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About Us

Welcome to Helga Rivera Insurance, where your peace of mind and the security of your loved ones are my top priorities. I’m Helga Rivera, and I’m dedicated to providing you with exceptional service. With years of personal service, Helga Rivera Insurance has gained a solid reputation and the respect of my clients.

I provide my services in Maryland, Michigan, New Mexico, Ohio, Puerto Rico, South Carolina, Texas, and Virginia. My product offerings include Term Life Insurance, ROP Term Life Insurance, Guaranteed Universal Life (GUL) Insurance, Index Universal Life (IUL) Insurance, and Annuities.

As an insurance agent, I advocate for my clients and deliver the best possible outcomes. Like Newton’s Third Law of Motion states, I believe in generating results. I understand that making the right insurance decisions can significantly impact your financial well-being.

When you choose me as your agent, you can expect my total commitment to producing results. I will provide you with a clear explanation of all your options based on thorough research and fast follow-through. Our discussions will be frequent, and I value your input, combining it with my experience to guide us toward a successful and rewarding outcome.

I understand the importance of protecting what matters most in your life because I also value those elements. I am here to help secure your and your family’s futures, ensuring that you are protected against the uncertainties of life. Putting myself in my client’s shoes, I go the extra mile to provide the level of service I want.

In today’s competitive insurance market, it is crucial to seek the guidance of an insurance professional to avoid costly mistakes. As a life insurance professional, I prioritize your welfare over selling a product. I will educate and guide you, helping you make informed choices that align with your objectives.

As your agent, I guarantee that I will:

Go the extra mile to help you reach your objectives.

  • Go the extra mile to help you reach your objectives.
  • Be uncompromising in pursuing your best options.
  • Be available throughout the entire process and beyond.
  • Produce results in a timely, organized, and efficient manner.
  • Keep you advised at every turn.

An Independent Advantage

We are Independent Agents in San Juan, , free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Helga Rivera Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it’s up to you to make the final choice.

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