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Building Wealth Starts with Education. Together, We Can Create a Stronger Future for Our Families.

Let’s Talk About The Principles Of Building And Protecting Wealth.

Earn Money

Save Money

Secure and Protect Your Family

Financial Growth

Manage Debt

The Tesoros Difference

At Tesoros, we are committed to helping families build a foundation for financial success and security. Our mission is to provide life insurance solutions that not only protect what matters most but also empower families with the knowledge they need to grow wealth.

We understand that many families weren’t taught the importance of life insurance, investing, or budgeting, which is why we take a personalized approach to educating and guiding our clients. Our goal is to make financial stability accessible to everyone, helping you create a legacy that lasts for generations.

A Community Committed to Learning and Growing Together

At Tesoros, you’ll find a supportive community of individuals and families committed to financial education, growth, and empowerment. We’re here to help you understand your finances, plan for your future, and protect your family’s legacy.

Financial Literacy and Tools to Empower You

Access educational resources, workshops, and expert advice on everything from budgeting and saving to investing and retirement planning. Our mission is to equip you with the knowledge you need to take control of your financial journey.

Community Support and Connections

Join a network of like-minded individuals who are committed to uplifting each other. Through group discussions, educational events, and expert consultations, you’ll gain the support you need to build lasting wealth for yourself and future generations

Exclusive Wealth-Building Experience

Financial security isn’t just about knowledge—it’s about access to the best strategies, guidance, and tools. Tesoros offers a premium experience tailored to high achievers and legacy builders. From expert-led workshops to exclusive resources, we provide a high-touch, results-driven approach to help you make the smartest financial decisions for yourself and future generations.

Real Stories, Real Impact

Financial transformations and community-driven success stories.

Tesoros helped me understand my financial situation and gave me the tools I needed to build a better future for my family. The life insurance was an important piece of the puzzle, but it was the education and community support that made all the difference.

★★★★★

Before I joined Tesoros, I felt overwhelmed by finances. Now, I’m not only saving and planning for the future, but I’m also helping my friends and family learn about managing money. This is a community effort!

★★★★★

Questions?

Let’s Get Into it.

Community Questions

Life Insurance 101

Community Questions

What is the Tesoros community?

The Tesoros community is a group of like-minded individuals and families committed to learning, growing, and supporting each other on the journey to financial empowerment. We provide a space where members can access financial education, connect with experts, and take actionable steps toward building generational wealth.

How can I join the Tesoros community?

Joining the Tesoros community is easy! Simply sign up on our website to access free financial education resources, workshops, and exclusive content. Whether you’re new to financial literacy or looking to build on your knowledge, we welcome anyone ready to take control of their financial future.

Is there a cost to be part of the community?

The core of the Tesoros community is free—including educational articles, webinars, and community discussions. However, we also offer premium resources such as personalized financial consultations, in-depth workshops, and coaching sessions, which are available for a modest fee. These offerings provide deeper, tailored guidance to help you apply financial strategies in a way that fits your unique situation.

How does Tesoros help members build financial literacy?

At Tesoros, we provide high-quality financial education through:

Workshops & Webinars on budgeting, saving, investing, and retirement planning.
E-books & Interactive Resources to help you apply financial principles to your everyday life.
Q&A sessions with financial experts where you can ask questions and receive guidance.  For those looking for more structured learning, we also offer premium courses and coaching programs designed to provide step-by-step financial strategies.

Can I get financial advice from Tesoros?

Yes! While our free community offers valuable educational content, we also provide one-on-one consultations, group coaching, and expert-led financial planning sessions for those seeking personalized advice. These services are available at a modest fee and provide tailored guidance on life insurance, savings, debt management, and wealth-building strategies.

What makes the Tesoros community different from other financial resources?

Unlike many financial platforms, Tesoros is built on community, education, and empowerment. We believe that financial literacy is best learned together, and our focus extends beyond life insurance to holistic financial planning and generational wealth-building. Our services are culturally relevant, accessible, and designed specifically for families looking to create long-term financial security.

Can I connect with other members of the Tesoros community?

Absolutely! We encourage members to join discussion groups, attend live webinars, and participate in interactive workshops where they can share experiences, ask questions, and learn from others on a similar financial journey. Our network fosters a sense of accountability and support that helps you stay on track with your financial goals.

How do I get personalized financial advice within the community?

For those looking for personalized guidance, we offer:

One-on-One Consultations – Book a session with a financial expert for tailored advice.
Premium Workshops & Courses – Deep-dive sessions on building wealth, investing, and financial planning.
Coaching & Accountability Programs – Ongoing support to help you implement financial strategies effectively.  These services are available at affordable rates, ensuring that financial coaching is accessible to those who need it most.

How can I support others in the Tesoros community?

At Tesoros, we believe that everyone has something valuable to contribute. You can support others by:

Participating in discussions and sharing your experiences.
Inviting family and friends to join the community.
Engaging in peer-led mentorship and group learning opportunities.
Referring others to our premium services, which help sustain the community and expand financial education to more families.

How does Tesoros support long-term financial growth for families and communities?

Tesoros is committed to helping families achieve financial independence and build generational wealth by providing:

Continuous learning opportunities through education, coaching, and financial planning services.
Access to financial experts and personalized advice to guide you through key financial decisions.
Tools to protect and grow wealth, including life insurance, investment strategies, and savings plans.
A long-term financial roadmap, empowering you to create a legacy of financial security for future generations.

At Tesoros, we believe that financial freedom is a journey—and we are here to guide you every step of the way.

Life Insurance 101

When is the right time to purchase life insurance?

Just like any financial decision, there’s no one-size-fits-all answer—it all depends on your individual circumstances. Typically, the cost of life insurance rises the longer you delay purchasing it. In most cases, the younger and healthier you are when you apply, the more affordable your rate will be. If you're approved and purchase a policy through Bestow, your rate will remain fixed for the duration of the policy. As long as you maintain the policy, your premiums won’t increase.

Who should buy life insurance?

If your income or support is essential to your spouse, children, or aging parents, you may need life insurance. Even non-breadwinners, like stay-at-home parents, contribute significantly. Consider the cost of replacing those responsibilities. For breadwinners, a personal life insurance policy offers extra protection that stays with you, even if you change jobs.

What is term life insurance?

Term life insurance provides coverage for a set period (the 'term'). Bestow offers terms ranging from 10 to 30 years, in 5-year increments. You’ll pay a monthly premium (starting at around $10/month with Bestow), and if you pass away during the term, your selected beneficiary—such as your spouse—receives the full coverage amount, typically tax-free.

Is life insurance through my employer enough?

Maybe. While having life insurance through your employer is a good start, there are some drawbacks. If you leave your job or the company shuts down, you could lose your coverage altogether. And even if you’re able to keep the policy, the premiums are often much higher. Plus, employer-provided insurance typically only covers 1-2 times your salary, which might fall short of what your family really needs to stay financially secure.

What is the difference between Term Life Insurance and Whole Life Insurance?

Term life insurance covers you for a set period, paying out only if you pass away during that time. It’s ideal when you need temporary coverage, like until your kids finish school or your mortgage is paid off.

Permanent life insurance, on the other hand, offers lifelong protection, as long as you continue paying premiums. It also builds cash value over time.

The best choice depends on your situation and goals, and in some cases, a mix of term and permanent policies may be the most beneficial.

What is Life Insurance Underwriting?

Life insurance underwriting is the process an insurer uses to determine the cost of your premiums. For life insurance, the company assesses the likelihood of you passing away before the policy ends. The underwriter, who represents the insurance company, reviews your health, lifestyle, and medical history to evaluate your overall health and estimate your life expectancy for insurance purposes.

What’s the underwriting process like?

Once your life insurance application is approved, you’ll need to complete a phone interview and a paramedical exam. This free mini-checkup, conducted by a nurse from an exam company hired by the insurer, typically takes place at your home and includes measuring your height and weight, blood pressure, and collecting urine and blood samples. The underwriter will look for any concerning results, such as high blood pressure or evidence of drug use.

Your health history is shared among insurance carriers through the Medical Information Bureau (MIB). The underwriter checks for inconsistencies or signs of fraud in your paperwork, as well as any prescriptions you've filled in the past 5-7 years. Additionally, they review your driving history to assess your risk level; individuals with traffic violations or a history of accidents may face higher premiums.

The underwriter compiles all this information to evaluate your risk and assign an insurance classification (standard, preferred, etc.), which will determine your premium costs. After reviewing everything, your licensed agent will communicate the final decision, allowing you to make the necessary choices regarding your policy. While it can be unsettling to have your medical records examined, this process helps insurers gauge risk and set appropriate rates. Ensure you provide accurate information and cooperate fully with the process.

What types of death does insurance cover?

Life insurance typically provides a death benefit to your beneficiaries for a wide range of causes. Coverage generally includes deaths resulting from illness, suicide after the contestability period, most accidents, and natural causes.

What types of death does life insurance not cover?

If you deliberately provide false information on your life insurance application, are killed by the person designated as your beneficiary, or die while engaging in activities excluded by your policy, your beneficiary will not receive any payout from the life insurance.

Is a medical exam mandatory?

Not always. Some life insurance options are available without requiring a medical exam. However, these policies are usually more costly because they bypass a crucial step in the underwriting process that insurers use to assess your life expectancy. That said, several companies offer these policies without increasing the premium for choosing to forgo the exam.