Icon-instagram-1 Linkedin-in X-twitter Youtube
Get Started
Jorge Soba!

Life and Health insurance advisor

Founder of Empowered Insurance

I’m Jorge Soba, the founder of Empowered Insurance, and I bring over a decade of experience in the insurance industry.
Get Started Today
About Us

Welcome to Empowered Insurance

Empowered Insurance was founded with a clear mission: to educate, enrich, and empower our clients. We believe that informed decisions lead to better financial security, and we take pride in helping individuals and families navigate the complex world of insurance. Through our partnerships with 10+ leading carriers , we offer tailored solutions in health insurance, life insurance, and retirement planning —ensuring that every client has access to the best coverage for their unique needs.
Get Started Today
0 K+

Clients

With their health insurance needs.
0 K+

Individuals

Secure life insurance coverage.
0 K+

Clients

In building 6 figure cash accumulation plans.
Products We Offer

Choose the right coverage

At Empowered Insurance, we’re not just selling policies — we’re building financial confidence and long-term security for our clients. Let’s take the next step together.

Health Insurance

  • Low to no deductible options.
  • Nationwide PPO Networks.
  • Coverage that pays from day 1.
  • Commercial carriers you know!
15 min Consultation
Month to Month Options

Life Insurance

  • Term and Whole life options.
  • Living Benefits.
  • Fixed Interest Cash Account.
  • Mortgage Protection Options.
15 min Consultation
Month to Month Options

IUL / Retirement

  • Tax Free Cash Accumulation Accounts.
  • Income Protection Benefits.
  • Tax Free Death Benefits.
  • National AVG Returns of 10% to 12%.
15 min Consultation
Month to Month Options
Why Us

Secure Your Life with Empowered Insurance

In 2024 we partnered as a subsidiary of Insurance Elevated giving us more opportunity to service our clients with exclusive access to more products to save our clients money and create wealth for future generations to come.
Get Started Today
Partners

Our Providers

Testimonials

What People are saying

"Jorge is the most genuine advisor. We have been looking for a honest insurance agent and its so hard to find in this industry, we are grateful Jorge!"
Kacey & Mark Hull
Kacey & Mark HullClient
"Thank you Jorge! Employer health insurance went up to 600 a month. Jorge saved me $182 a month, you're the best."
Ashlynn Martinez
Ashlynn MartinezClient
"My last agent set me up on a whole life policy and told me it was the best for my family. Jorge explained how an IUL can help me leverage money tax free. Thank you for setting my IUL up."
Christopher Johns
Christopher JohnsClient
FAQ's

Frequently Asked Questions

An Indexed Universal Life (IUL) insurance policy is a type of permanent life insurance that offers both a death benefit and a cash value component, which grows based on the performance of a stock market index like the S&P 500. Unlike traditional whole life insurance, IUL policies allow policyholders to adjust premiums and death benefits while benefiting from potential market gains with downside protection. This flexibility makes IULs a popular option for individuals looking for both life insurance coverage and a tax-advantaged way to grow their wealth.

Yes, an Indexed Universal Life (IUL) policy offers flexible premiums, allowing you to start with a lower amount and increase your payments later. As long as you cover the minimum required to keep the policy active, you can contribute more over time to grow the cash value.

Yes, an Indexed Universal Life (IUL) policy can provide tax-free benefits if structured correctly. The cash value grows tax-deferred, and you can access it tax-free through policy loans, as long as the policy remains in force. Additionally, the death benefit is generally paid out to beneficiaries tax-free, making it a valuable tool for wealth transfer and financial planning.
The average interest return on an Indexed Universal Life (IUL) policy typically ranges between 8% and 12% per year, depending on the index performance, cap rates, participation rates, and policy fees. While IULs benefit from market growth, they also have a cap rate (limiting maximum gains) and a floor rate (often 0% or 1%) to protect against losses.
The main difference between a PPO (Preferred Provider Organization) and an HMO (Health Maintenance Organization) is flexibility and cost. A PPO allows you to see any doctor, including specialists, without a referral and offers out-of-network coverage, but typically has higher premiums and out-of-pocket costs. An HMO requires you to choose a primary care physician (PCP), get referrals for specialists, and stay within a network of doctors, offering lower premiums and costs but less flexibility in provider choice.
You can typically switch health insurance mid-year only if you qualify for as many commercial carriers offer new plans and revised options for individuals with qualifying events.
The main difference between term and permanent life insurance is coverage length and cash value. Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and pays a death benefit only if the insured passes away during that time, making it more affordable but temporary. Permanent life insurance, such as Whole Life or Indexed Universal Life (IUL), lasts a lifetime, builds cash value over time, and can be used for loans or withdrawals.
FAQ's

Frequently Asked Questions

An Indexed Universal Life (IUL) insurance policy is a type of permanent life insurance that offers both a death benefit and a cash value component, which grows based on the performance of a stock market index like the S&P 500. Unlike traditional whole life insurance, IUL policies allow policyholders to adjust premiums and death benefits while benefiting from potential market gains with downside protection. This flexibility makes IULs a popular option for individuals looking for both life insurance coverage and a tax-advantaged way to grow their wealth.

Yes, an Indexed Universal Life (IUL) policy offers flexible premiums, allowing you to start with a lower amount and increase your payments later. As long as you cover the minimum required to keep the policy active, you can contribute more over time to grow the cash value.

Yes, an Indexed Universal Life (IUL) policy can provide tax-free benefits if structured correctly. The cash value grows tax-deferred, and you can access it tax-free through policy loans, as long as the policy remains in force. Additionally, the death benefit is generally paid out to beneficiaries tax-free, making it a valuable tool for wealth transfer and financial planning.
The average interest return on an Indexed Universal Life (IUL) policy typically ranges between 8% and 12% per year, depending on the index performance, cap rates, participation rates, and policy fees. While IULs benefit from market growth, they also have a cap rate (limiting maximum gains) and a floor rate (often 0% or 1%) to protect against losses.
The main difference between a PPO (Preferred Provider Organization) and an HMO (Health Maintenance Organization) is flexibility and cost. A PPO allows you to see any doctor, including specialists, without a referral and offers out-of-network coverage, but typically has higher premiums and out-of-pocket costs. An HMO requires you to choose a primary care physician (PCP), get referrals for specialists, and stay within a network of doctors, offering lower premiums and costs but less flexibility in provider choice.
You can typically switch health insurance mid-year only if you qualify for as many commercial carriers offer new plans and revised options for individuals with qualifying events.
The main difference between term and permanent life insurance is coverage length and cash value. Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and pays a death benefit only if the insured passes away during that time, making it more affordable but temporary. Permanent life insurance, such as Whole Life or Indexed Universal Life (IUL), lasts a lifetime, builds cash value over time, and can be used for loans or withdrawals.
Stay Connected

Schedule your Consultation

Jorge Soba, Founder of Empowered Insurance, Partner of Insurance Elevated.
Get Started Today