Some Useful Links for You to Get Started
Some Useful Links for You to Get Started
Without Dipp

With Dipp

Some Useful Links for You to Get Started

Some Useful Links for You to Get Started

Some Useful Links for You to Get Started

Some Useful Links for You to Get Started

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Application and
possible health exam

Our mission is to
safeguard your future

Some Useful Links for You to Get Started

WHO WE ARE

ABOUT OUR TEAM

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André M Scroggie

(English)

André worked as a Computer Engineer before leaving the field to go into Real Estate and mortgages. He then transitioned into insurance, first at a life insurance brokerage, then opening a State Farm office. After a year, André decided to work directly for the clients, working solely in their best interests to find the best fitting company/product for his clients’ needs by creating Neoterra Insurance Services, Inc. in 2013.

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Kevin Caballero

(English/Spanish)

Kevin Caballero spent over 7 years in technical and service industries before transitioning into financial services in 2018. He specializes in income protection, retirement planning, and legacy strategies, helping families safeguard assets and reduce tax exposure. Kevin is known for his analytical, client-focused approach to building long-term financial security.

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Agustin Bowdry

(English/Indonesian)

Agustin Bowdry has more than 10 years of experience and transitioned into financial services in 2013. As an agency owner, he specializes in life insurance solutions and income replacement strategies, helping individuals and families stay financially protected during critical life moments.

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Michael Lapuz

(English/Tagalog)

Michael Lapuz brings more than 10 years of professional experience and transitioned into financial services in 2014. He specializes in retirement planning, income protection, and tax-advantaged wealth strategies. Michael is committed to educating clients and helping them make informed decisions to achieve lasting financial stability.

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Sean Spengler

(English)

Sean Spengler has over 8 years of experience in financial services and began his career in the industry in 2016. He specializes in retirement planning, asset protection, and financial education, helping clients clearly understand their options and plan confidently for the future.

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Carolina Astrada

(English/Spanish)

Carolina Astrada spent over 15 years in top corporate environments before transitioning into financial services in 2011. She specializes in retirement planning and asset protection, helping clients preserve their savings and reduce exposure to market risk. Carolina is known for her client-focused approach and commitment to building long-term financial security.

HAVE ANY QUESTIONS?

FAQ’S

We like to ask our clients a few questions to determine if this is something you need.

  1. If something happened to you could you or your family cover your monthly bills?
  2. If you were injured would you be getting any federal or state support?
  3. Do you have sufficient savings to cover your expenses without an income?
  4. Are you willing to change your lifestyle to accommodate loss of income?

This is completely situational and exactly what we want to chat with you about. Everybody has different needs and different lifestyle expectations once an income is lost.

This is another dependent question, but we are able to get many covered for as low as $20 a month.

If you are considering protecting yourself then we imagine you have lots of questions. Let’s connect today so we can discuss your unique situation and how we can benefit you.