actually fits your life — no cookie-cutter advice, no pressure to buy what you don’t need.
MOST POPULAR
Annuities
Guaranteed income you can’t outlive. We’ll match the right type — fixed, indexed, or immediate — to your retirement timeline.
IRA & 401(k) Rollovers
Leaving a job or simplifying old accounts? I’ll help you roll over without losing money to taxes or fees you didn’t see coming.
Retirement Income Strategies
Your portfolio is one piece. We’ll plan how Social Security, savings, and insurance work together so the money actually lasts.
Personalized Timeline Plans
When to claim, when to withdraw, when to convert — every retirement is different. We map yours specifically.
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“Retirement is about your family’s security, protecting the life you’ve worked so hard to build and having the freedom to truly enjoy the years ahead with peace of mind.”
— Cynthia Cavazos, Insurance Genie
Life Insurance Without the Confusion
Life insurance shouldn’t feel like a sales pitch. I’ll walk you through term, whole life, index universal, and final expense — plain and simple — and help you pick what actually protects your family. No upselling. No pressure. Just real answers.
MOST POPULAR
Term Life Insurance
Affordable coverage for the years your family needs you most. Mortgage, kids in school, college — we cover the chapters that matter.
Whole Life & Index Universal
Permanent coverage with cash value. Builds equity over time and stays in force as long as you do. Great for legacy planning.
Final Expense Coverage
Smaller policies designed to cover funeral costs and final bills, so your family doesn’t carry that weight on top of grief.
No Medical Exam Options
Health concerns or just want it fast? Several carriers offer simplified or guaranteed-issue policies with no medical exam required.
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“I lost loved ones I wish had been better protected. That’s why I do this work — so other families don’t have to learn the hard way.”
— Cynthia Cavazos, Insurance Genie
Medicare Made Simple
Turning 65 brings a flood of mailers, commercials, and confusing options. Let me cut through the noise. I compare Medicare Advantage, Supplement, and Part D plans across multiple carriers — and I’ll help you in English or Spanish, whichever feels right.
MOST POPULAR
Medicare Advantage (Part C)
Bundles hospital, medical, and often prescription coverage into one plan — usually with extras like dental, vision, and fitness benefits.
Medicare Supplement (Medigap)
Covers the gaps Original Medicare leaves behind — copays, coinsurance, and deductibles. Predictable costs, broad provider access.
Part D Prescription Coverage
Plans vary widely. I match your current medications against available plans to make sure you’re not paying more than you should.
Enrollment Period Guidance
Missing your enrollment window means late penalties and coverage gaps. I walk you through every deadline, in your language.
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“Medicare may seem simple at first, but the options can quickly become overwhelming. I take the time to sit down with you, compare plans side by side, and help you find the coverage that truly fits your needs.”
— Cynthia Cavazos, Insurance Genie
Health Insurance That Fits
Whether you’re shopping the marketplace, covering a small business, or somewhere in between, I’ll help you find a plan that actually covers what you need. No surprise networks. No hidden deductibles. Just real coverage that works.
MOST POPULAR
Individual & Family Plans
ACA marketplace and off-exchange options. We compare premiums, deductibles, and network coverage to match your family’s healthcare habits.
Small Business Group Plans
Two to fifty employees? I help small business owners offer real benefits without breaking the budget — and handle the renewal headache for you.
Short-Term Coverage
Between jobs, waiting for a new plan to start, or just need a bridge? Short-term plans cover the gap without long-term commitment.
Supplemental Plans
Accident, hospital indemnity, critical illness — these fill the financial gaps your main plan leaves behind. Pennies on the dollar.
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“Healthcare is personal. Your plan should reflect how you and your family actually use it — not what’s easiest to sell.”
— Cynthia Cavazos, Insurance Genie
Granting Clarity with a Complimentary Consultation
Let’s Talk – No Hassle. No Pressure.
CLIENT STORIES
Families I've Protected
Cynthia walked me through every Medicare option without the confusing jargon. I finally feel confident about my coverage — and she even helped my mom in Spanish.
Maria G.
McAllen, TX — Medicare
She found us life insurance we could actually afford. My husband and I sleep better knowing our kids are protected if anything ever happened.
Sandra R.
Edinburg, TX — Life Insurance
I was lost trying to plan for retirement. Cynthia sat down with me and made it simple. She genuinely cares — not just about the policy, about me.
Roberto M.
Mission, TX — Retirement
Questions? We've Got Answers.
✦ Do I really need life insurance?
If anyone depends on your income — a spouse, children, aging parents — then yes. Life insurance replaces your income if something happens to you. Even if you’re single, a small policy can cover final expenses so your family isn’t left with the bill.
✦ What's the difference between term and whole life insurance?
Term life covers you for a set period (10, 20, or 30 years) and is the most affordable option. Whole life covers you for your entire life and builds cash value over time. We’ll help you decide which makes sense based on your age, budget, and goals.
✦ How do I know if I'm getting the best price?
Because we’re independent agents, we’re not tied to one insurance company. We shop your coverage across dozens of carriers and bring you the best options. You get to compare — no pressure, no fine print surprises.
✦ What does a consultation cost?
Nothing. Every consultation is completely free, no strings attached. We believe you should be able to ask questions and explore your options without pulling out a credit card.
✦ Can you help my small business with employee benefits?
Absolutely. We help small and mid-size businesses in the Valley set up group health, life, and disability plans. Good benefits help you attract and keep great employees — and they don’t have to cost a fortune.
✦ What is final expense insurance?
Final expense insurance is a small whole life policy (typically $5,000–$50,000) designed to cover funeral costs, medical bills, and other end-of-life expenses. Most people qualify regardless of health, and premiums are fixed for life.
✦ Do you offer coverage in Spanish?
¡Sí! We’re happy to walk you through everything in Spanish or English — whatever’s most comfortable for you. Serving the RGV means serving our community the way they need.
✦ How long does it take to get covered?
Many plans can be activated within 24–48 hours. Some life insurance policies with simplified underwriting can be approved the same day. We handle the paperwork so you don’t have to.