ARCGF is a life insurance and retirement agency helping families and business owners understand their options, close coverage gaps, and plan confidently — with clear guidance and no pressure.
We both lost our mothers. Agu watched his mother battle lung cancer and saw firsthand what happens when a family is forced to navigate loss without the protection and support they deserve. Reginald lost his mother at a young age, and while he was surrounded by people who loved him, her passing without the right safeguards in place left him vulnerable to the realities no child should have to face alone.
Those experiences shaped who we are today. We know how quickly life can change, and how deeply the absence of preparation can impact a family for years to come. But we also know the power of resilience, community, and having people who step in when life gets hard.
When we found each other, we realized we shared the same mission: to make sure families are protected before life forces them into impossible situations.
That’s why we built A & R Consulting Group Firm — a licensed independent insurance agency serving families across Florida and nationwide. We specialize in life insurance, Indexed Universal Life (IUL), annuities, and long-term wealth protection — helping families safeguard their income, build tax-advantaged cash value, and pass on a lasting legacy.
We don’t just sell policies. We sit down with every family, listen to their story, and build a plan that delivers real security, preserved dignity, and genuine peace of mind. This work is personal to us — we’ve lived the consequences of being unprepared, and we’ve felt the strength that comes from having the right guidance and a plan in place. When you work with us, you’re not a policy number. You’re family.
Every family is different. We take the time to understand yours and build a plan that fits.
Give your family the peace of mind they deserve. Whether you need simple, affordable coverage or a policy that builds cash value over time, we'll find the right fit.
Guaranteed income you can't outlive. We help you plan for a retirement where you're comfortable, secure, and confident.
Annuities are insurance contracts; guarantees are backed solely by the claims-paying ability of the issuing insurer. Early withdrawals may be subject to surrender charges, market value adjustments, and IRS tax penalties. A suitability review (Florida Form DFS-H1-1980) is required before an application can be approved.
Protect what you've built and create a plan to pass it on. We help families and business owners safeguard their legacy.
"We don't sell insurance. We sit with families, listen to their story, and help them build a plan that lets them sleep at night."— Agu & Reginald, Founders
Your business is part of your legacy. We help owners protect it, plan for what comes next, and take care of the people who make it run — with life-based strategies.
Protect the business against the financial loss of an owner or an essential employee.
Fund a buy-sell agreement so ownership transitions smoothly if a partner exits, retires, or passes away.
Put a plan in place so the business you built continues on your terms.
Executive bonus and supplemental strategies to reward and retain your key people.
Group and voluntary life benefits that help you attract and keep a strong team.
Life, IUL, and annuity strategies for you and your family, coordinated with your business plan.
Business solutions are life-based insurance strategies. Availability, features, and suitability vary by carrier, state, and situation; we offer only products for which we are licensed and appointed.
We're not the agents who call you 10 times a week. We're the ones who listen first.
Before we recommend anything, we sit down and learn about your family, your goals, and your concerns. No scripts. No pressure. Just a real conversation.
We lost our mothers. We know the pain of not being prepared. That experience drives everything we do — it's why we'll never sell you something you don't need.
We specialize in strategies like IUL that don't just protect your family — they build cash value you may be able to access tax-efficiently in retirement.
A Florida-based insurance agency serving clients nationwide where licensed and appointed. We treat every client like a neighbor.
Already have coverage? Bring it to us. We'll review it and show you exactly what you have, what you're missing, and how to close the gaps.
We're building a team of agents who share our mission — people who want to serve their communities and make a real difference in families' lives.
Most people think life insurance is just a death benefit. But the right policy — an Indexed Universal Life (IUL) — can also build cash value you may be able to access while you're still here to enjoy it.
Paying more than the minimum premium — within the IRS limits that keep a policy from becoming a modified endowment contract — can build cash value faster.
Cash value is credited based on the performance of a market index, subject to caps and participation rates, with a floor that limits losses from index declines. You are not invested directly in the market.
Policy loans and withdrawals are generally income-tax-free when the policy is properly structured and remains in force. Unlike qualified plans, there are no required minimum distributions.
Real talk about protecting your family and building wealth — no jargon, no fluff.
Most families are dangerously underinsured. Here's a simple way to figure out exactly how much coverage your family needs.
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Three types of life insurance, three very different purposes. We break down which one fits your situation.
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Most people don't know their life insurance can pay them back. Here's how Indexed Universal Life actually works.
Read More →We're not just growing an insurance agency — we're building a movement. A team of agents who believe in serving their communities, protecting families, and doing work that actually matters.
If you're licensed (or want to get licensed), passionate about helping people, and looking for something more than just a paycheck — we want to talk to you. We provide the training, the mentorship, the support, and the leads. You bring the heart.
We both came from nothing. We both lost our mothers. But we turned our pain into purpose. If you have that same fire — if you want to help families and build something real — there's a seat at this table for you.
We've seen what happens when families aren't prepared. That's why every consultation and quote comes with no obligation, and there's never any pressure. Let us help you take care of the people who matter most.
Whether you need life insurance, annuities, or want to explore how an IUL can supplement your retirement income — we're here. No obligation, no pressure. Just honest guidance from people who care.