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Your Family Deserves Unbiased Financial Guidance.

As an independent insurance professional, I specialize in family protection, retirement income, long-term care, and disability insurance — shopping 30+ top-rated carriers to find the right fit for your life and budget. No quotas. No one-size-fits-all.

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✅ No pressure consultations
✅ Fiduciary-first approach
✅ 30+ top carriers
Get Your Free Financial Protection Score
  • Know exactly where your financial gaps are
  • Understand if you're over- or under-insured
  • Get a clear, jargon-free action plan
  • 100% free — no obligation to buy anything

🔒 Your info is private. We never sell or spam.

8+
Years Experience
30+
Top Carriers
500+
Families Helped
100%
Independent · Unbiased
The Problem

Most People Don't Know What They're Missing

The financial industry makes things confusing on purpose. Here's what we hear from clients every day:

"My agent only offered me one company's products — I didn't know I had other options."

"I thought I was covered, then my spouse passed away and found out our policy was barely enough."

"I had no idea a market crash could permanently reduce my retirement income like that."

"Nobody ever explained the difference between term, whole life, and IUL to me in plain English."

The Key Financial Difference

We start with education, not sales. Our job is to make sure you understand every option available to you — then help you choose the one that truly fits your life.

  • We're independent — we work for you, not an insurance company
  • We shop 30+ carriers to find the best rates for your situation
  • We follow an 8-step fiduciary process — your interest always comes first
  • We explain everything in plain English, no jargon
  • We build long-term relationships, not one-time transactions
  • Free consultations with zero obligation to purchase
8+
Years of
Experience
About Aria Keyoumarsi

My Mission Started From Personal Loss

When my family lost our home in the 2008 housing crisis, I didn't just lose a house — I gained a profound understanding of what financial vulnerability really looks like. That experience changed the direction of my life.

I spent years inside the industry learning how it worked — and how it didn't work for everyday families. I saw firsthand how captive agents, tied to one company, often couldn't give clients their best options. So I went independent.

Today, as an independent insurance professional with 8+ years of experience, I specialize in the four areas that matter most: life insurance and family protection, retirement income planning, long-term care, and disability insurance. My job is to make sure you and everyone you love are protected — no matter what life throws at you.

Life & Health Licensed Protection Specialist Nationally Licensed Independent Agent Fiduciary Approach 8-Step Planning Process
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What We Offer

Financial Solutions for Every Stage of Life

Our practice is built around four pillars: family protection, retirement income, long-term care, and disability insurance. These are the areas where the right plan makes the biggest difference in people's lives.

Family Protection & Life Insurance

Replace your income, pay off debt, and ensure your family's lifestyle is protected — no matter what happens to you.

Term Life Whole Life IUL Premium Finance
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Retirement Planning & Annuities

Create guaranteed income you can't outlive, protect your nest egg from market crashes, and retire on your terms.

Fixed Annuity Fixed Index Annuity MYGA 401(k) Rollover
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Long-Term Care Insurance

Protect your retirement savings from being wiped out by nursing home or home care costs — the average exceeds $90,000/year.

LTC Insurance Hybrid Life/LTC Annuity w/ Care Rider
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Disability Insurance

1 in 4 Americans become disabled before retirement. Protect your most valuable asset — your ability to earn income.

Short-Term Disability Long-Term Disability Own-Occupation Coverage
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Business Owner Solutions

Protect your business from losing a key person, fund buy-sell agreements, and design benefits that attract top talent.

Key Person Insurance Buy-Sell Agreements Executive Bonus Group Benefits
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Financial Education & Literacy

Understanding your options is the foundation of every good decision. We educate first — so you always know exactly why we recommend what we do.

Rule of 72 Risk vs. Guarantees Wealth Preservation
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Who We Serve

We Specialize in Three Types of Clients

Every client we work with falls into one of these categories — and each has very different needs. Here's how we approach each one.

Families & Individuals

You work hard to build a life for your family. One unexpected event shouldn't be able to take it all away. We help you build a financial safety net that actually works.

  • Income replacement if you pass away
  • Mortgage & debt protection
  • College funding strategies
  • Tax-advantaged wealth building

Pre-Retirees (Ages 50–65)

You've worked 30 years building wealth. Now the goal is keeping it, growing it safely, and turning it into reliable retirement income you can't outlive.

  • Guaranteed retirement income streams
  • Protection from market downturns
  • Long-term care planning
  • Social Security optimization

Business Owners

Your business is your biggest asset — but also your biggest liability if something goes wrong. We help you protect it, reward key people, and plan your eventual exit.

  • Buy-sell agreement funding
  • Key person life insurance
  • Executive compensation plans
  • Business continuity planning
How It Works

Simple, Clear, No Pressure

We follow a proven 4-step process that puts your education and understanding first — before any recommendation is ever made.

Free Discovery Call

30 minutes to understand your current situation, goals, and concerns — with zero obligation.

Financial Health Analysis

We map out your complete financial picture — assets, liabilities, income, protection gaps, and goals.

Shop the Market

We compare 30+ carriers to find the best coverage and rates that match your specific needs.

Ongoing Partnership

Your life changes — your coverage should too. We review your plan regularly to keep you protected.

Free Resource

The Financial Protection Checklist

Download our free guide — "7 Questions Every American Should Be Able to Answer" — and find out in 5 minutes whether your family, retirement, and business are truly protected.

  • 7 plain-English questions that reveal your financial gaps
  • Why each gap matters and what could go wrong
  • Simple action steps you can take immediately
  • Scoring system so you know exactly where you stand
  • No email required to download — completely free
Download Free Checklist →

Book a Free 30-Min Consultation

No pressure. No jargon. Just clarity on where you stand and what your options are.

🔒 Your information is completely private. We never sell or share your data.

Client Stories

What Our Clients Say

Real results from real families, pre-retirees, and business owners we've had the privilege to serve.

★★★★★
"Aria explained the difference between term and IUL in a way I actually understood. For the first time in 10 years, I feel confident that my family is protected. He never once pressured me — just educated me and let me decide."
Marcus R.
Father of 3 · Dallas, TX
★★★★★
"I was 58 and terrified my 401k wasn't enough. Aria walked me through a fixed index annuity strategy that guarantees I'll have income no matter how the market performs. I sleep better now."
Sandra L.
Pre-Retiree · Client
★★★★★
"As a small business owner, I didn't realize how vulnerable my business was without a buy-sell agreement. Aria built a complete plan for me and my partner — funded by life insurance — in less than 30 days."
Thomas K.
Business Owner · Houston, TX
Common Questions

Answers to What People Ask Most

We believe you should never feel confused or pressured. Here are the questions we hear most often.

What does "independent" mean and why does it matter?

A captive agent is only allowed to sell one company's products. An independent advisor like Aria works with 30+ carriers and recommends what's genuinely best for you — not what earns the highest commission.

How much does life insurance cost?

Much less than most people expect. A healthy 35-year-old can get $500,000 of 20-year term coverage for roughly $25-35/month. Permanent options vary more widely — we shop the market to find your best rate.

What is a fixed index annuity and is it right for me?

A fixed index annuity lets your money grow linked to a market index (like the S&P 500) but with a floor of 0% — so you never lose principal due to market crashes. It's popular with pre-retirees who want growth with protection.

Do I need long-term care insurance if I'm healthy?

Ironically, the best time to buy it is when you're healthy — premiums are far lower and you're more likely to qualify. 70% of Americans over 65 will need some form of long-term care in their lifetime.

Is the consultation truly free with no obligation?

Yes, completely. Our consultations are designed to educate you and help you understand your options. Many clients leave with valuable clarity even if they don't purchase anything. There is never any pressure.

How do I get started — what happens on the first call?

The first call is a relaxed 30-minute conversation. Aria will ask about your current situation, what's most important to you, and what concerns keep you up at night. You won't be pitched anything — the goal is simply to understand your needs and see if we're a good fit.

Take the First Step

Ready to Know Exactly Where You Stand?

A free 30-minute call is all it takes to get clarity on your financial protection, retirement plan, or business coverage. No jargon. No sales pressure. Just honest answers.

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