Your family deserves real protection.

Life, health, and accident coverage — personalized by a licensed agent serving TX, FL, OH & NY who actually picks up the phone.

Call (512) 387-2748
No spam, ever 100% free, no obligation Licensed in TX, FL, OH & NY · NPN 21566471
4.9★ Client Rating
1,000+ Families Protected
6 Coverage Types
Licensed TX Agent
Licensed in TX, FL, OH & NY
Same-day quotes available
Speak directly with Marimer — not a call center
No-obligation, zero pressure approach

How it works

No scripts. No runaround. Just Marimer — someone who will actually pick up the phone and know your name.

Tell us about yourself

Fill out a quick form — takes about 2 minutes. Just the basics: your name, what you're looking for, and how to reach you.

~2 minutes

Marimer reviews your situation

Marimer personally reviews your information and looks up options across multiple carriers. No algorithm. No assistant. It's actually her.

Within same business day

You choose — on your terms

Marimer walks you through your options in plain language. You decide what's right for your family. No pressure, no rushing.

At your pace

Coverage that fits your actual life

No two families need the same plan. Here's what Marimer can help you with — and she'll tell you which ones actually make sense for your situation.

Family reviewing a life insurance policy together

Life Insurance

Secure your family's financial future with comprehensive life coverage options including term, whole, and universal life.

Term LifeWhole LifeUniversal LifeFinal Expense
Check My Rates →
Doctor consulting with a patient about health insurance coverage Good Health. Better Life.

Health Insurance

Stay covered with plans that support your wellness journey, from preventive care to major medical needs.

ACAMedicarePrivate HealthcareShort-term
Person reviewing accident protection coverage documents

Accident Policy

Financial protection when the unexpected happens. Get coverage for accidents that can disrupt your life and income.

Personal AccidentAccidental DeathHospital CashIncome Protection
See What's Covered →
Retired couple enjoying financial security from their annuity plan

Annuities

Build a reliable income stream for retirement. Our annuity products help you plan for a comfortable future.

FixedVariableImmediateDeferred
Let's Talk Retirement →
Senior reviewing Medicare supplemental insurance options with an agent

Medicare Supplemental

Fill the gaps in your Medicare coverage. Our supplemental plans help cover copays, deductibles, and services Medicare doesn't cover.

Plan FPlan GPlan NPrescription Drug
Compare Medicare Plans →
Patient using a phone for a virtual doctor consultation

Virtual Access to Doctors

Connect with licensed physicians from the comfort of your home. Get consultations, prescriptions, and medical advice 24/7.

24/7 AccessVideo ConsultsE-PrescriptionsMental Health
See Plan Details →
I called three agents before Marimer. She was the only one who actually explained my options — and found me a plan that saved me $180 a month. — James Rodriguez · Health Insurance · San Antonio, TX Saved $180/month vs. prior plan*

*Individual results may vary. Savings depend on prior coverage, health status, and plan selection.

About Phoenix Securitas

Phoenix Securitas Premium started with a deeply personal reason: Marimer Cruz-Nieves watched her own family go through loss, divorce, and financial collapse — and learned firsthand what it costs when there's no protection in place.

She didn't start this practice to sell policies. She started it because she knows what the alternative looks like. Every client conversation begins the same way: with listening, not pitching.

"I didn't build this for volume. I built it because I know what happens to families who aren't protected — and I never want to watch that happen again."

The name Phoenix Securitas reflects something she carries personally. Families can rise from almost anything when they have the right foundation. That belief shapes every recommendation she makes — and every time she tells a client "that plan isn't actually right for you."

Protection first.
Honesty always.
One family at a time.

Our Story

Marimer Cruz-Nieves, founder and licensed insurance agent at Phoenix Securitas Premium

I didn't get into financial planning because of sales.
I got into it because I watched what happens when families are either financially prepared… or financially exposed.

My grandfather passed away at 64 years old. He was a hardworking man who believed in planning ahead and protecting his family. Even during one of the hardest moments of our lives, I saw the difference preparation made. His family had stability during a difficult time because he had planned ahead.

That same year, my parents divorced after more than 20 years of marriage. I watched my mother go from building a life with someone to suddenly trying to survive financially on her own. Eventually, she had to file for bankruptcy.

Seeing both situations changed the way I look at money forever. I saw firsthand how one unexpected life event can completely alter a family's future when there's no protection, no plan, and no financial foundation in place.

That experience is what led me into insurance, risk mitigation, and retirement planning.

Because financial planning is not just about money. It's about:

  • Protecting your family
  • Preserving dignity during difficult seasons
  • Reducing financial stress
  • Creating stability when life becomes unpredictable

Today, my mission is to help individuals and families build smarter financial strategies through:

  • Financial Needs Analysis (FNA)
  • Insurance planning
  • Retirement protection
  • Risk mitigation
  • Asset preservation
  • Long-term financial education

I believe people deserve clarity, not confusion. And I believe protection should come before speculation.

"Because I've seen what happens on both sides."
License Licensed Insurance Agent
NPN 21566471
Licensed States TX · FL · OH · NY
Languages English & Spanish
Affiliation HGI Crusade
"Most people don't realize they're underprotected until something happens. I'd rather have that conversation before then."

That's what Marimer sees every week. Families reach out after a job change, a health scare, a spouse's passing — and the coverage they assumed they had wasn't what they needed. Or they had no coverage at all.

Her approach starts with a Financial Needs Analysis — not a sales pitch. A real conversation about where your family stands today, where you're exposed, and what actually makes sense for your life and your budget.

She makes sure every client understands:

  • What their real financial risks actually are
  • Where their income and assets are most vulnerable
  • Whether their current life insurance is enough
  • How a 401k rollover could work in their favor
  • How to structure retirement income that holds up when markets don't

If Marimer can't explain it clearly in plain language, she won't recommend it. Full stop.

"You deserve to know exactly what you're covered for — and exactly what you're not."

Core Areas We Focus On

📊
Financial Needs Analysis (FNA)
📚
Insurance Education
🛡
Risk Mitigation Strategies
🏖
Retirement Protection
💎
Asset Preservation
📜
Legacy Planning
💻
Digital Asset Awareness

What working with Marimer looks like

She's one person — not a call center, not a corporation. You'll always know exactly who you're talking to.

⚖

Independent agent

Marimer isn't tied to one company. She shops multiple carriers to find what actually fits your life — not what earns the biggest commission.

📱

Direct access, always

You get Marimer's direct line. Call, text, or email. No call centers, no phone trees, no "your representative will be with you shortly."

🌎

English & Spanish

Marimer works fluently in both English and Spanish. No language barrier, no miscommunication — you understand exactly what you're signing up for.

🎓

Education over sales

Marimer explains your options in plain language. If a plan isn't right for you, she'll tell you — even if that means not making a sale that day.

1,000+
Families helped
6
Carriers compared for you
Same day
Response to every inquiry
EN + ES
English & Spanish

Resources to help you decide

Not sure where to start? These will help you think through your situation before talking to anyone.

🧮

Life Insurance Calculator

Estimate how much life insurance coverage your family needs based on your income, debts, and goals.

📈

Retirement Planner

See how annuities can supplement your retirement income and help you maintain your lifestyle.

Read the Guide →
📋

Coverage Comparison

Tell Marimer what you're looking for — she'll walk you through the plans that actually fit your situation.

👤

Find an Advisor

Connect with Marimer directly — a licensed agent (TX, FL, OH & NY) who will give you an honest assessment, not a sales pitch.

Schedule a Chat →

Products from carriers including

Ethos Life National General Mutual of Omaha HealthSherpa PlanEnroll Careington

My promise to you

"I will never recommend a plan I wouldn't put my own family on. I'll explain everything in plain language — no jargon, no fine-print surprises. And I'll be honest with you even when the honest answer is 'that plan isn't right for you.' That's what I'd want from someone I trusted with my family's future."
— Marimer Cruz-Nieves, Licensed Insurance Agent · NPN 21566471

What families say about Marimer

In their words. About a real conversation they had with one person.

"When my husband passed unexpectedly, Marimer made the claims process seamless during the hardest time of our lives. She walked me through everything step by step. The payout helped us stay in our home."

Life insurance claim paid within 30 days
Sarah Mitchell Life Insurance · Austin, TX

"I called three different agents before finding Marimer. She was the only one who actually explained my options clearly and found me a plan that fit my budget. No pushy sales tactics — just honest advice."

Saved $180/month vs. prior plan
James Rodriguez Health Insurance · San Antonio, TX

"Marimer helped my husband and me set up annuities so we'd have protected income in retirement with downside shielding from market loss. We finally feel secure about our future."

Retirement income protected from market loss
Patricia Chen Annuity · Houston, TX

Individual experiences may vary. Client testimonials reflect personal results and do not guarantee similar outcomes. Insurance benefits are subject to eligibility requirements and policy terms and conditions.

Licensed in TX · FL · OH · NY
NPN 21566471 · Verify at NIPR
NAIC-regulated carrier partners
No-pressure advice, always

Questions people ask before reaching out

If you're wondering about something, there's a good chance someone else has asked the same thing. Marimer gets these all the time.

Term life is the most affordable — it covers you for a set number of years (10, 20, 30) and pays out if you pass during that time. Whole life covers you forever and builds cash value. Universal life gives you flexibility in premiums and coverage. Final Expense is designed to cover burial costs and end-of-life expenses — it's usually easier to qualify for.

Not sure which fits your situation? Marimer will help you compare — no commitment required.

Original Medicare covers a lot — but not everything. You're still on the hook for copays, deductibles, and some services it doesn't cover at all. A Medicare Supplement plan (sometimes called Medigap) fills those gaps so you're not hit with unexpected bills. Plan G is currently the most popular because it covers almost everything Original Medicare doesn't.

It's telehealth — licensed doctors available by video or phone, 24/7, from your home. You can get prescriptions, diagnoses, and mental health support without driving to a clinic or waiting weeks for an appointment. It's especially useful for families who need quick answers without an ER co-pay.

Accidents happen — and the financial impact can be worse than the physical one. An accident policy pays you a lump sum when you're injured in a covered accident, regardless of what your other insurance pays. It can cover hospital stays, lost income, and out-of-pocket costs that health insurance leaves behind. Think of it as a financial cushion for the unexpected.

If you're worried about outliving your savings — an annuity is worth understanding. It converts a lump sum into an income stream for life or for a set period (subject to policy terms and conditions). It's particularly valuable as a supplement to Social Security, or if you want protection from market volatility in the years close to retirement. Marimer can walk you through whether it makes sense for your specific timeline. This is for educational purposes only and does not constitute investment advice.

A 401k rollover moves your retirement savings from an employer plan into an IRA or annuity — most commonly when you leave a job or retire. A direct rollover can be tax-advantaged; however, tax treatment depends on your individual circumstances. Rolling into a fixed indexed annuity, for example, may protect your principal from market loss while still allowing growth (subject to policy terms and conditions). Marimer can review your specific situation and help you decide whether a 401k rollover makes sense for your timeline. Consult a qualified tax professional before making rollover decisions.

Read more on our Retirement Planning page →

Risk mitigation means identifying where your family is financially exposed — loss of income, unexpected medical costs, market downturns, a lawsuit, outliving your savings — and putting the right protection in place before those events happen. Good insurance isn't just a product purchase; it's a strategy. At Phoenix Securitas Premium, every conversation starts with a financial needs analysis to find where you're actually vulnerable.

Not ready to commit yet?

That's completely normal — most people aren't on the first visit. Send Marimer whatever's on your mind. She reads and responds personally, not through a system.

Call (512) 387-2748

One conversation can change everything.

Most clients walk away with a better plan at a lower cost — or learn about coverage they didn't know they needed. Marimer gives you an honest picture, not a sales pitch. You decide what happens next.

Schedule a Call →