Jose Garza - FEG - Life Insurance and Financial Solution Consultant

06/21/2026

🌿 A Short Story of How Life Insurance Began

Long before life insurance became an industry, it began as something much simpler — it was people taking care of each other.

🏺 In Ancient Egypt, workers along the Nile pooled a small part of their wages into a shared fund. If someone passed away, the group stepped in to cover burial costs and support the family for a time to ease the impact of lost wages.
It wasn’t a contract. It wasn’t a policy.
It was responsibility and mutual understanding organized out of empathy and duty to provide a sense of stability and protection.

🏛️ Centuries later in Ancient Rome, citizens within a community would form a collective fund known as "Collegia Funeraticia" — these were early burial clubs with written rules! Members paid small monthly dues, and in return, the club promised to cover funeral expenses and provide financial assistance to the surviving family for a length of time.
This became the first recorded, written system resembling life insurance.

📜 Then in 1583, London issued the first modern life insurance policy — complete with underwriting and legal language. For the first time, protection became a profession.

✨ The heart of the story?
Life insurance did not start as business, it started as folks protecting folks, communities taking care of each other, lifting each other up through difficult times. It started with people taking the initiative of choosing responsibility over inevitable uncertainty.

The same stewardship continues today. When you secure coverage for your loved ones, you’re continuing a tradition that has been a cornerstone of civilization for thousands of years — a tradition built on dignity, legacy, and responsible love.

If you’d like to explore how this age old tradition can support your family’s future, send me a DM and let's get started!

06/13/2026

Your 401k was never meant to be used as a primary retirement solution.

It’s wild to look back and realize how much retirement in America changed in just one generation.

In the early 1980s, companies began shifting away from traditional pensions — the kind that guaranteed workers a lifetime income. Instead, employers started adopting the 401(k) as a cheaper alternative. And that shift changed everything.

Here are the 2 main points everyone should know:

- 401(k)s weren’t originally designed to replace pensions — but companies quickly realized they were far less expensive.

- By the mid‑1980s, employers began phasing out pensions and offering 401(k)s instead.

This moved retirement risk from companies to workers — investment risk, longevity risk, and savings responsibility all shifted to employees.

By the late 1990s, 401(k)s had overtaken pensions entirely, becoming the dominant retirement plan in America.

Today, most workers rely on 401(k)s, even though they were never meant to be the primary retirement system.

If you’ve ever wondered why retirement feels harder today than it did for your parents or grandparents… this is a big part of the story.

We help put your money back on track to ensure it grows for you and only you. DM "I'm Ready!" today to get started.

06/07/2026

My first generative AI ad! Tell me what you think!
https://app.heygen.com/videos/a-duty-of-love-wise-planning-for-family-030bfe3f33974e928bc66cd1b3057cb7?fbclid=IwY2xjawSRoO1leHRuA2FlbQIxMQBzcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEeRq0vapeQw62a5yibJd4eJahwvEtNWVPdKJbgK7voirJrLM_xEmtxIz7X6Fk_aem_UaNLCaMji04hb6X8JRczeg

Discover the power of thoughtful preparation for your loved ones. Join me in creating a meaningful legacy through life insurance and annuity planning—because love is expressed through stewardship.

06/06/2026

If you have a family or loved ones who depend on you — emotionally, financially, or simply for the stability you bring into their lives — then choosing a life insurance policy or annuity plan isn’t just another bill. It’s a duty of love. It’s one of the quiet, powerful ways we protect the people God has entrusted to us.

Think of it like preparing a delicious family dinner. It takes time. It takes intention. It takes heart. But when everyone finally gathers around the table, sharing warmth, comfort, and peace, you realize the preparation was worth every moment. That same fulfillment is what wise planning brings to your family’s future.

Scripture reminds us of this responsibility:

Proverbs 13:22 — “A good man leaves an inheritance to his children’s children.”
That inheritance is more than money. It’s peace of mind. It’s ensuring that when your journey ends, your loved ones aren’t left carrying debts, burdens, or confusion. It’s lifting weight off the next generation, not placing it on their shoulders.

And again:

Proverbs 21:5 — “The plans of the diligent lead surely to abundance…”
Life can change in an instant — health can fail, accidents can happen, and storms can arrive without warning. Planning ahead isn’t fear; it’s stewardship. It’s love expressed through preparation. It’s choosing to shield your family from ruin long before danger ever appears.

We are all assigned souls to steward — to guide, protect, and nurture into strong, good people. And the most powerful lessons we teach are the ones we live. When we plan, prepare, and lead with wisdom, our families see it… and they follow.

So let’s take that first step together.

Contact me today — and let’s start setting the table for the most meaningful “dinner” your family will ever receive: a future filled with peace, protection, and God‑honoring stewardship.

06/05/2026

Worth sharing! Please read!

Stop following the 4% rule. It was created in 1994 by a financial planner running spreadsheets on baby boomer clients. He did not know you. He did not know your family. He did not know your goals. And yet his formula is being applied to your retirement. Here is how we got to the 4% rule. William Ben...

06/04/2026

❤️ A Heartfelt Message for our Dearly Departed
The hardest part of this life is saying goodbye to someone we hold dear. No matter how strong we are, losing a loved one leaves an ache that words can’t fully mend. It’s an experience every one of us will face, and it changes us — softens us, humbles us, and reminds us of what truly matters.

Yet even in our grief, there is beauty.
A life well‑lived deserves to be remembered with love, with stories shared, with laughter through tears, and with gratitude for the lessons they left behind.

Mourning should be a time of peace, reflection, and togetherness — not a time of financial worry.

But too often, families find themselves turning a funeral into a fundraiser, scrambling to cover final expenses at the very moment their hearts are already burdened emotionally. This burden was never meant to fall our children's grieving shoulders.

The Bible reminds us:
“Let all that you do be done in love.” — 1 Corinthians 16:14
Love includes preparing in a way that protects our families from unnecessary hardship.

And again:
“A good person leaves an inheritance for their children’s children.” — Proverbs 13:22
That inheritance isn’t only money — it’s allowing peace, dignity, and the gift of closure to enter their hearts and minds.

A Final Expense policy is one of the simplest, most loving acts of stewardship we can offer our loved ones. It ensures that when your time comes, your family can focus on honoring your memory — and not worry about how to pay for it.

No stress. No scrambling. No burden passed down.

Just love, remembrance, and peace of mind. Because your family deserves that, and so do you.

DM me for more information!

TX Lic. 2690556 — NPN 19972542

06/02/2026

Lately, I’ve been seeing a wave of posts and videos about life insurance and annuities that seem designed to do one thing — scare people. It reminds me a lot of The Boy Who Cried Wolf: shout loud enough, scare the village often enough, and eventually folks stop trusting anything… even the truth that could protect them.

The same thing is happening in our industry. A handful of loud voices throw shade, spread half‑truths, and stir confusion, hoping their scare tactics will direct enough prospects over to them. In reality, it only creates more disenchantment and animosity on our industry that keeps you from making the 2nd most important decision of your life aside from buying a home. Keep in mind that fear never built a retirement account, funded a legacy, or protected a family.

Here’s the undeniable truth:

If you ever doubt the legitimacy of a firm or an agent, look them up. Every licensed professional is listed in their state’s Department of Insurance directory with a State License ID and National Producer Number (NPN). You can also see their affiliated carriers — so you know exactly who they represent and what products they’re authorized to offer.

We live in a digital age. Nothing needs to hide in the shadows. A few minutes of researching clears away more fog than a hundred online “experts” ever will.

As for me, I proudly represent Fidelity & Guaranty (F&G), Corebridge Financial, and National Life Group — companies known for products that help people grow and protect their money without gambling their future:

- National Life Group stands as one of America’s oldest and most resilient life insurance institutions, founded in 1848 and serving families for more than 175 years.

- Fidelity & Guaranty (F&G) is a forward‑thinking leader in life insurance and annuities, strengthened by a strategic partnership with Blackstone‑backed reinsurance capital.

- Corebridge Financial carries forward the scale, expertise, and reputation of its predecessor, AIG Retirement Services, now operating as one of the largest and most established providers of retirement and insurance solutions in the United States.

No tricks. No fear tactics. Just real financial firms with real tools to help families move forward toward financial independence; regardless of income.

Don't go broke trying to save your money the traditional way through 401k's and IRA's. I will guide you to confidently choose the right financial plan or plan bundle that will fulfill all of your financial goals! You will finally be able to enjoy your retirement instead of worrying how to pay for it.

Don’t let someone else’s uncertainty or fear mongering keep you from gaining the foothold you need to build a stable financial base to serve you and your family. Let's get started!

TX Ins. Lic. 2690556 — NPN 19972542

05/30/2026

CONGRATULATIONS!
You did it — years of hard work, late‑night study sessions, and determination have finally paid off. As you step into this next chapter, there’s one powerful advantage you have that no one can ever give back once it’s gone:

✨ Time.
And time is exactly what makes starting an Indexed Universal Life (IUL) or Fixed Indexed Annuity (FIA) right after graduation such a game‑changing move.

🌱 Why Graduates Have the Biggest Advantage
Lower premiums — Starting young means locking in the lowest rates you’ll ever see in your lifetime.

More time for compound interest to do its thing — Your money has decades to grow with market‑linked potential and downside protection.

Tax‑advantaged growth — Build wealth in a way that keeps money in your pocket for the long‑term.

Living benefits — Don't get saddled with a bank loan. Access funds for emergencies, sudden opportunities, or major life events.

A financial foundation — Start adulthood with a plan instead of winging it on a hope and a prayer.

🚀 Your Degree Opens Doors — Let Your Money Do the Same
Whether you’re starting a new job, launching a business, or still figuring things out, setting up an IUL or FIA now can give you a financial head start that most people realize far too late later in life.

Your future self will thank you!

If you’d like a simple breakdown of which option fits your goals, DM me for a free overview summary of how to reach your short-term and long-term financial goals.

We're ready when you are — and congratulations again, graduates. Your journey has just begun! 🎉