Life Insurance Should
Serve The Living.
Upgrade Financial Group is an independent network of licensed insurance professionals who believe your protection shouldn’t just pay out after you’re gone. We are committed to modern living benefits, fiduciary client advocacy, and multigenerational financial security.
Independent Advocacy
Working for you, not a single carrier quota
Top-Tier Carriers
Nationwide network of premier underwriters
Benefits First
Protection that works while you are alive
Ages Covered
Comprehensive options for every life stage
Benjamin & Maristel Bautista-Angeles
United by Family.
Driven by Purpose.
For Benjamin and Maristel Bautista-Angeles, protecting families is more than a professional mission — it is deeply personal.
“When you have experienced how fragile life can be, protecting the people you love becomes more than a responsibility — it becomes a purpose.”
Benjamin & Maristel Bautista-Angeles
Open, honest guidance so families and agents always have absolute clarity.
Putting protection in place before life forces urgent decisions upon you.
Uncompromising integrity in every recommendation, carrier selection, and policy review.
Building a multi-generational legacy that safeguards families and empowers leaders.
Turning Life's Greatest Crisis Into a Lifelong Mission to Protect Others.
As husband and wife, they have experienced firsthand how quickly life can change. Benjamin’s journey through dialysis and a kidney transplant brought their family through a season of uncertainty that tested their strength, faith, resilience, and preparation. It gave them a deeper understanding of what it truly means to protect the people you love, not only emotionally, but financially as well.
That experience became part of the foundation behind Upgrade Financial Group.
Together, they chose to turn one of the most challenging chapters of their lives into a greater purpose: helping other families become better prepared for the unexpected. They share the belief that financial protection should never begin only after a crisis happens. It begins with education, thoughtful planning, and making informed decisions while there is still time to prepare.
Today, they lead Upgrade Financial Group side by side, combining Benjamin’s vision and passion for financial education with Maristel’s commitment to leadership, people development, and building a strong organizational culture.
Their partnership reflects the same principles they encourage families to embrace: communication, preparation, trust, and a shared vision for the future.
For Benjamin and Maristel, success is not simply measured by business growth. It is measured by the families who feel more secure, the agents who discover their potential, and the lives that are better prepared because someone took the time to educate, guide, and care.
Together, they are committed to sharing that purpose with every family and professional they have the privilege to serve.
Meet Our Executive Leadership
Benjamin Michael Angeles III & Maristel Bautista-Angeles
The Leaders Guiding
Upgrade Financial Group
Leading with lived experience, servant leadership, and an uncompromising standard of integrity to protect families and develop future industry leaders.
Benjamin Michael Angeles III
Founder, Upgrade Financial Group
Independent Life Insurance & Living Benefits Advocate
“Tomorrow is never guaranteed, but with the right preparation, guidance, and support, families can face tomorrow with greater strength.”
— Benjamin Michael Angeles III
Lifelines during crisis
Growth with integrity
Decide before crisis
Purpose over numbers
Benjamin Michael Angeles III
Founder, Upgrade Financial Group
For Benjamin Michael Angeles III, Upgrade Financial Group is more than a business. It is a mission shaped by experience, resilience, and a deeply personal understanding of how quickly life can change.
Benjamin’s journey has included some of life’s most difficult challenges. After undergoing dialysis and eventually receiving a kidney transplant, he experienced firsthand the physical, emotional, and financial weight that a serious health crisis can place on an individual and a family. It was a season that changed his perspective on life and strengthened his conviction that preparation, protection, and financial education are not simply financial concepts. They can become lifelines when families need them most.
As Founder of Upgrade Financial Group, he is committed to helping individuals and families better understand the financial strategies available to protect what they have worked hard to build. Through education around life insurance, living benefits, retirement strategies, and long-term wealth planning, he believes families should be empowered to make informed decisions before life forces those decisions upon them.
Benjamin also believes that lasting impact is created through people. His vision extends beyond serving clients to developing a new generation of financial professionals who lead with integrity, compassion, knowledge, and purpose. Through mentorship and leadership development, he works to create an environment where agents can grow personally and professionally while making a meaningful difference in the lives of others.
At its core, Upgrade Financial Group reflects his belief that financial planning should never be only about numbers. It is about protecting families, preserving dreams, creating opportunities, and giving people greater confidence when facing an uncertain future.
His own journey taught him that tomorrow is never guaranteed, but with the right preparation, guidance, and support, families can face tomorrow with greater strength.
Today, Benjamin leads Upgrade Financial Group with a clear purpose: to turn life experience into service, challenges into purpose, and financial education into a lasting legacy for the families and professionals the organization has the privilege to serve.
Maristel Bautista-Angeles
CEO, Upgrade Financial Group
As CEO of Upgrade Financial Group, she brings a leadership style grounded in purpose, compassion, discipline, and a deep commitment to helping families and professionals build stronger futures.
Maristel’s leadership is about more than managing a business. It is about creating an organization where people feel supported, educated, valued, and empowered to grow.
Working alongside her husband, Benjamin Michael Angeles III, she has witnessed firsthand how quickly life can change. Benjamin’s journey through dialysis and kidney transplantation brought their family face-to-face with uncertainty, resilience, and the importance of preparing for the unexpected. That experience strengthened her belief that financial education and protection should always be approached with empathy, responsibility, and genuine care.
Together, she and Benjamin share a vision of building an organization that goes beyond financial products, one that helps families understand their options, prepare for life’s uncertainties, and equips professionals to make a meaningful difference.
“For her, success is measured not only by how far the company grows, but by the lives it touches along the way.”
Her purpose is clear: to build with compassion, lead with integrity, and help create a stronger legacy for the families and professionals Upgrade Financial Group serves.
Maristel Bautista-Angeles
CEO, Upgrade Financial Group
Organizational Culture, Agent Empowerment & Client Care
“Success is measured not only by how far the company grows, but by the lives it touches along the way.”
— Maristel Bautista-Angeles, CEO
Supported & valued teams
Integrity & confidence
Discipline & purpose
Touching lives forever
Why Working With An Independent Agency Matters
Most people assume all life insurance agents work the same way. But being independent changes everything about the quality and flexibility of your coverage.
Who the Agent Works For
Carrier Options
Living Benefits Focus
Age & Health Flexibility
Cost to the Client
A-Rated Carriers Only
We partner only with financially sound, time-tested carriers with proven claims-paying track records.
Personalized Advocacy
Our independent advisors customize policies based on your health history and financial objectives.
Living Benefits by Default
We advocate for policies that protect you while you’re alive, eliminating traditional coverage gaps.
The Pillars of Upgrade Financial Group
Every client relationship is built on transparency, deep empathy, and an uncompromising standard of service.
Lived Experience, Not Theory
Founded by a kidney transplant recipient who personally experienced the power of living benefits during medical hardship. We understand the stakes because we’ve stood in your shoes.
100% Client Advocacy
As independent contractors, our licensed agents work for you—not a single corporate insurer. We have no carrier quotas, ensuring our recommendations are strictly aligned with your best interests.
Education Over Sales Tactics
We demystify complex insurance policies. You’ll understand every coverage option, policy mechanism, and cost breakdown clearly before making any decision. No high-pressure sales.
Generational Protection (Ages 10–90)
From children and young working parents to business owners and seniors navigating retirement, our carrier network provides tailored living benefit solutions across all generations.
How We Work With You
Finding life insurance with modern living benefits shouldn’t be stressful or complicated. Here is our straightforward client roadmap.
15-Minute Discovery Call
We listen to your family’s situation, current coverage, budget, and long-term financial goals in a no-obligation, zero-pressure conversation.
Multi-Carrier Comparison
As independent advisors, we shop across top-tier A-rated national carriers to compare quotes, living benefit triggers, and cash-accumulation features.
Tailored Living Protection
We help you select and activate the ideal policy. Going forward, we conduct regular reviews as your family, career, and wealth continue to grow.
Ready to explore what’s available for your family?
Consultations are 100% free with no obligation to buy.
Questions About Our Agency
Everything you need to know about our independent advisory model and client-first process.
Protect Your Family's Present.
Upgrade Your Future.
Book a confidential, zero-pressure 15-minute consultation. We’ll review your family’s needs and show you real multi-carrier options with modern living benefits.