Empowering your global journey — from education to career to financial security.
Featured Plans
Health Insurance
We offer Student Health Insurance plans that meet school requirements, covering daily medical care and emergencies. In addition, we provide local health insurance plans for individuals and families in the U.S., including outpatient visits, hospitalization, prescription drugs, and major medical coverage—ensuring peace of mind and protection.
Index Universal Life - IUL
Index Universal Life (IUL) is more than just life insurance—it is a powerful tool that combines protection and wealth accumulation. With flexible premium payments and tax-advantaged growth, IUL provides long-term security for families while serving as an effective solution for education funding, retirement planning, and wealth transfer. Policyholders can benefit from cash value growth linked to market indexes, without direct exposure to market downturns, ensuring both financial protection and future prosperity.
Retirement Annuities
Retirement annuities are designed to provide a steady and reliable income stream during retirement. By making a lump-sum or periodic contribution, individuals can secure guaranteed cash flow after retirement, helping to mitigate longevity risk and protect against market volatility. Retirement annuities not only ensure financial independence, but can also be combined with other tools like IUL to build a diversified retirement plan—so you can enjoy peace of mind and a worry-free retirement lifestyle.
Life Insurance
Life insurance is more than just a financial safety net—it is also a vital tool for long-term wealth and responsibility planning. In the event of unforeseen circumstances, it provides financial support to protect your family’s lifestyle. Beyond protection, life insurance can be structured with investment features to help fund education, retirement savings, and legacy planning. Whether you are starting a family, advancing your career, or preparing for the future, life insurance ensures security and financial independence for you and your loved ones.
Why Choose Us
Our Core Advantages
Licensed & Professional Advisors
Our Core Advantages
At INSIGHTACE Insurance & Financial, we understand that choosing the right insurance and financial solutions in the U.S. can be overwhelming — especially for international families, new residents, and local professionals. Our mission is to provide transparent, compliant, and tailored strategies that go beyond selling a product. We build long-term partnerships that grow with you.
Tailored Solutions
Licensed & Professional Advisors
Our Core Advantages
We never push a single product. Instead, we carefully analyze your goals — whether it’s education funding, retirement planning, wealth transfer, or health coverage — and design the right combination of IUL (Index Universal Life), life insurance, annuities, and medical plans to fit your unique needs.
Licensed & Professional Advisors
Licensed & Professional Advisors
Bilingual, Culturally Aware Service
Our team consists of licensed insurance and financial professionals who are fully compliant with U.S. regulations. We provide clear explanations of policies, tax implications, and financial strategies, ensuring that you understand every step before making a decision.
Bilingual, Culturally Aware Service
Bilingual, Culturally Aware Service
Bilingual, Culturally Aware Service
We specialize in serving a diverse community, from international students and families to U.S. citizens and business owners. With bilingual English–Chinese support, we bridge cultural gaps and make complex financial topics easy to understand.
Transparency & Trust
Bilingual, Culturally Aware Service
Our Commitment to Clients
No hidden fees. No confusing jargon. Every policy and plan comes with a clear breakdown of benefits, costs, and potential outcomes, allowing you to make informed, confident decisions for your future.
Our Commitment to Clients
Bilingual, Culturally Aware Service
Our Commitment to Clients
- Customized solutions — never one-size-fits-all.
- Full compliance and transparency in every plan.
- A long-term partnership, not a one-time transaction.
- Bilingual communication that truly understands your needs.