About Upgrade Financial Services
Life Insurance Should
Serve the Living.
At Upgrade Financial Services, we believe your life insurance should do more than pay out after you're gone. It should protect you now, when you're facing a health crisis, when the bills are piling up, when you need it most.
That's why we specialize in living benefits life insurance—policies that give you access to funds if you're diagnosed with a critical, chronic, or terminal illness. No waiting. No leaving your family to figure it out later.
Everything You Need to Financially Thrive
Comprehensive strategies designed to protect your present and secure your future.
Living Benefits
Access your life insurance benefits while you're alive — for serious illness, injury, or critical conditions. Protection that works when you need it most.
Learn MoreFinancial Planning
We'll map out a clear, step-by-step plan to help you reach your short and long-term goals with absolute confidence.
Learn MoreWealth Management
Grow and preserve your assets with smart, personalized strategies built around your unique lifestyle and future.
Learn MoreWhy Families Choose Upgrade Financial Group
We Listen First
Your goals drive every recommendation we make. It's a client-first approach, not a sales quota.
No Hidden Agendas
We work for you. We partner with A-rated, trusted carriers like National Life Group to find the perfect fit.
Education Over Sales
We make sure you understand exactly what you're getting, every option available, and why it matters before you decide.
Long-Term Relationships
We're not a one-time meeting. We grow with your family, adapting your plans as your life evolves.
Meet Benjamin Angeles III
I didn't start this business because I read about living benefits in a textbook. I lived it.
As a kidney transplant recipient, I know what it's like to face a life-threatening illness while worrying about how to pay the bills. The financial strain was overwhelming—and I've seen too many families go through the same thing.
Living benefits made a difference for me during that difficult time. It gave me breathing room when I needed it most. That experience changed my perspective on life insurance. I realized most people have no idea their policy could help them while they're still alive.
I'm on a mission to change that.
Today, I help families, business owners, and hardworking people protect themselves the right way—with insurance that works when life throws its hardest punches.
Our Mission
To ensure no family ever has to choose between their health and their financial security.
Why Work With Us?
We believe in building lifelong partnerships based on trust, transparency, and personal experience.
Personal Experience
I've been on the receiving end of living benefits; I understand exactly what's at stake.
Client-First Approach
Your needs and your family's security always come first, not a sales quota.
Trusted Carriers
We work exclusively with A-rated carriers like National Life Group, Nationwide, and Mutual of Omaha.
Education Focused
We'll make sure you understand exactly what you're getting and why it matters before making any decisions.
Let's Talk.
Ready to upgrade your financial protection? We'd love to hear your story and help you find the right coverage for you and your family.