01
Indexed Universal Life (IUL)
Market-linked growth without market-loss risk. Tax-free withdrawals at retirement. Living benefits for critical, chronic, terminal illness.
Private Wealth Protection · Texasof Constante Insurance Group
Engineered wealth, protected for generations.
I design tax-advantaged life insurance and retirement strategies for families and business owners who refuse to leave their legacy to chance.
Texas Licensed
SSL Encrypted Intake
Backed by Constante Insurance Group · 8+ carriers · Licensed in 11 states
RH
Reinaldo Henriquez
Appointed carriers
National Life Group
Mutual of Omaha
Senior Life
F&G
Allianz
Foresters
Americo
Athene
National Life Group
Mutual of Omaha
Senior Life
F&G
Allianz
Foresters
Americo
Athene
$0+
In annual premium placed
0+
Families protected
0
Years licensed
0
Min avg response time
01 · Strategies
Four levers. Built around your timeline.
Every plan is engineered from the same four primitives — selected and sized to your tax bracket, age window, and exit goal.
Most-requested
02
Final Expense
Whole-life coverage built for ages 50–85. Lock the rate, lock the payout — no medical exam in most cases.
03
Term Life
Maximum coverage, minimum premium. Right product for mortgage protection and family income replacement.
04
Fixed Index Annuity
Guaranteed income for life. Principal protection. Designed for the 5–10 years before and after retirement.
02 · Process
Three deliberate conversations.
No pressure, no scripts. You leave each step with a clearer answer than you came in with.
- 01
Strategy Call
20 minutes. We diagnose what you already have, identify gaps, and map a recommended structure — at no cost.
- 02
Tailored Proposal
I deliver 2–3 carrier quotes side by side, with the math written out. You see the numbers before you sign anything.
- 03
Underwriting & Activation
I shepherd the application end-to-end — exam scheduling, carrier follow-up, in-force review. Most policies issue in 14–28 days.
03 · Why IUL
How an IUL outranks the alternatives.
Side-by-side, here is the comparison agents rarely show you in writing.
| Feature | IUL | 401(k) / IRA | Whole Life |
|---|---|---|---|
| Market-linked upside | — | ||
| Protection from market loss | — | ||
| Tax-free retirement income | — | — | |
| Access funds before 59½ — no penalty | — | ||
| Living benefits (critical / chronic illness) | — | — | |
| Tax-free death benefit to heirs | — |
04 · Client Outcomes
Real policies. Real families. Real math.
Names abbreviated for privacy. Premium and carrier are exact.
"I came in thinking IUL was a buzzword. Reinaldo wrote the math on paper, showed me the carrier illustration side by side with my 401(k), and I left with a $400/month structure that actually fits my retirement plan."
Glenda A.Houston, TX
Indexed Universal Life · Mutual of Omaha
$400 / mo · $4,800 annual premium
"Our family needed legacy coverage and I wanted multiple carrier quotes — not just whatever paid the agent best. He brought three, we picked NLG together, and the policy issued in 19 days."
Wilma M.Dallas, TX
Indexed Universal Life · National Life Group
$400 / mo · $4,800 annual premium
"My mother is 71 and was anxious about a medical exam. He found a Senior Life product with no exam, locked her rate, and the policy was approved in six days."
Elba L.Miami, FL
Final Expense · Senior Life · no medical exam
$100 / mo · $1,200 annual premium
"Bilingual call, plain explanation, no upsell. He told me a smaller policy made more sense for my budget and showed me why. That is rare — and it earned the referral I sent him next."
Luz T.Phoenix, AZ
Indexed Universal Life · National Life Group
$200 / mo · $1,800 annual premium
05 · Questions
What clients ask before the first call.
Carriers pay the commission, never you. The premium you pay is identical whether you buy through me, online, or direct — the carrier simply allocates a portion to the licensed producer who handled it.
In-depth guides
01 · Complete guide
How to protect my family with life insurance — the honest guide from a licensed agent
Which product fits which situation, real costs by age, the DIME formula to size your coverage, ITIN options without SSN, and the questions that matter before signing anything.
06 · Schedule
Bring the conversation to the table.
Twenty minutes. Plain English. No obligation. You will know whether a strategy with me is the right move by the end of the call.