Your career, your income, your future - all protected by design. Our customized insurance strategies protect your income so you can focus on what matters most to you.
Protection Designed For You
Our Services
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True Own Occupation
Specialty True Own Occupation (Medical)
Business Policies
Group Short Term Disability
Group Long Term Disability
Overhead Expense Disability
Disability Insurance
Disability insurance protects your ability to earn an income. If an illness or injury prevents you from working, it replaces a portion of your paycheck so you can continue covering your essential expenses. Disabilities are more common than many people realize - around 5% of working Americans experience a short-term disability each year, and most cases aren’t work-related, meaning they’re not covered by workers’ compensation.
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Term Insurance
Whole Life Insurance
Business Policies
Group Life Insurance
Key Person Life Insurance
Buy-Sell Agreement
Life Insurance
Life insurance is first and foremost a way to protect your loved ones and those who rely on you for financial support. If you pass away unexpectedly, it can provide a significant, income tax-free payout to help them maintain their lifestyle and cover essential expenses. Some policies also offer features that can help you build and preserve family wealth over time.
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Traditional Long-Term Care Insurance
Hybrid Long Term-Care Insurance
Long-Term Care
Long-term care insurance helps cover the cost of care when you have a chronic illness, disability, or condition like Alzheimer’s - expenses that regular health insurance doesn’t cover. It can reimburse you for services received at home, in nursing homes, assisted living facilities, adult day care centers, or skilled nursing facilities. Since eligibility becomes harder with age or existing health issues, many people choose to secure coverage in their mid-50s to mid-60s as part of a smart, long-term financial strategy.
About Us
My mission is to use my experience and creativity to help simplify your financial decisions so you can focus on what matters most to you.
Luis Vélez - Founder
With over two decades of experience in architecture and as a financial specialist, I combine structured design thinking with personalized strategies to help professionals and families protect their income and build lasting wealth. At Income Protection By Design, my focus is on creating protected wealth strategies that provide security today and confidence for the future.
Your Questions, Answered
How do I know which type of life insurance is right for me?
During an initial consultation, we evaluate factors such as human life value, and long-term goals. We then explain the differences between term and whole coverage so you can make an informed decision.
Absolutely. Many policies offer conversion or rider options, and we schedule periodic reviews to ensure your protection keeps pace with life events like a new home, a growing family, or a business transition.
Can I adjust my coverage later on?
Do I need to commit to a premium payment during the application process?
No, there is no payment required during the application process. Once your application is submitted, it goes through an underwriting review, which can take several weeks. After the review is complete, the insurance company will provide an offer, and at that point, we can make any necessary adjustments to the policy before finalizing the premium amount. This approach gives you flexibility and allows you to decide how you’d like to proceed, no strings attached.
Let’s Bring Your Vision To Life
Ready to explore coverage that fits your future? Reach out for a complimentary consultation, and we’ll will walk you through tailored options, costs analysis, and next steps—no obligation, just clarity.