I help you choose the right life or private medical policy for your stage of life and your budget. No fine print surprises, no pressure, and real support on the day you need to use it.
Same business day reply · Free, no-obligation consultation
License
26-4444
WOA Costa Rica · Pan-American Life Insurance de Costa Rica
I work as an independent agent tied to a regulated boutique agency, backed by established insurance carriers.
Pan-American Life Insurance de Costa Rica
Member company of Pan-American Life Insurance Group
mnk Seguros
Partner carrier
World of America Costa Rica
Insurance agency · License SA-13-185
I review the available options and explain the real differences in coverage, deductibles and exclusions. You decide with the full picture.
Pre-existing conditions, waiting periods, annual limits. You know upfront what is covered and what is not, so a claim never becomes a surprise.
My job does not end at the signature. When you need the policy, I coordinate with the carrier and follow up until it is resolved.
Coverage should change when your life changes: marriage, children, a mortgage, a new business. We review your policy periodically.
Personal insurance is my specialty. I also arrange general and corporate coverage through the agency.
Private care without draining your savings
Access to private hospitals and specialists in Costa Rica and, depending on the plan, international coverage. Ideal if you want to skip waiting lists and choose your own doctor.
Stability for your family if you are not there
A debt-free lump sum for the people who depend on your income. It can clear a mortgage, fund your children’s education, or simply buy time to regroup.
A lump sum on diagnosis of cancer, heart attack or other covered conditions, for costs medical insurance does not reach.
Income protection in the event of permanent disability caused by an accident.
Group life and medical policies for companies with five or more employees.
The mandatory Riesgos del Trabajo policy for every employer in Costa Rica, handled end to end.
Coverage for a home, condo or commercial unit against fire, earthquake and third-party damage.
Own-damage cover, third-party liability and roadside assistance.
You do not need to understand insurance to start. You only need to know what you want to protect.
A 20-minute call or chat to understand your situation: who depends on you, what coverage you already have, and what worries you.
You get a clear comparison of two or three alternatives, with premiums, coverage and exclusions side by side. No jargon.
I handle the paperwork and medical requirements. After that I stay your direct contact for changes and claims.
Four quick questions so I can prepare a proposal that fits your case. I reply the same business day.
Insurance Agent · License 26-4444
I am an insurance agent in Costa Rica, tied to World of America Costa Rica Agencia de Seguros, backed by Pan-American Life Insurance de Costa Rica and mnk Seguros.
I came into this industry after seeing what happens when a family discovers — at the worst possible moment — that their policy did not cover what they thought it did. Since then my approach has been simple: explain everything before signing, and stay available afterwards.
I work mainly with families and independent professionals who want to protect their health and their income without buying more coverage than they need.
Short articles on the questions I get asked most. No unnecessary jargon.
Having public coverage does not make private insurance pointless, and private insurance does not replace the CCSS. The real difference is time, and who chooses your doctor.
Generic rules like “ten times your salary” usually miss. This is the calculation I walk through with clients, step by step.
Most rejected claims I have seen were not bad faith from the insurer. They were incomplete disclosures at the time of purchase.
The questions that come up in almost every first conversation, answered plainly.
Message me on WhatsApp for a fast reply, or leave your details and I will reach out.
The fastest route. I reply during business hours.