Ana Paola Martinez
Life Insurance & Retirement Advisor · DeLeanos Financial Corp

Protecting your future,
securing your legacy.

Life insurance you can actually understand — with living benefits you can use while you're still here. In English or Spanish, with an SSN or ITIN.

50+
Families protected
EN · ES
English & Español
Free
Weekly community workshops

Four simple steps.

No obligation, no pressure. Just a clear path to protecting what matters most.

01
Free consultation
We talk about your family, your goals, and your future — no forms, no pressure, just a real conversation about what matters most to you.
02
I build your plan
Drawing on the full range of DeLeanos Financial solutions, I recommend the right coverage for your unique situation — explained clearly and honestly.
03
You decide
We move forward with the application.
04
Ongoing support
Life changes. I check in annually and I'm always a text away if your situation shifts and your coverage needs to adjust.

Life insurance & retirement
for every stage of life.

Whether you're protecting your family today or planning for retirement tomorrow, I offer the full range of solutions available through DeLeanos Financial Corp.

📈

Index Universal Life (IUL)

Lifelong protection with the potential to build cash value tied to market growth — with a 0% floor so you never lose what you've built.

🛡️

Term Life Insurance

Affordable, straightforward protection for the years your family needs it most — ideal for young families and growing households.

🏛️

Whole Life Insurance

Permanent coverage with guaranteed cash value growth. A stable, lifelong foundation for your family's financial security.

💛

Final Expense

Give your loved ones the gift of a burden-free goodbye. Simple, dignified coverage designed to handle end-of-life costs.

❤️

Living Benefits

Access a portion of your life insurance while you're still alive if you face a terminal, chronic, or critical illness — or a diagnosis of Alzheimer's or dementia.

🏦

Retirement Plans

Build your future with confidence. I offer Roth IRAs, Traditional IRAs, 403(b), and 457(a) plans — tailored to your retirement goals.

📜

Notary Services

Certified notary available to authenticate and witness your important documents — added convenience for clients who need it.

★★★★★
"I had no idea my policy could pay me while I'm still alive. Ana explained the living benefits in a way that finally made sense — and we locked in our plan the same week."
— Y.V., Chicago IL
★★★★★
"As a small business owner I kept putting this off. Ana made it simple and handled everything. I finally feel like my family and my business are both protected."
— R.S., Rockford IL · Business owner
★★★★★
"I wanted to say a quick thank you for all your help with my new policy. I really appreciate how thoroughly you explained every detail and took the time to answer all of my questions. You made a process that felt overwhelming much easier to navigate. I'm so grateful for your help and really happy with the policy. You're the best!"
— Maria
★★★★★
"Ana made the process of obtaining life insurance incredibly easy from start to finish. She took the time to answer my questions, address my concerns, and make sure I fully understood before moving forward. I trust Ana 100% — she gave me the peace of mind of knowing my family is protected while I continue building the future we look forward to. I would highly recommend her to anyone looking to protect their legacy."
— N.L. · Mom of 4

How an IUL
actually works.

Here's how it works for you.

📈

Tax-smart growth

Your cash value grows tax-deferred — and you can access it tax-free through policy loans.

🛡️

A 0% floor

When the market drops, your cash value doesn't. It never earns less than 0% in a down year.

❤️

Living benefits

Use part of your policy while you're alive if you face a critical, chronic, or terminal illness.

👨‍👩‍👧

Death benefit

A benefit that passes to your family income-tax-free when you're gone.

🏦

Access anytime

Borrow from your cash value whenever you need — no age limit, no IRS penalty.

I learned what insurance really is the hard way.

When my dad was fighting cancer, we had what everyone would call “good” insurance. What we didn't have was someone to sit with us and walk us through what to do next. We made the calls ourselves. We did the research ourselves. We tried to stay strong while we were just trying to be there for him.

I promised myself that no family I work with would ever feel that alone.

That's why I explain protection in plain words — in English and en Español, with no jargon and no pressure. Because financial clarity is an act of love. If that's what you've been looking for, I saved you a seat.

Part of a team that puts
your family first.

As part of DeLeanos Financial Corp, I bring personalized service backed by a team with extensive industry experience — serving clients nationally and internationally. Visit DeLeanos Financial →

Built for families

Whether you're just starting out or protecting an established household, I'll design a coverage plan that fits exactly where you are in life — and grows with you.

Great for entrepreneurs

Business owners need protection that keeps pace with growth. I specialize in strategies that safeguard both your personal and business future.

Your advisor, always

I'm in your corner at every step — from finding the right policy to being there when life changes and your coverage needs to adapt.

Licensed & bilingual

I serve clients in both English and Spanish — so you can ask every question, understand every detail, and make decisions with full confidence.

The things people are
afraid to ask.

What are living benefits?+
Riders that let you use your policy while you're living — if you face a critical, chronic, or terminal illness. Same policy, no extra cost. It protects you, not just the people you leave behind.
Can I qualify with an ITIN?+
Often, yes. Many families without a Social Security number still qualify for real coverage. Bring your questions to a free call and we'll look at it together.
How much does it cost?+
Most people guess two to three times too high. Real coverage can start smaller than you'd think — and the sooner you begin, the lower it stays. We'll find a number that fits your budget.
What if I already have insurance through work?+
Typically we see about $50K in death benefit through work — which doesn't come close to covering a family's bills. Sometimes it's 1–2x your salary; it all depends on your employer. And that coverage usually ends when you leave the job — which is why many people add their own policy on top.
How much life insurance do I need?+
A quick starting point is about 10x your annual income. A more precise way: add up your long-term obligations — mortgage, debts, kids' education — and subtract your assets. The gap is what insurance should fill. We can run your numbers together in a free call.
What does life insurance actually cover?+
The payout can cover whatever your family needs most: mortgage payments, debts, tuition, everyday expenses. It arrives as a lump sum, generally income-tax-free, and your beneficiaries decide how to use it.
Can I change my mind after I buy?+
Yes. Applying is free and non-binding, and every policy comes with a "free look" period after it's issued — cancel within that window and you receive a full refund of the premium paid. The exact number of days depends on your policy, and I'll show you where it's written in yours.

Not ready for a 1:1?
Start here.

Free community workshop

Protect What You
Love Most

Monday, August 3 · 8:00 PM
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Weekly letter

The Ana Paola
Letter

A weekly note on building a life you're proud of and protecting it along the way. Each week, I share stories, motivation, community highlights, and one practical insight to help you protect what you're building, care for the people you love, and move forward with intention. I'd love for you to join us.

✉ Subscribe free →

Ready
when you are.

One short, honest conversation — just clarity about your options.

💛 Got it! I'll personally reach out within 24 hours. — Ana
What are you interested in?
📱 Text or call me: (872) 225-2817
📅 Book a free call 📱 Text me