Sammy Miranda

Independent Insurance Agent

I help families, individuals, and business owners protect what matters most while building strategies that support long-term growth and stability. My goal is to give you more than just insurance — I help you create a financial foundation that provides confidence today and security for tomorrow.

From flexible life insurance with living benefits that protect you while you’re still alive, to retirement-focused annuities designed to create lasting income, every solution is tailored to your goals, priorities, and budget. Whether you’re safeguarding your family’s future, planning for retirement, or protecting your business, you’ll have a clear, personalized plan built around your unique needs.

Life@sammymiranda.com | (907)444-8560

NPN# 18736377

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We’re changing the conversation around life insurance. It’s not just about what happens after you’re gone — it’s about protecting your life today.

Trusted Carriers

I partner with the industry’s most respected and financially stable insurance companies, providing my clients with access to top-tier products and reliable service.

Life Insurance FAQs

What is Life Insurance and Why Do I Need It?

Life insurance is a contract between you and an insurance company that provides your loved ones with a lump-sum payment (death benefit) if you pass away. It’s designed to protect your family’s financial future by helping cover expenses like mortgage payments, debts, education, or everyday living costs. Without it, your loved ones may face financial hardship during an already difficult time.

What is Indexed Universal Life (IUL) Insurance?

An IUL is a type of permanent life insurance that not only offers a death benefit but also builds cash value. The cash value growth is tied to the performance of a stock market index (like the S&P 500), but your money is not directly invested in the market. This means you can benefit from market gains while having protection from losses with a guaranteed minimum interest rate. IULs are often used for long-term savings, retirement planning, and tax-advantaged wealth growth.

What are Living Benefits?

Living benefits let you access part of your life insurance death benefit while you’re still alive if you’re diagnosed with a qualifying illness, injury, or condition. These benefits can help cover:

  • Critical illness (heart attack, cancer, stroke)
  • Chronic illness (long-term care needs)
  • Terminal illness (end-of-life expenses)
    Living benefits can give you peace of mind knowing you have financial support during life’s unexpected challenges.

What are Annuities and How Do They Work?

An annuity is a financial product designed to provide you with guaranteed income for a set period or for life, often used for retirement planning. You make a lump-sum payment or a series of payments to an insurance company, and in return, they pay you income starting immediately or in the future. Annuities can offer:

  • Guaranteed lifetime income
  • Tax-deferred growth
  • Protection against outliving your money
    They come in different types, including fixed, indexed, and variable annuities, depending on your needs and risk tolerance.