# Insurance & Tax Services in Miami | Protected With Love > Krystal Londono compares 20+ carriers for life and health insurance and builds tax strategy that keeps more in your pocket. Tax prep in all 50 states; insurance licensed in FL, TX, NC, GA and AL. Canonical page: https://protectedwithlove.com # Keep more of what you *earn.* Protect who you *love.* I am Krystal Londono, a certified tax strategist and independent insurance broker. For 16+ years I have helped families and business owners keep more of what they earn and protect them and the people they love. What can I help you with? - [TAXESPersonal and business tax preparation](https://protectedwithlove.com/tax-calendar) - [HEALTH INSURANCEMarketplace coverage and ACA guidance](https://protectedwithlove.com/aca) - [LIFE INSURANCECoverage built around your people](https://protectedwithlove.com/term-life-insurance) - [ANNUITIESIncome you can count on in retirement](https://protectedwithlove.com/annuities) Tax prep in all 50 states • Insurance licensed in FL, TX, NC, GA & AL. ## Take something useful *with you.* No cost, no catch. Built for the questions people actually ask me. ### Last Will & Testament Kit A real, fillable kit: name guardians, choose an executor, put your wishes in writing. - [Get the kit](https://protectedwithlove.com/will) ### Tax Cheat Sheet The deductions people miss every single year, on one page you can actually use. - [Download it](https://protectedwithlove.com/cheat) ### Inflation Survival Guide Practical moves to protect what you have when everything costs more. - [Read the guide](https://protectedwithlove.com/guide) ### 60 Second Quote Tool Answer a few questions and see real options from 20+ carriers, matched to your budget. - [Start the quote](https://protectedwithlove.com/afford-insurance) ## A seasoned pro on *both sides* of your money. Most people have an insurance agent who never asks about their taxes, and a tax preparer who never asks about their protection. That gap is where families lose money. I built Protected With Love to close it. - **Certified tax strategist:** refunds maximized, liabilities engineered down, multi state and complex returns welcome. - **Independent insurance broker:** 20+ carriers compared side by side, so the policy fits you, not a quota. - **Pressure free by design:** straight answers, clear pricing, and a plan you actually understand before you sign anything. - **16+ years in the trenches:** serving Miami-Dade, Broward, and Palm Beach counties, with tax clients in every state. - [Talk With Krystal](https://protectedwithlove.com/calendar) - [All the Ways to Connect](https://protectedwithlove.com/link-tree) ## Curious how much coverage *you* can afford? Answer a few questions and see options from 20+ carriers, matched to your real budget. Takes about a minute. Insurance affordability survey — available on the page. No pressure, no obligation, and no commitment to buy. Encrypted • Never sold or shared • NPN 16261381. ## Families that sleep *better now.* > Professional, honest, and patient. I have recommended Krystal to everyone I know! > Krystal explained everything clearly and made the process easy. > Extremely informative experience. It feels good to know my family is protected! ## Join My *Free Community* Get practical tools, short courses, and a place to make smarter tax, insurance, and retirement decisions at your own pace. - [Join Free](https://protectedwithlove.org/#audience) ## How working together *works.* ### Tell me what matters A free 15 minute call or the 60 second survey. You talk, I listen, and we map what protection or tax help actually fits. ### I do the shopping I compare 20+ carriers or comb through your tax picture, then bring you the two or three options worth your time. ### You decide, I handle it Paperwork, underwriting, filings, follow ups: done for you. And I am still here next year when life changes. ## Answers, before you *even ask.* #### What does Protected With Love actually do? Two things, done well: insurance and taxes. Krystal shops 20+ top rated carriers to place life, health, and retirement protection, and she prepares personal and business tax returns with a strategy first mindset. Most clients start with a free 15 minute call at [the booking page](https://protectedwithlove.com/calendar). #### Is Krystal licensed in my state? Krystal is a licensed insurance agent in Florida, Texas, North Carolina, Georgia, and Alabama, NPN 16261381. Tax preparation is handled securely online in all 50 states. #### How much does a consultation cost? Nothing. #### Which insurance carriers can you quote? **Life:** Mutual of Omaha, Transamerica, AIG/Corebridge, John Hancock, Foresters, Americo, Aetna, F&G, Ethos, Global Atlantic, Prosperity Life, American Amicable, Columbian Financial, Great Western, and more. **Health (ACA Marketplace):** Ambetter, Molina, UnitedHealthcare, Cigna, AmeriHealth Caritas, Harbor Health, Wellpoint, Oscar, Anthem, Blue Cross Blue Shield, Antidote, Christus, Imperial Health, and more. Independence means the recommendation fits you, not a sales quota. #### How fast can I get life insurance coverage? Some no exam policies are approved the same day. Fully underwritten policies can take a few weeks. The 60 second quote survey on this page is the fastest way to see what you qualify for. #### What areas do you serve in person? In person meetings cover Miami-Dade, Broward, and Palm Beach counties. Phone and Zoom appointments are available nationwide, and documents are exchanged through a secure upload portal. #### Why is it called Protected With Love? Because every policy and every return is really about the people you love. The name is a promise about how your family gets treated: with patience, straight answers, and protection that actually fits. ## Ready to Protect What Matters Most? Free guidance, straight answers, and options from 20+ top rated carriers. No pressure at any step. - [Book a Free Call](https://protectedwithlove.com/calendar) [Get a 60 second quote](https://protectedwithlove.com/afford-insurance) • [Get the free Will Kit](https://protectedwithlove.com/will) Tax prep in all 50 states • Insurance licensed in FL, TX, NC, GA & AL • NPN 16261381 • 16+ years of experience [Protected With Love](https://protectedwithlove.com) · [Privacy Policy](https://protectedwithlove.com/privacy) · [Terms & Conditions](https://protectedwithlove.com/terms)