Maximize Asset Protection

Health & Life Insurance Advisors in Phoenix, AZ

Finding the right health and life insurance should not be confusing or overwhelming. MAPFL (Maximize Asset Protection) helps Arizona individuals, families, immigrants, and small businesses navigate health and life insurance options with personalized guidance and licensed advisor support.

Insurance & Financial Protection Services in Arizona

MAPFL offers a full range of insurance and financial education services designed to protect your health, income, family, and long-term assets. As an independent agency, we work with multiple carriers to help you choose coverage that fits your needs—not a one-size-fits-all plan.

Health Insurance for Individuals and Families

ACA-compliant health insurance plans, short-term options, and supplemental coverage designed to protect against unexpected medical costs.

Group Health Insurance for Small Businesses

Cost-effective group health insurance solutions for Arizona small businesses, helping employers attract, retain, and support employees while managing benefit costs.

Health Insurance for Immigrants in Arizona

Health insurance guidance for immigrants and mixed-status families in Arizona, including eligibility education, enrollment support, and bilingual assistance.

Life Insurance Solutions for Employees

Life insurance options designed to complement employer benefits, helping employees protect their families, income, and long-term financial security.

Life Insurance for Business Owners

Life insurance strategies for business owners, including succession planning, executive compensation support, and long-term asset protection solutions.

Taxes, Financial Education & Asset Protection

Educational guidance on tax strategies, financial literacy, and asset protection designed to help individuals and business owners plan proactively for the future.

ACA Health Insurance Enrollment & Eligibility Support

Navigating Affordable Care Act (ACA) health insurance can be confusing, especially when enrollment periods, subsidies, and plan availability vary by situation. MAPFL helps Arizona residents understand their ACA options and determine eligibility for coverage.

 

 

We provide guidance for:

 

  • Open Enrollment
  • Special Enrollment Periods due to qualifying life events
  • Subsidy and cost-sharing eligibility
  • Marketplace plan comparisons

     

Whether you are self-employed, losing employer coverage, moving, or experiencing a life change, our advisors help ensure your enrollment is completed accurately and on time.

Why Arizona Residents Choose MAPFL

MAPFL is an independent insurance agency that works on behalf of clients—not insurance carriers. Our approach is centered on education, transparency, and long-term support.

  • Licensed insurance advisors

  • No fees for enrollment assistance

  • Bilingual support available

  • Arizona-focused eligibility and market knowledge

  • Ongoing support beyond enrollment

Who MAPFL Helps

MAPFL works with a wide range of individuals and businesses, including:

  • Individuals and families seeking health insurance
  • Self-employed and independent workers
  • Immigrants and mixed-status households in Arizona
  • Small business owners and employers
  • Employees seeking supplemental life insurance
  • Business owners planning for long-term financial protection

How the MAPFL Process Works

  1. Free consultation to understand your needs, goals, and eligibility
  2. Comparison of available insurance options and carriers
  3. Clear explanation of coverage, costs, and next steps
  4. Enrollment assistance and continued support

Insurance Education & Resources

MAPFL provides educational content to help clients make informed decisions about insurance and financial protection. Our blogs, videos, and podcasts explain complex topics in a clear, easy-to-understand way.

Topics include:

  • Health insurance basics and ACA guidance
  • Life insurance planning
  • Financial education and asset protection strategies
  • Enrollment tips and coverage updates

Latest Blogs/Podcasts

Why do I hear so many negative things about IULs

The Truth About IULs: Protection First, Growth Second. Get the real story on Indexed Universal Life (IUL) insurance. It's not a scam, but it's not a replacement for investing. Learn why you should buy...

Employee benefit Avoiding ERISA

Small employer? Reward key employees with exclusive retirement benefits using a 162(a) Executive Bonus Plan. Legally avoid ERISA and select who you reward. Learn how...

Estate Planning Documents

Protect your assets and healthcare wishes with essential estate planning documents. Learn the differences between living wills and healthcare power of attorney, and understand how trusts vs wills...

Pretax Life Insurance Option

Can business owners deduct life insurance premiums? Usually no — but a few entrepreneurs may qualify for powerful tax advantages through special strategies like Section 162 plans. Learn who qualifies...

Are you missing out on compound interest

Discover the power of compound interest and the Rule of 72. Learn how your money can double over time, why low-yield savings accounts hold you back, and how smart investing helps build long-term...

Flexible Investment

Permanent life insurance isn’t just about returns — it’s about protection, liquidity, and flexibility when you need it most. Discover why life insurance can be a powerful financial tool for business...

Protect Your Money From Lawsuits

Learn how life insurance and annuities can protect your assets from lawsuits and creditors. Discover smart strategies for safeguarding your wealth in a litigious world...

Trusted Estate Planning, Financial Education, and Trusts for Officer Safety

Maximize Asset Protection provides expert estate planning services including wills and trusts tailored for law enforcement professionals. Enhance officer safety and family financial literacy with...

Arizona Estate Planning Guide for Law Enforcement

Arizona estate planning tailored for law enforcement officers. Learn essential financial planning, trust vs will distinctions, probate law, and strategies to protect assets including IRAs, 401(k)s...
Norma Noriega

What We Offer?

At Maximize Asset Protection, our team is focused on finding the right Health Life & Insurance plans according to the individual or group needs. We represent all major carriers and work on behalf of the client, not the insurance company. 

Our team are expert Health and Life Insurance Agents. We take emotion out of the buying process and educate our clients as to what makes sense. We offer Individual Health Insurance, Group Health Insurance, Supplemental Insurance, Short-Term Health Insurance, Ministry Plans, Disability Insurance, Term Life Insurance, Indexed Universal Life Insurance, Permanent Life Insurance, Medicare, and Medicare Supplements.

Our focus is understanding our client’s situation and then match it up with benefits they can afford speicific for their family. business & lifestyle. People with assets need to look at insurance differently than those without assets. We understand that each case is unique, and we dedicate our time to understand how to best meet your current needs as well as your future financial goals

Services

Practical Insights for Your Financial & Legal Decisions

Connects the educational focus to their services in asset protection, insurance, and immigration.

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Immigration

Health insurance and immigration are confusing. We have experts on our team! Click the link to schedule an appointment.
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Seed or Harvest Show

Health insurance and immigration are confusing. We have experts on our team! Click the link to schedule an appointment.
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Law Enforcement Specialist

Health insurance and immigration are confusing. We have experts on our team! Click the link to schedule an appointment.

Protect Your Future and Retirement

No one can predict what lies ahead, but being prepared allows us to protect what matters most. Retirement isn’t easy. Planning and preparing your financial resources is critical.

We have the tools and resources to help you achieve your life goals. When it comes to retirement, our action today will impact tomorrow.

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