“Vita Clarus. Financial clarity. Real protection.”

Vita Clarus empowers Latino families and entrepreneurs with Infinite Banking strategies, life insurance solutions, and business protection tools like Key Person Insurance—no SSN required in many cases, depending on the carrier.

Personalized financial protection for Latino families, anywhere in the U.S.

We specialize in helping Hispanic individuals and families across the U.S. protect their future with culturally relevant insurance and financial strategies — including tailored solutions for those retiring in Mexico. Our mission is to provide clarity, trust, and long-term guidance that aligns with your values, your culture, and your life goals.

Insurance Solutions

Infinite Banking & Wealth Growth

Leverage life insurance to create your own private bank and grow wealth while preserving family values.

Tailored Life & Health Plans

Tailored Life & Health Plans
Protect your loved ones with guidance in Spanish or English — even without a SSN.

Key Person Strategies

We work with you to design tailored solutions that fit your business structure, including:

-Executive retention and reward plans.
-Loan or investor protection
-Business continuity funding
-Succession planning support
-Cross-purchase and buy-sell strategy coordination
-Tax-advantaged

Whether you run a family-owned business or a growing company, we’ll help you build a financial safety net around the people you can’t afford to lose. (No Social Security Number required in some cases).

Meet Miguel Sepulveda

Your Trusted Financial Protection Advisor

I was born in Texas and raised in a bilingual family between Mexico and the U.S. Growing up, my family enjoyed years of financial stability. We were fortunate to travel often, spend time together, and see the rewards of hard work — my father was a respected doctor, and my mother an ambitious businesswoman with ventures in broadcasting, telecom, hospitality, and retail.

But over time, life reminded us of a truth many families face: financial security can be fragile when it isn’t properly protected.

I witnessed it firsthand when a hurricane hit Cancún and damaged a hotel my family was involved in. A loan in U.S. dollars and a sudden devaluation turned a business challenge into a financial crisis. Later, I saw how my father and other senior doctors — after decades of dedication — left their medical partnership without financial protection, exit planning, or a legacy. And when my mother was diagnosed with cancer, her health insurance gave us peace of mind, allowing us to focus on her recovery — not on hospital bills.

These experiences shaped how I see the world and taught me a lesson I now live by: no matter your income or success, you need a solid plan to protect what matters most.

❤️ Why I Serve the Latino Community
I chose to focus on the Latino community because it’s part of who I am. I’ve seen how hard our people work — how we build businesses, support entire families, and chase big dreams — often without the financial tools or guidance we deserve.

Too many of us face life’s toughest moments unprepared. Not because we lacked effort — but because no one explained the options in a way we could truly understand or trust.

That’s why I founded VitaClarus — to guide Latino families and entrepreneurs through smart, honest, and culturally relevant financial planning. Whether you live in New York, Texas, California, or Florida — or you’re preparing to retire in Mexico — I’m here to help you build a secure future with clarity and confidence.

Even if you don’t have a Social Security Number, there are powerful strategies available — and I’ll walk with you every step of the way.

This isn’t just what I do — this is personal.

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Juan Carlos Aguirre 📍 McAllen, Texas ⭐️⭐️⭐️⭐️⭐️ "Nunca imaginé que mi vida financiera daría un giro de 180° tras una sola conversación. Como inmigrante, había trabajado duro toda mi vida, pero no tenía un plan real para proteger el fruto de ese esfuerzo. Me sentía atrapado entre la incertidumbre del futuro y la falta de opciones... hasta que encontré VitaClarus. Miguel no solo me explicó cómo funcionaba la estrategia de banca infinita en un lenguaje que entendí perfectamente, sino que me mostró cómo podía crear un legado para mis hijos sin tener que ser millonario. Por primera vez, alguien me trató como un ser humano con sueños, no como una venta más. Hoy tengo una póliza que me protege, me permite crecer mi dinero y me da acceso a fondos cuando lo necesito. Pero lo más importante: tengo paz mental. Y eso… no tiene precio. Gracias, VitaClarus, por cambiar el rumbo de mi vida y enseñarme que sí es posible construir riqueza desde cero, sin importar de dónde vengas."*

Juan Carlos Aguirre

Vita Clarus truly cares! They offered personalized insurance plans that fit my needs perfectly. The staff in Houston were friendly and made everything easy to understand. I'm grateful for their support and highly recommend them to fellow Latinos.

- Ana Rodriguez

Small Business Owner. "As a Latino entrepreneur in the U.S., navigating the financial system can be overwhelming—especially when you're working hard to build a future for your family without a Social Security Number. I never thought life insurance or financial planning would be available to someone like me—until I found VitaClarus." "Miguel and his team treated me with respect, transparency, and genuine care from day one. They explained everything in Spanish, showed me how Infinite Banking works, and helped me structure a plan that protects my business and provides generational wealth for my kids. Today, I have peace of mind, cash value building steadily, and a real strategy for my future." "VitaClarus didn’t just offer me a policy—they offered me hope. For the first time, I feel like I’m building wealth, not just surviving. I tell every Latino I know: if you want real financial freedom in this country, start here. This team changes lives." ⭐️⭐️⭐️⭐️⭐️ — 10/10 Experience

Antonio Ramos San Millan

Juan Carlos Aguirre 📍 McAllen, Texas ⭐️⭐️⭐️⭐️⭐️ "Nunca imaginé que mi vida financiera daría un giro de 180° tras una sola conversación. Como inmigrante, había trabajado duro toda mi vida, pero no tenía un plan real para proteger el fruto de ese esfuerzo. Me sentía atrapado entre la incertidumbre del futuro y la falta de opciones... hasta que encontré VitaClarus. Miguel no solo me explicó cómo funcionaba la estrategia de banca infinita en un lenguaje que entendí perfectamente, sino que me mostró cómo podía crear un legado para mis hijos sin tener que ser millonario. Por primera vez, alguien me trató como un ser humano con sueños, no como una venta más. Hoy tengo una póliza que me protege, me permite crecer mi dinero y me da acceso a fondos cuando lo necesito. Pero lo más importante: tengo paz mental. Y eso… no tiene precio. Gracias, VitaClarus, por cambiar el rumbo de mi vida y enseñarme que sí es posible construir riqueza desde cero, sin importar de dónde vengas."*

Juan Carlos Aguirre

Vita Clarus truly cares! They offered personalized insurance plans that fit my needs perfectly. The staff in Houston were friendly and made everything easy to understand. I'm grateful for their support and highly recommend them to fellow Latinos.

- Ana Rodriguez

Small Business Owner. "As a Latino entrepreneur in the U.S., navigating the financial system can be overwhelming—especially when you're working hard to build a future for your family without a Social Security Number. I never thought life insurance or financial planning would be available to someone like me—until I found VitaClarus." "Miguel and his team treated me with respect, transparency, and genuine care from day one. They explained everything in Spanish, showed me how Infinite Banking works, and helped me structure a plan that protects my business and provides generational wealth for my kids. Today, I have peace of mind, cash value building steadily, and a real strategy for my future." "VitaClarus didn’t just offer me a policy—they offered me hope. For the first time, I feel like I’m building wealth, not just surviving. I tell every Latino I know: if you want real financial freedom in this country, start here. This team changes lives." ⭐️⭐️⭐️⭐️⭐️ — 10/10 Experience

Antonio Ramos San Millan

Juan Carlos Aguirre 📍 McAllen, Texas ⭐️⭐️⭐️⭐️⭐️ "Nunca imaginé que mi vida financiera daría un giro de 180° tras una sola conversación. Como inmigrante, había trabajado duro toda mi vida, pero no tenía un plan real para proteger el fruto de ese esfuerzo. Me sentía atrapado entre la incertidumbre del futuro y la falta de opciones... hasta que encontré VitaClarus. Miguel no solo me explicó cómo funcionaba la estrategia de banca infinita en un lenguaje que entendí perfectamente, sino que me mostró cómo podía crear un legado para mis hijos sin tener que ser millonario. Por primera vez, alguien me trató como un ser humano con sueños, no como una venta más. Hoy tengo una póliza que me protege, me permite crecer mi dinero y me da acceso a fondos cuando lo necesito. Pero lo más importante: tengo paz mental. Y eso… no tiene precio. Gracias, VitaClarus, por cambiar el rumbo de mi vida y enseñarme que sí es posible construir riqueza desde cero, sin importar de dónde vengas."*

Juan Carlos Aguirre

Vita Clarus truly cares! They offered personalized insurance plans that fit my needs perfectly. The staff in Houston were friendly and made everything easy to understand. I'm grateful for their support and highly recommend them to fellow Latinos.

- Ana Rodriguez

Small Business Owner. "As a Latino entrepreneur in the U.S., navigating the financial system can be overwhelming—especially when you're working hard to build a future for your family without a Social Security Number. I never thought life insurance or financial planning would be available to someone like me—until I found VitaClarus." "Miguel and his team treated me with respect, transparency, and genuine care from day one. They explained everything in Spanish, showed me how Infinite Banking works, and helped me structure a plan that protects my business and provides generational wealth for my kids. Today, I have peace of mind, cash value building steadily, and a real strategy for my future." "VitaClarus didn’t just offer me a policy—they offered me hope. For the first time, I feel like I’m building wealth, not just surviving. I tell every Latino I know: if you want real financial freedom in this country, start here. This team changes lives." ⭐️⭐️⭐️⭐️⭐️ — 10/10 Experience

Antonio Ramos San Millan

Contact Our Insurance Experts

Reach out to Vita Clarus for tailored insurance solutions in Houston, Texas.