Life Insurance That Lives with You
Elizabeth Torres on Protection, Legacy, and Trust
Aventura, FL - In a market defined by uncertainty and complexity, Elizabeth Torres brings clarity, connection, and confidence. As Managing Partner for ARI Financial’s South Florida and LATAM region, Elizabeth shares how U.S.-based life insurance solutions are transforming the way international clients protect their wealth—and why lasting relationships, not transactions, are at the heart of her success. In this candid conversation, she opens up about her journey, her values, and the quiet power of showing up for clients when it matters most.
Q: You’re often asked why someone outside of the U.S. would purchase American life insurance. What’s your response to that?
It’s a great question and one I hear frequently. The truth is, U.S. life insurance—especially from mutual carriers—offers financial protections and guarantees that simply aren’t available in many Latin American markets. We’re talking about creditor protection, a hedge against currency and political risk, and safeguards even in the event of a divorce. These policies are backed by companies with more than 150 years of history and AA ratings. The level of stability and security they provide is unmatched.
Q: So it’s not just about protection after death?
Exactly. I don’t sell death insurance—I sell life insurance. These products come with living benefits. They accumulate cash value, they pay dividends, and they can be accessed while the policyholder is still alive. That’s particularly important in markets that are more volatile than the U.S. Our clients want something reliable, and these policies offer a powerful financial anchor.
Q: What does your relationship with clients typically look like?
Very personal. I speak with most of my clients at least twice a year—once when dividends are declared, and again when premiums are due. But it goes well beyond business. We stay in touch for birthdays, milestones, and family news. I want our clients to know that I’m here for them—not just as their advisor, but as someone who genuinely cares. That personal connection is what sets ARI apart.
Q: Over the past two years, rising interest rates have impacted many people’s financial strategies. How has your team responded?
It’s been a challenge, but also an opportunity for innovation. We’ve restructured cases, explored new product designs, and worked closely with carriers to help reduce the financial pressure on our clients. One of the things I value most about ARI is that we’re not afraid of change. We meet challenges head-on, and we adapt quickly. That spirit of perseverance defines how we work.
Q: What brought you to ARI originally?
I was introduced to Eric through a mutual contact, Janet. At the time, he was looking for someone to lead LATAM development. Initially, I wasn’t sure—it was outside of my comfort zone. But I spoke with my father about it, and he said, “Maybe it’s time to try something new.” I took the leap, and here I am, more than ten years later.
Q: What’s kept you here for a decade?
The culture. It’s dynamic, fast-paced, and relentlessly focused on improvement. We never stay still. We’re always striving to do better—for ourselves and for our clients. And the relationships I’ve built here, both internally and externally, are incredibly rewarding. We’re proactive, not reactive. We reach out to clients before they even think to call us. That level of engagement makes a difference.
Q: You mentioned Janet earlier. Can you describe your working relationship?
Janet Henfield-Green and I complement each other perfectly. I go out and “hunt” for new business, and she keeps the wheel moving on the operational side. We support each other, especially with our international clientele—many of whom are CEOs and business owners with packed schedules. There’s always someone on our team making sure nothing falls through the cracks, whether it’s underwriting, medicals, or carrier follow-ups. It’s a true partnership built on trust.
Q: What do you think makes ARI’s LATAM approach stand out?
It comes down to two things: our understanding of the cultural and economic context in Latin America, and our commitment to relationship-building. We’re not pushing products—we’re helping families build legacies. Our clients see that we care deeply, and they trust us. That’s why they refer us to their families and friends. Over time, those relationships compound. It’s not transactional—it’s transformational.