ctarroyo

10/17/2026

Am I wrong for saying this..
I don’t believe so because my job as a life insurance agent isn’t to fluff you.. it’s to be real 💯.

WHO NEEDS LIFE INSURANCE? 🤔
because life insurance isn’t just for married people with children.

🏡 Do I need life insurance if I own a home or pay rent?

YES. If someone depends on your income to keep a roof over their head.

💍 Do I need life insurance if I’m married or engaged or have a long time relationship ?
YES. Especially if your spouse or partner relies on your income or you share financial responsibilities.

👶 Do I need life insurance if I have children?
YES. Your financial responsibilities don’t disappear if you do. They didn’t ask to come into this world.. remember that.

💼 Do business owners need life insurance?
YES. It can help protect business partners, cover certain debts, and fund business continuation plans and your income! It can be a tax write off as well!!!

👩‍👧 Do stay-at-home moms need life insurance?
YES. Childcare, cooking, cleaning, and running a household have REAL financial value.

❤️ Do single parents need life insurance?
YES. Especially when you’re the primary financial provider.

👨‍👩‍👧 Do I need life insurance if I help my parents or siblings financially?
YES. If your income helps support your family, who replaces that support if you’re gone?

🎓 Should I get life insurance in my 20s?
YES, it can be a smart move! Buying young and healthy may help you secure lower premiums for coverage that fits your future needs.

⚰️ Do I need life insurance if I don’t have dependents?
MAYBE. Ask yourself: Would my death create a financial burden for someone else?

THE REAL QUESTION ISN’T “AM I OLD ENOUGH TO NEED LIFE INSURANCE?”

It’s “WHO WOULD BE FINANCIALLY AFFECTED IF I WASN’T HERE TOMORROW or in the future?”

Life insurance isn’t one-size-fits-all. Not everyone needs the same amount, type, or even a policy right now.

But everyone deserves to understand their options before deciding they don’t need it.

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Your favorite life insurance agent

10/15/2026

I’m sorry 😵‍💫 what..

Sometimes I wonder if people hear themselves.. I always have to have them repeat themselves because I don’t believe what their saying…

So your a single parent…. You pay for everything? You don’t have life insurance?

And your choosing not to have it because you have to buy Christmas gifts? 🎁

Someone call CPS 😂😂 I’m JK..
but really? If you do it all for your kids..

Why don’t you have life insurance outside of work as a parent?

Curious..

What’s been delaying you from protecting your child’s future if life happened?

📌 Your favorite life insurance agent

10/15/2026

BABE… THAT’S EXACTLY THE PROBLEM. 😭😂

The longer you wait, the more your age can affect what you pay. And your health isn’t guaranteed to stay the same either. 👀

Stop waiting until you’re older to start thinking about your future.

Your future self might thank you. 👏🏼💚

📌 Your Favorite Life Insurance Agent

Rates shown are illustrative. Actual premiums vary by coverage, policy type, health, and other factors.

10/14/2026

Few examples..
because…

Everyone wants to know how much does life insurance cost, and how is your monthly payment calculated? 💰

☺️🤩Now do you understand when I say it’s better to start when you’re younger?

Life insurance companies don’t just pull a number out of thin air. Your price is based on the risk of insuring you and the coverage you choose.

📌 Here’s what determines your life insurance rate: 👇

🎂 AGE: The older you are when you apply, the more coverage generally costs.

❤️ HEALTH: Your medical history, height, weight, medications, and current health conditions affect your rate.

🚬 LIFESTYLE: Smoking, dangerous hobbies, and certain occupations can increase your cost… conviction history?

💰 COVERAGE AMOUNT: A $100,000 policy generally costs less than a $500,000 policy.

📋 POLICY TYPE: Term life insurance is generally cheaper initially than whole life insurance because it provides coverage for a specific period instead of your entire life.

⏳ COVERAGE LENGTH: A 30-year term policy typically costs more than a 10-year term policy for the same person and coverage amount.

🧠 Here’s what you need to understand:

Two people can apply for the SAME $250,000 life insurance policy and receive completely different prices.

Why? Because their ages, health, lifestyles, and risk classifications may be different.

And here’s the kicker…

You’ve been saying life insurance is too expensive without ever finding out YOUR price. 🤦‍♀️

Stop guessing. Get a life insurance quote and make an informed decision.

P.S LIFE INSURANCE THROUGH WORK IS NOT YOURS…

DM “POLICY” to get a quote 🔐

📌 Your favorite life insurance agent


Disclaimer: cost varies on policy type, coverage amount and qualifications. Also the company offering you coverage. This video is not guaranteeing the example shown or approval. This video is to be used for informational purposes only to demonstrate how life insurance costs vary based on age.

10/13/2026

Honestly 🤓 I don’t know which one is my favorite… 1-15???? Swipe ➡️

⚠️ Don’t be a Trick 👀 this spooky season..
you see what I did there 🤡.

LIFE INSURANCE ISN’T SCARY..
not having it is.

📌 Your favorite life insurance agent


The best life insurance memes I’ve ever created 🧡🧡🧡🧡

10/13/2026

I call that transition a smooth landing😂

My thoughts on California?
I actually love it here.

San Diego… I’m here for the week?
Anybody want to do content together????

I’ve got setting up my work space down to a science 🧪… 1 thing about me.. I need to be comfortable.

Any whoooo have a great day..
I’m in San Diego FOR work.. but who says I can’t mix the two🤍

10/12/2026

I left a man because of this..

If you want to find the ones with money…
Good luck. You don’t find them?

Here’s why..
They either inherited money or they created it…. And to be fair! GOOD FOR THEM EITHER WAY. They “lived below their means”… or their family used money for what it’s supposed to be used for: A TOOL.

The problem is NOBODY wants to be with anyone during their building stage? But that’s where you’re messing up…

📌Here’s the advice I was given ten years ago..& I want to pass it to you.

“Don’t be fooled by the clothes someone wears or the designer bag they carry. Pay attention to what’s INSIDE the bag… and how they walk.”

And I thought about that.

Because a $5,000 bag doesn’t mean there’s $5,000 in the bank.

A $100,000 car doesn’t mean someone has financial freedom.

And confidence doesn’t always mean competence.

Some people are dressed like success while financially surviving their own image.

But here’s the part people miss…

It’s not about how much money someone has.

It’s about their relationship with money, their priorities, their discipline, and the direction they’re moving.

Because wealth isn’t always visible. But habits? Eventually, they tell on everybody.

It’s okay to buy yourself what you want with your money… what’s not okay it’s to live in delusions of grandeur & sabotage your WHOLE future…

And looking back.. leaving that relationship was HARD.. but either one of us would have never had the life we have now.

We all want to be with someone who is financially “well off”… but the reality is everyone is in a different season..

One bad decision can change the course of your life..

Sometimes love comes first 💚then money is created and sometimes money comes first then love..

it’s ALL about what you WANT!

And if you have your own money 💰
CHILD.. pick what you want 😎…

Be the provider.. but if you think looking rich means theirs rich? Oooffff 💨

You will get caught up in the
“Snapshot” wasting YEARS of your life.

Stay alert 🔔 💋 because SUCCESS leaves clues

10/10/2026

WHO STARTED THE LIE that life insurance through work is supposed to be your MAIN coverage?! 😵‍💫

Y’ALL HAVE IT BACKWARDS.

🚩 Employer life insurance should SUPPLEMENT your personal life insurance, NOT replace it.

And just because a few dollars come out of your paycheck doesn’t mean you OWN that policy, FAM. 😭

Here’s what you need to know:

🚩 Your job isn’t guaranteed. Quit, get fired, or retire, and your coverage may end.

🚩 Your health isn’t guaranteed. Waiting could mean higher premiums or not qualifying for coverage later.

🚩 Your rate matters. Getting personal life insurance while you’re younger and healthier can help you secure better rates.

🚩 YOU CAN HAVE BOTH! Your personal policy stays with you as long as you maintain it, while your employer coverage provides additional protection.

Your job is part of your life. Your life insurance shouldn’t depend on your job.

The goal isn’t just to HAVE life insurance. It’s to have the RIGHT coverage when your family actually needs it.

📩 DM POLICY to review your coverage and options.

📌 Your favorite life insurance agent

10/09/2026