One free conversation. Zero pressure. In your language.
Tell us about your, or your family's, needs or interest below and we'll respond within one business day. Or open the calendar and pick a time now — whichever works best for you.
Your family deserves clarity before making financial decisions.
One free conversation. In your language. At your pace. No pressure — just honest answers, and a plan only if you want one. Book below, or send us a message and we'll respond within one business day.
How much coverage does your family actually need?
Before comparing any product, the first step is understanding how much protection your family would need. The DIME method adds up Debt, Income replacement, Mortgage and Education — minus the coverage you already have.
A quick estimate — not a quote. The full calculator adds final expenses and a detailed breakdown.
Open the full DIME calculatorSchedule directly with an Aegis Vita advisor
Pick a time that works for you. Every consultation is free, bilingual, and carries no obligation — just honest answers at your pace.*
Or send us a message
* Ivann Avalos, our founder, attends as many consultations as possible. Due to high demand, one of our trusted, fully-licensed Aegis Vita advisors — each of whom completes strict professional training — may serve you instead, with the same care our families deserve.
The underwriting process, in plain language
Once you decide to move forward, here is exactly what the carrier does and where you fit in. No surprises, no jargon.
- 1
We submit the application
We complete and submit your application together. I walk you through every question so nothing is guessed at.
- 2
The carrier reviews your records
The insurance company reviews financial and medical records to confirm what the application says.
- 3
Sometimes a porta-med visit
They may request a porta-med: a nurse comes to your home and runs a basic physical. It is completely free to you.
- 4
Approval, then e-signatures
Once everything checks out the carrier issues a policy approval, and we e-sign all the necessary paperwork.
- 5
First premium, then you're covered
Expect the bank draft of your first premium within 24 to 48 hours. At that point you are fully insured and covered immediately.
Through all of it, you can count on me to be honest, transparent and with you at every step of the way. Aegis Vita doesn't just provide clarity to begin with — we walk with you and become your advocate and agent for life.
- One of our bilingual advisors reviews what you shared and reaches out in the language you chose.
- We answer your questions honestly — no jargon, no scripts, no push toward a specific product.
- If a plan makes sense for your family, we build it around your life. If not, you leave with clarity anyway.
Not ready to reach out yet? Here's something to read first:
How living benefits actually workOr book a time on the calendar