Free Consultation

Insurance Consulting

Not sure what you need? Start here. We sit down with you, review your current situation, and map out the coverage that actually makes sense for your life and budget.

Fernanda Maranhão, owner of StartSmart Insurance & Consulting

What this is

This is the conversation that should happen before you buy anything. You bring what you have now, or nothing at all, and we go through where you actually stand: what you are paying for, what it would and would not respond to, and where the gaps are.

Sometimes the answer is that you are already covered and should keep your money. That is a legitimate outcome of a consultation, and we would rather say it than sell around it.

Who it's for

  • You hold policies you have never actually read
  • You are starting a business and do not know what you are expected to carry
  • Something changed: a marriage, a first employee, a new vehicle, a move
  • You have been quoted something and want a second opinion on it

How we work on it

You talk to the person who does the work, not to a queue. The first meeting is about understanding your situation rather than closing anything, and you leave it knowing what you have, what you are missing, and what it would cost to close the gap.

Common Questions

Questions about this service

Is the first consultation really free?

Yes. The initial consultation costs nothing, and it does not oblige you to buy anything through us afterwards.

What should I bring?

Whatever you already have. Current policy documents, a renewal notice, or the contract that is asking you for coverage. If you have none of that, come anyway, because working out what you should have in the first place is most of the job.

What languages can I do this in?

English, Portuguese or Spanish, directly with the person advising you rather than through a translation line.

Simple Process

Three steps to the right coverage.

No jargon. No pressure. Just a clear path to protecting what matters.

STEP 01

Tell us about your situation.

We start with a conversation in English, Portuguese or Spanish, so we understand your life, your business, and what you actually need. No forms to fill out before we talk.

STEP 02

We find the right coverage.

Based on your situation, we compare options, explain the differences in plain language, and recommend what makes sense, never what pays us the most commission.

STEP 03

You're protected. We stay close.

Once you're covered, we don't disappear. As your life changes, we review your coverage and adjust it. A new employee, a new vehicle, a new chapter.