Sandra Lariz

Sandra is a licensed insurance broker and owner who puts families first. She brings over 5 years of experience in insurance and a decade of building and directing internet and business development teams.

Rooted in family and faith, Sandra believes every life is a purposeful blessing from God. She listens to your worries, respects your priorities, and treats your family’s future with personal care.

Sandra is a devoted founder who is committed to growing a strong brokerage built on teamwork and trust. She leads a team that puts customers first and makes life insurance, living benefits, and annuities clear.

A useful life insurance conversation begins with obligations, not a product name. Income your family relies on, a mortgage, caregiving responsibilities and existing coverage all help shape how much protection to consider and for how long.

Sandra helps explain the differences between temporary and permanent coverage, including premiums, policy charges and cash value assumptions. An illustration is a planning tool, not a promise of future results. For IUL, an index-crediting floor does not eliminate policy costs or the risk of lapse.

For retirement income, annuities need a separate discussion about liquidity, surrender periods, fees and the insurer’s ability to meet its obligations. The goal is to understand the tradeoffs before deciding whether a contract fits your plans.