Insurance Broker: Auto, Life, Health and more

Ricardo serves as your dedicated Insurance Advisor, supporting individuals, families, and businesses with structured, transparent, and practical insurance guidance. His work centers on understanding real life needs and business realities, then designing cost effective insurance solutions that protect what matters most at every stage of life and growth. His approach remains advisory led, personal, and tailored rather than product driven.

Package Overview

Insurance protection requires clarity, structure, and informed decision making. Ricardo partners closely with Season Co-op members to assess risk, identify coverage gaps, and recommend insurance solutions that align with personal priorities and business objectives. Every engagement focuses on suitability, sustainability, and long term protection rather than generic coverage.

All policies are arranged through licensed insurers, with advisory support provided end to end.

Core Areas of Insurance Advisory

Health and Medical Insurance

Advisory support for individual, family, and corporate group medical insurance plans.

Life Insurance and Long Term Protection

Guidance across term life, critical illness, income protection, and long term financial planning solutions.

Business and Corporate Insurance

Risk protection for businesses including liability, professional indemnity, property, and employee benefit structures.

Motor, Home, and Travel Insurance

Personal insurance solutions designed for everyday protection and peace of mind.

Specialty Insurance Lines

Advisory for bespoke needs including marine, cyber, and customized insurance requirements.

Ongoing Policy Review and Optimization

Continuous assessment to ensure coverage remains aligned with changing life or business circumstances.

Who This Service Supports

• Individuals and families

• Entrepreneurs and founders

• Small and medium sized businesses

• Corporate teams and employee groups

• Professionals requiring tailored protection

• Growing companies managing operational risk

Advisory Expertise and Value

• Needs based insurance assessment

• Cost effective coverage structuring

• Multi insurer market comparison

• Clear explanation of policy terms and benefits

• Claims support and advisory coordination

• Long term protection planning

Process and Engagement Flow

1. Discovery and Needs Assessment

A structured review of personal or business requirements, risk exposure, and priorities.

2. Advisory and Solution Design

Identification of suitable insurance structures aligned with protection goals and budget.

3. Policy Arrangement and Placement

Coordination with licensed insurers to arrange selected coverage.

4. Ongoing Support and Review

Continued advisory support to ensure policies remain relevant and effective over time.

This approach ensures protection remains intentional, informed, and adaptable.

Important Note on Payments and Subscriptions

All insurance premiums and third party costs are paid directly to the licensed insurance providers. Season Co-op do not collect or process insurance subscription payments.