Paul MaldonadoLicensed insurance agent
📞 505-523-5119

Protect your family, your savings and your legacy.

Simple, honest help with life insurance, retirement, estate planning and debt — explained in plain English, so you can make the right choice for your family.

What can I help you with?

Life insuranceProtect the people who count on youStart here →AnnuitiesProtect savings, plan retirement incomeStart here →Estate planningA free 1-on-1 class for your familyStart here →Debt helpOne simpler monthly planStart here →
Paul MaldonadoPaul MaldonadoLicensed insurance agent · Albuquerque, NM
NM #20245906TX #3510087FL #G364079

"My job is to make this simple. Ask me anything — there's no cost and no pressure."

📱 Text LIFE to 833-398-0427📞 Call 505-523-5119
🛡️
Licensed agentNM · TX · FL
💬
Plain EnglishNo jargon, no pressure
📱
Text or callStart however you like
🤝
Free to talkNo cost, no obligation

Pick what fits

Here's how each one works

A quick, simple look at each service — what it is, who it helps, and how to get started. Tap the button on the one you want.

Life insurance

If your paycheck stopped, would your family be okay?

Life insurance pays money to the people you choose if you pass away, so they can keep the house, pay the bills and stay on their feet.

📍 Available in NM · TX · FL

The main kinds

Term lifeCovers you for a set number of years. Usually costs the least.
Whole lifeLasts your whole life and builds savings over time.
IULLifelong coverage with savings that can grow more when the market does well.
Children's IULLifelong coverage for a child or grandchild that builds savings as they grow.
Final expenseA smaller policy for funeral and end-of-life costs.
Mortgage protectionCoverage sized to help your family keep the home.

A good fit if you…

  • Have kids, a spouse or anyone who depends on your income
  • Have a mortgage or debts you wouldn't want to leave behind
  • Want to cover final costs so family isn't stuck with the bill
📱 Text LIFE to 833-398-0427Text one word — I'll take it from there.

IUL growth has a cap and a floor, and policy costs come out each year, so values can go down. A policy needs enough money kept in it to stay active.

Annuities & retirement

Protect what you've saved — and turn it into income.

An annuity is a contract with an insurance company. You put money in now, it can grow, and later it can pay you steady income in retirement.

📍 Available in NM · TX · FL

What's your goal?

🌱Grow my savingsWithout putting it in the stock market
💵Income I can't outliveA steady paycheck for the rest of my life
🔁Roll over a 401(k)Move an old 401(k) or IRA without cashing it out
🌳Roth IRAPut an annuity to work inside a Roth IRA
🔒Lock in a set rateOne set rate for several years
👨‍👩‍👧Leave money to familyPass savings on to the people I love
📱 Text RATE to 833-398-0427Tell me your goal — I'll show you the options that fit.

Annuities are insurance products, not bank deposits, and are not FDIC insured. Withdrawal limits and surrender charges may apply.

Free estate planning class

Learn how to protect your family — free, one on one.

In a free 1-on-1 class, I walk you through every piece of a proper estate plan in plain English, so you understand your options before you decide anything.

🎓 Free · by phone or video · anywhere in the US

What you'll learn

Living trustsWhat they are and how families use them to pass on a home and savings.
WillsWhat a will does, and what it doesn't.
ProbateWhat happens in court when there's no plan — and why families plan around it.
Power of attorneyWho can handle your money matters if you can't.
Health care directivesHow to put your medical wishes in writing.
BeneficiariesHow accounts and policies pass to the people you choose.

A good fit if you…

  • Own a home or have savings you want to pass on
  • Have kids or grandkids you want to protect
  • Don't have a plan yet, or haven't looked at it in years
📱 Text TRUST to book your free classNo cost and no obligation.

This class is for education only — all documents within your fully comprehensive estate plan are prepared by licensed attorneys.

Debt help

Tired of juggling payments? There may be a simpler way.

Debt consolidation can roll several debts into one plan, so there's one payment to track. I connect you with a trusted partner that reviews your options.

📍 Through our partner · varies by state

A good fit if you…

  • Have credit card or loan balances that feel hard to pay down
  • Are making several payments to different companies each month
  • Want a clear picture of your options before deciding anything

How it works

  • Tap the button to see if you qualify on our partner's website
  • Or call me first and I'll walk you through it
See if you qualify →📞 Call me first

"See if you qualify" opens our partner's website. Debt services are provided by an independent third party, not by Paul Maldonado. I am not a lender, and I may be compensated for referrals.

How it works

Getting started is easy

No appointments to drive to and no pressure. Most people start with a quick text.

1Text or callSend one word — LIFE, RATE or TRUST — or just call. That's it.
2See your optionsI lay out the choices side by side in plain English.
3You decideTake your time. There's no cost to talk and no obligation, ever.
🛡️ Life insurance
NMTXFL
📈 Annuities
NMTXFL
🎓 Estate planning class
Anywhere in the US
💳 Debt help
Through our partner

Questions people ask

Quick answers

Does it cost anything to talk with you?+

No. The first conversation is free, and there's no obligation to buy anything.

Can we do everything by text or phone?+

Yes. Most people start with a text. We can talk by phone or video too — whatever is easiest for you.

I'm not in New Mexico. Can you still help?+

Life insurance and annuities are available in New Mexico, Texas and Florida. The free estate planning class is available anywhere in the US, and debt help is available through our partner in many states.

Which one should I start with?+

Start with whatever is on your mind. Many families start with life insurance or the free estate planning class — I'll help you figure out what matters most first.

Have a question? Start with one text.

A 15-minute conversation, no cost and no obligation. I'll walk you through your options in plain English.

📱 Text LIFE to 833-398-0427📞 Call 505-523-5119

Paul Maldonado, licensed insurance agent · NM License #20245906 · TX License #3510087 · FL License #G364079 · NPN 20245906. Insurance products are offered only in states where the agent is licensed, through contracted insurance companies and marketing organizations.

Educational information only — not financial, tax or legal advice. Insurance and annuity products are issued by insurance companies; features, availability, eligibility and cost vary by company and state and are subject to underwriting. Annuities are not bank deposits and are not FDIC insured. Estate planning classes are for education only; all documents within a fully comprehensive estate plan are prepared by licensed attorneys. Debt services are provided by an independent third party; Paul Maldonado is not a lender and may be compensated for referrals.

Local life insurance guides: Albuquerque · Rio Rancho · Las Cruces · Farmington · Los Lunas

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