Insurance for dentists, physicians, lawyers and business owners.
I help you compare coverage, understand the differences, and choose what fits your life, in English or Spanish.
Meet virtually. No office visit needed.
I compare carriers rated A or better by AM Best (as of October 2026)
Start with your income. Then let’s look at protection for your family and a plan for care later in life.
What if you couldn’t work for a year?
Your home, your team and your family’s plans all run on your income.
What it does
Helps you pay the bills if illness or injury keeps you from working.
What to compare
Who keeps your promises if you can’t?
The house, college, the partner counting on you.
What it does
Helps the people you love with the bills and plans you leave behind.
What to compare
Who will take care of you later?
Let your kids be your kids, not your caregivers.
What it does
Helps pay for care when you need support with everyday things, like bathing or getting dressed.
What to compare
What if you couldn’t work for a year?
Your home, your team and your family’s plans all run on your income.
What it does
Helps you pay the bills if illness or injury keeps you from working.
What to compare
Who keeps your promises if you can’t?
The house, college, the partner counting on you.
What it does
Helps the people you love with the bills and plans you leave behind.
What to compare
Who will take care of you later?
Let your kids be your kids, not your caregivers.
What it does
Helps pay for care when you need support with everyday things, like bathing or getting dressed.
What to compare
Benefits, definitions and waiting periods vary by policy and carrier. Not every feature is available in every state.
You can start from your home country. To finish the process, you need to be in the United States.
We start virtually. We talk about your family, your goals and your options, wherever you are.
We plan around your next visit. You need to be in the United States for the medical exam and to sign the application. I’ll help you schedule both for your next trip.
After that, we stay in touch virtually.
Options for people who live outside the U.S. depend on your country of residence and each carrier.
Meet the founder
Independent insurance agent.
I grew up in Costa Rica and have called South Florida home since 2008. When I came into the industry, I kept seeing Spanish-speaking professionals get insurance advice that was rushed, confusing or only in English. I started Lapa to do it differently: one person, plain words, in your language.
Off the clock, I'm usually at home with my wife and our four kids, or playing soccer.
¿Prefieres español? Aquí hablamos español.
One advisor, from the first call to the claim. We meet virtually, so you never need to visit an office.
01 · Listen
Book a free 30-minute virtual call about your work, your income and who depends on you. No forms, no medical questions.
Your time30 min
I'll ask about
Just a conversation
02 · Compare
I lay several carriers side by side on what matters: how each one defines your occupation, what it pays if you can only work part-time, and how your benefit can grow.
Your timeOne review call
Carrier A
Carrier B
Carrier C
Example only. Not a quote.
03 · Apply
Depending on the carrier, underwriting can include a medical exam, financial documents and a phone interview. I schedule what I can and follow up with the carrier until your policy is issued.
Your timeA few short appointments · usually 4 to 12 weeks start to finish, depending on the carrier
I follow up with the carrier
04 · Stay
A yearly review, plus a call whenever your income grows or your life changes. I stay your agent for every policy change, like updating beneficiaries, your address or the bank account your premiums come from. If you ever need to file a claim, you call me, the same person.
Your timeA yearly check-in
Your income went up this year. Want to check that your coverage still fits?
Yes. Tuesday works.
Booked. I’ll send the comparison before we talk.
Things smart people still believe about insurance.
Myth · Disability
Fact
If your employer paid for the plan, the benefits you receive are taxable income.
Source: IRS Publication 525
Myth · Life
Fact
Your health affects whether you can get a policy and what you’ll pay. If your health changes later, a new policy can be harder to get or cost more.
Myth · Long‑term care
Fact
Medicare doesn’t pay for long‑term care like help with bathing, dressing or meals. It covers skilled nursing care for up to 100 days after a hospital stay, with a daily copay after day 20.
Source: Medicare.gov
FAQ
The insurance company pays me a commission when a policy is issued. You don't pay me a fee for the call, the comparison or the help with your application.
Generally, no. The insurance company sets the premium, so the same policy costs the same whether you buy it through an independent agent or directly from the carrier. The difference is that I compare several carriers for you.
Maybe. Group plans often cap the monthly benefit, may stop paying if you can do any job rather than your own, and usually end when you leave the employer. If your employer pays the premium, the benefits are taxable income. I can review your plan with you and see if there's a gap.
It's a definition of disability. With an own-occupation policy, you're considered disabled if you can't do the main duties of your specific occupation, even if you can still work in another role. Definitions vary by carrier and policy, so the exact wording is worth comparing.
I don’t work for one insurance company. I’m appointed with many carriers, so I can compare their policies side by side and recommend the one that fits you best, not the one I’m required to sell. If your needs change later, I can compare the market again instead of you starting over with someone else.
As an independent agent, I can compare several carriers, including MassMutual, Prudential, Symetra, AuguStar Financial, OneAmerica, Ameritas, Principal, Pacific Life, Mutual of Omaha, Lincoln Financial, Lafayette Life, Corebridge Financial, Transamerica and National Life Group. The right fit depends on your profession, your health and the coverage you need.
Three things come up most. Key person coverage pays the business if you, or someone it depends on, dies or can't work. A buy-sell plan gives your partners the money to buy your share, so your family gets paid and the business keeps going. An executive bonus plan lets the business pay for a life policy for you or a key employee, and the policy belongs to that person. I can walk you through which ones fit, in English or Spanish.
Yes. The call, the comparison and the application can all be in Spanish, English or a mix of both. Some carrier documents are only in English, and I'll walk you through them in Spanish.
I ask about your work, your income and who depends on you. I explain which types of coverage make sense for you and what they may cost. There are no forms and no obligation to buy. If you want to keep going, I prepare a side-by-side comparison.
I'm licensed in Florida, so I can help Florida residents directly. If you live in another state or outside the U.S., reach out and I'll tell you whether I can help or point you to someone who can.
30 minutes, free, in English or Spanish.
