Protégez ce que vous avez construit et aimé.
Assurance vie, santé, biens, rentes et solutions complètes pour entreprises — avec une analyse financière alimentée par l'IA et des conseillers qui parlent votre langue.
2611 SW College Rd, Unit G, Ocala FL 34476
(352) 657-4216· info@panoramaifs.com
Toute la protection dont vous avez besoin, une relation de confiance
De la protection de votre famille à la sauvegarde de votre entreprise — accédez à plus de 40 assureurs notés A grâce à un seul conseiller qui travaille pour vous.
Protégez votre entreprise et récompensez votre équipe
Une couverture commerciale ainsi que les stratégies fiscalement avantageuses dont la plupart des dirigeants n'entendent jamais parler — homme clé, rachat, prime de dirigeant et régimes qualifiés.
24/7 AI agent that educates, analyzes & connects
Maya understands your needs, speaks your language, estimates premiums and connects you with a licensed advisor — all in real time.
Accès aux assureurs les mieux notés des États-Unis
Nous comparons plus de 40 assureurs notés A pour trouver votre meilleure couverture au prix le plus compétitif — indépendants, impartiaux, toujours dans votre intérêt.
A different kind of insurance partner
Independent, multilingual and AI-powered — built around your interests, not a single carrier's quota.
Independent & Unbiased
We work for you, not one carrier. We shop 40+ A-rated companies and present side-by-side options — never a single company's products.
Truly Multilingual
Advisors and our AI agent speak English, Spanish, Hindi, Gujarati, Punjabi, Telugu, French and Chinese — real help in your language.
AI-Powered Analysis
Our AI engine analyzes your profile in seconds and builds a prioritized strategy before you ever talk to a human.
Licensed in All 50 States
From Florida windstorm to nationwide business coverage, we're licensed everywhere you and your business operate.
No Cost to You
Our guidance, quotes and annual reviews are free. We're compensated by carriers — your price is the same either way.
24-Hour Response
Request a review and a licensed advisor contacts you within 24 hours, in your preferred language.
From question to coverage in four steps
No jargon, no pressure. A clear path from your first question to being fully protected.
Tell Us About You
Use our AI analyzer or talk to Maya. Share your age, family, goals and budget — it takes about 60 seconds.
Get a Personalized Strategy
Our engine builds a prioritized plan with recommended products and estimated costs, instantly and free.
We Shop 40+ Carriers
A licensed advisor compares A-rated carriers to find your best coverage and price — no bias, no pressure.
Enroll & Stay Covered
We handle underwriting and enrollment, then review your coverage every year as your life changes.
Build wealth that outlives the market
Tax-advantaged strategies for high earners, business owners and anyone who wants guaranteed income they can't outlive.
IUL — Indexed Universal Life
Market-linked cash value with a 0% floor. Capture gains without downside risk and take tax-free retirement income via policy loans — a powerful alternative to traditional accounts.
Fixed Indexed Annuities
Guaranteed income for life with upside participation in a market index. Principal protection, lifetime income riders and spousal continuation. Never outlive your money.
SEP-IRA & Solo 401(k)
Contribute up to $69,000/year (2024) as a self-employed individual. Tax-deductible contributions reduce taxable income today while building retirement wealth.
Defined Benefit Plans
Business owners over 50 can contribute $100K–$300K+ per year (tax-deductible) into a pension plan — the most powerful tax-reduction strategy available to owners.
Hypothetical illustration at 7% annual growth. Not a guarantee of future results.
Curious how an IUL or Defined Benefit plan could cut your taxes? Run a free analysis or talk to an advisor.
Explore retirement strategiesTrusted by families & business owners
Real outcomes from clients across the country — in the language they speak at home.
“Maya answered my questions about Medicare at 11pm on a Sunday, then a real advisor called me Monday and saved us $180 a month. The whole thing was in Spanish for my mom.”
“As a trucking company owner I needed commercial auto, GL and a key person policy. Panorama shopped six carriers and bundled it for less than my old single policy.”
“They set up a Solo 401(k) and an IUL for me. My CPA said it was one of the smartest tax moves I'd made in years. Fast, clear, no pressure.”
“We switched our small team from an expensive group plan to ICHRA. Predictable costs for us, and everyone got to keep their own doctors.”
Foire aux questions
Vous ne trouvez pas votre réponse ? Parlez à Maya ou appelez-nous directement — nous sommes ravis de vous aider.
No. Our guidance, quotes and annual reviews are free to you. As an independent agency we're compensated by the carriers, and your premium is the same whether you buy through us or directly.
Still curious? Ask Maya anything →
Prêt pour un bilan d'assurance gratuit et sans pression ?
Un conseiller agréé comparera plus de 40 assureurs et vous présentera vos meilleures options — dans votre langue, sous 24 heures.