Rebecca Castro
Protect your family.
Build generational wealth.
Life insurance & Fixed Annuities in Florida
I’m an independent life insurance agent helping individuals and families make confident decisions about life insurance, income protection, and retirement planning without pressure or confusion.
Independent Agent • Licensed in Florida • Virtual Consultations
Who do I help?
• Families with young children
• New homeowners
• New parents
• Small business owners
• Teachers
• Healthcare workers
• Pre-retirees
• Retirees
Services I offer
Life Insurance
• Term
• Whole Life
• Final Expense
• IULRetirement Planning
• Fixed Annuities
• Retirement Income
• 401k RolloversEmployee Benefits
• Voluntary Benefits
• Group LifeFinancial Wellness Reviews
• Coverage Reviews
• Goal Planning
About
Who am I?
My name is Rebecca Castro. I’m a licensed insurance producer based in Melbourne, Florida. Originally from Pennsylvania, my family and I moved to Florida in August 2024. I’m a wife, mom, and sister. Family is at the center of everything I do. That’s why helping others protect their family means so much to me. When you reach out to me, you’re talking to a real person not an AI chatbot or scripted sales system.Why work with me?
Choosing life insurance is about more than selecting a policy. It’s about protecting the people and goals that matter most. I personally respond to every message or call because I believe conversations about protecting your family deserve honesty, compassion, and real human interaction. I offer personalized guidance and care while helping you find the right fit for your family and your budget. My consultations are obligation free and my support is ongoing. It doesn’t stop once the policy is issued.What you should expect
During our 15-minute consultation, we’ll discuss your goals, review any existing coverage, identify potentials gaps, and determine whether additional protection makes sense for your situation. There is no obligation to purchase from me and the consultation is complimentary. Whether you’re ready to move forward or simply gathering information, you’ll leave with a better understanding of your options and next steps.
Contact me
Rather reach out directly?
(321)276-6374
[email protected]
Thank you
I will be in touch!
Life Insurance
Term Life Insurance
Term life insurance provides coverage for a specific period of time, such as 10, 20, or 30 years. If you pass away during the term, your beneficiaries receive a tax-free death benefit. It’s often the most affordable way to get a large amount of coverage. It’s commonly used to protect income or settle debts (mortgage, car, etc) after death.Whole (Permanent) Life Insurance
Whole life insurance provides coverage for your entire life. In addition to a death benefit, permanent policies build a cash value that grows over time and can be accessed while you’re still living. These policies can be used for long-term protection, estate planning, wealth transfer, and creating financial flexibility throughout your life.
Final Expense
Final expense insurance is a type of permanent life insurance designed to cover end of life costs such as funeral expenses, burial or cremation costs, and medical bills. Coverage amounts are typically smaller with lower premiums and easier qualification. It can provide loved ones with immediate funds during a difficult time and keeps them from fundraising or financing your funeral.Indexed Universal Life (IUL)
An Indexed Universal Life (IUL) policy is a type of permanent life insurance that combines whole life protection and the potential for cash value growth linked to a market index like the S&P 500. While funds are not directly invested in the market, the cash value can benefit from the index performance and be protected from market downturns. IULs offer flexibility in both premium and death benefit.
Retirement Planning
Fixed Index Annuities
Retirement Income
401k Rollovers
employee benefits
Voluntary Benefits
Group Life Insurance
Financial Wellness
Coverage Reviews
Goal Planning
testimonials
”Rebecca took the time to explain our life insurance options in plain English and helped us find coverage that fit our families budget. We now have peace of mind knowing our children would be protected if something happened to us.” - Kerry L. Melbourne FL
”As new homeowners, we wanted to make sure our mortgage and family were protected. Rebecca reviewed our needs, answered our questions, and helped us choose the right life insurance policy with no pressure.” - Jack S. Viera FL
”Rebecca provided a thorough review of our financial goals and explained several options for life insurance and retirement planning. Her guidance made it easy to understand how to protect our assests and leave a legacy for our family.” - Elianna R. Orlando FL
”Rebecca was the one of the most knowledgeable life insurance agents we’ve worked with in Brevard County. She made the process simple and helped us find affordable coverage for our family. She even helped me roll over my old 401k.” - Lydia H. Titusville FL
Frequently asked questions
— Life Insurance FAQs —
What type of life insurance is right for me?
The right policy depends on your age, budget, family situation, and financial goals. Options include term life, whole life, universal life, indexed universal life (IUL), and final expense insurance.
How much life insurance do I need?
The amount varies by person, but many people choose coverage to replace income, pay off debts, cover final expenses, and provide for their loved ones.
Can I get life insurance with health conditions?
Yes. Many insurance companies offer coverage for people with common health conditions. Your options will depend on your health history and the carrier’s underwriting guidelines.
What’s the difference between term and permanent life insurance?
Term life insurance provides coverage for a set period of time, whole permanent insurance is designed to last your lifetime as long as premiums are paid and may build cash value.
Do I need a medical exam?
Not always. Many policies offer simplified underwriting or no-exam options for qualified applicants. I offer no medical exam life insurance.
Can life insurance help with final expenses?
Yes. Final expense insurance is designed to help cover funeral costs, medical bills, and other end-of-life expenses.
What is the best life insurance? Which carrier is the best?
The best life insurance is a policy that meets your needs and the needs of your family all while staying within your budget. Each carrier has different pros and cons and the one that is best for someone else might not be best for you and your needs. We will cover this in our consultation.
What are living benefits?
Living benefits are benefits that you can access while you are alive. They allow you to use part of the life insurance policy in the event of a chronic, critical, or terminal illness. Not all life insurance policies have living benefits. Not all living benefits are the same. If you have specific questions about the living benefits offered within your policy, please contact me with a copy of your policy.
What is a life insurance rider?
A rider is an option feature that adds extra benefits or protections to a life insurance policy.
A list of common riders includes:
-Accelerated death benefit rider (living benefits)
-Chronic illness rider
-Long term care rider
-Waiver of premium rider
-Child term rider
-Accidental death benefit rider
-Guarenteed insurability rider
— Fixed Index Annuity FAQs —
What is a fixed index annuity?
A fixed index annuity is a financial product designed to provide guaranteed interest growth and can offer a predictable income stream during retirement.
Are fixed index annuities safe?
Fixed index annuities are issued by insure companies and include guarantees backed by the financial strength of the issuing insurer.
How do fixed index annuities differ from CDs?
Both offer guaranteed growth but fixed index annuities often provide tax-deferred growth and may offer higher long term rates than traditional bank CDs. Check with me for current rates and promotions.
Can I lose money in a fixed index annuity?
Traditional fixed index annuities generally protect your principal from market losses, although withdrawals may be subject to surrender charges or tax penalties depending on your contract.
When should I considered a fixed index annuity?
Many people consider fixed index annuities when they’re approaching retirement and want guaranteed growth or predictable retirement income.
— General FAQs —
Do you work with multiple insurance companies?
Yes. Working with multiple insurance carriers allows me to help you compare options and find coverage that fits your goals and budget.
Is there a fee for a consultation?
No. Initial consultations are complimentary and designed to help you understand your options.
Can you help if I already have life insurance?
Absolutely! A policy review can help determine whether your current coverage still meets your needs and if you are over or under insured.
Can I get coverage online or over the phone?
Yes. Most applications can be completed remotely, making the process convenient and efficient.
Do you help clients in Florida?
Yes. I can help clients in all counties in Florida and all 50 states. I can also help you if you are a foreign national. Contact me directly for options.
Can I buy life insurance anywhere in Florida?
Yes. We can connect by phone or virtually.
Do you offer virtual appointments?
Yes. We can meet however is convenient. FaceTime. Zoom. Teams. Etc.