Protection, Curated

Health & Life Insurance

The right coverage is only half the story. The other half is having someone in your corner when you need to use it. We provide both.

Review Your Coverage

Two Licensed Divisions

International Reach, Local Expertise

One relationship gives your family access to both worlds — international coverage for world-class care abroad, and locally licensed protection at home.

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Circle Care Assurance LLC

United States · International Division

International insurance plans are available exclusively to clients residing outside the United States.

International health insurance placement
International life insurance placement
Health advisory and case coordination
Claims advocacy with international carriers

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Opciones en Seguros S.A.

Guatemala · Locally Licensed Division

Local Guatemalan health insurance
Local life insurance planning
Family protection strategies
Corporate employee benefits

Couple meeting with their insurance advisor

Health Insurance

A Broker That Stays After the Sale

Most brokers disappear after the policy is signed. That is precisely when our work begins.

Plan placement — international and local health plans matched to how and where your family actually lives.
Claims & reimbursements — submissions prepared, tracked, and escalated when delayed or denied.
Pre-authorizations & Guarantees of Payment — coordinated directly with insurer and hospital before treatment.
Hospital billing resolution — billing queries questioned and resolved on your behalf.
Renewals & rate negotiation — policy administration handled year after year.

Our Service Commitment

Service Request	Target Response
General inquiry	Same business day
Claim assistance	Within 24 business hours
Pre-authorization support	Same business day
Urgent & complex medical case	Immediate escalation

Life Insurance

Protection That Outlasts You

For families whose wealth, businesses, and responsibilities span generations and borders, life insurance is a cornerstone of protection planning.

International life insurance placement through our U.S. division.
Local life insurance planning through our licensed Guatemalan division.
Family protection strategies built around your structure — spouses, children, and dependents.
Ongoing policy management — premiums, renewals, and documentation handled by our team.

Discuss Life Coverage

For Companies

Corporate & Group Benefits

We design and administer employee benefit programs for businesses in Guatemala and the region — combining group health coverage with the same hands-on claims advocacy our private clients receive.

Group health plans structured for your workforce and leadership.
Policy compliance review — we read the fine print so your people are actually covered.
Dedicated claims support for every insured employee and family member.

Talk to Us About Your Company

Is Your Family Properly Protected?

Bring us your current policies. We will review them honestly and tell you where you stand.

Request a Coverage Review