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Independent Insurance Producer

Protecting Families.
Securing Futures.
Building Legacy.

At NeXlevel Financial Group, we help families compare life insurance and annuity options from multiple top-rated carriers — so you can make informed decisions with confidence.

🛡 Licensed & Verified
👥 Multiple Top-Rated Carriers
✅ No-Pressure Consultations

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🔒 We do not sell or share your personal information.
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9+
Top-Rated Carrier Partners
CA & TX
Licensed Producer
100%
Independent & Unbiased
Free
No-Obligation Consultations
Our Services

Life Insurance & Annuity Options We Help Clients Explore

As an independent producer, we work with multiple top-rated carriers to help clients compare life insurance and annuity products — finding a fit based on their individual needs and eligibility.

🛡

Final Expense Insurance

Whole life coverage designed to help families manage end-of-life costs such as funeral expenses and outstanding bills — without burdening loved ones.

Learn more →
📋

Term Life Insurance

Affordable coverage for a defined period. Commonly used to protect income, help cover a mortgage, or provide for dependents during key life stages.

Learn more →
🏠

Mortgage Protection

A life insurance strategy designed to help ensure your home remains protected for your family in the event of an unexpected passing.

Learn more →
📈

Fixed & Fixed Indexed Annuities

Insurance-based accumulation tools that may offer tax-deferred growth, principal protection features, and options for guaranteed lifetime income.

Learn more →
💰

Indexed Universal Life (IUL)

Permanent life insurance with a cash value component that may grow based on a market index — subject to caps and floors. Often explored as a supplemental planning strategy.

Learn more →
📚

Whole Life Insurance

Permanent coverage that builds cash value over time. Provides lifelong protection with stable premiums and a potential financial resource for future needs.

Learn more →

NeXlevel Financial Group offers fixed and fixed indexed life insurance and annuity products only. Variable life insurance and variable annuities are securities products that require a separate securities license and are not offered through this agency. All products subject to carrier underwriting approval and state availability.

Why NeXlevel

An Independent Producer Working for You

We are not captive agents. We work for you — not for any single insurance company.

🔍

Access to Multiple Carriers

We shop across our carrier network to help you compare available life insurance and annuity options side by side, based on your health profile, budget, and goals.

🎓

Education-First Approach

We believe in helping clients understand their options before making any decision. No pressure, no rush — just clear, honest information.

👪

Family-Focused Consultations

We take the time to understand your family's unique needs and priorities before recommending any coverage options.

🌐

Virtual Consultations Available

Meet with us from the comfort of your home. We serve clients across California, Texas, and other licensed states by phone and video. Hablamos español.

Our Carrier Network

Working With Top-Rated Insurance Carriers

We work with multiple top-rated carriers to help clients compare available life insurance and annuity options — giving you choice, not just a single solution.

Mutual of Omaha
Ethos
Occidental Life
F&G Life
Aflac
Transamerica
American Amicable
Ameritas
Corebridge Financial

NeXlevel Financial Group is an independent insurance producer and is not affiliated with, employed by, or endorsed by any of the carriers listed above. Carrier names are listed for informational purposes only. Product availability varies by state and carrier underwriting approval. Only fixed and fixed indexed life insurance and annuity products are offered through this agency.

Client Reviews

What Families Are Saying

Real feedback from clients we've had the privilege of serving.

★★★★★
"Hugo took the time to explain every option and never made me feel pressured. He helped me find a final expense policy that fits my budget. I finally have peace of mind knowing my family won't be burdened."
MG
Maria G.
San Antonio, TX
★★★★★
"I didn't know anything about annuities before speaking with Hugo. He walked me through how they work in plain language and helped me understand how it could fit into my retirement plans. Very professional."
RC
Roberto C.
Los Angeles, CA
★★★★★
"NeXlevel helped our whole family get covered. Hugo was bilingual, patient, and truly cared about finding the right fit — not just the most expensive option. Highly recommend."
LP
Lupita P.
Houston, TX

Testimonials reflect individual client experiences and are not a guarantee of results. Individual experiences may vary.

FAQs

Common Questions

Straightforward answers to questions we hear most often.

An independent insurance producer represents you — the client — not any single insurance company. We work with multiple carriers to help you compare available options side by side, which may provide more flexibility than working with a single-carrier agent.
NeXlevel Financial Group specializes in life insurance and annuity products, including final expense insurance, term life insurance, whole life insurance, mortgage protection life insurance strategies, indexed universal life (IUL) insurance, and fixed and fixed indexed annuities. We offer fixed and fixed indexed products only — we do not sell variable life insurance or variable annuities, which are securities products requiring a separate securities license.
Consultations with NeXlevel Financial Group are complimentary. There is no fee to speak with us, review your options, or request a quote. You are never obligated to purchase any product.
It depends on the product and carrier. Some policies — including certain final expense plans — may be available without a medical exam. Eligibility and availability vary by carrier, product, and state. A licensed agent can walk you through options that may fit your health profile and goals.
A fixed indexed annuity (FIA) is an insurance product — not a security — issued by an insurance company. It offers potential interest credits linked to the performance of a market index (such as the S&P 500), subject to a cap rate and a floor (often 0%), which may protect the principal from direct market losses. FIAs are not investment products and do not directly participate in the stock market. Past index performance does not guarantee future results. Suitability varies by individual situation.
No. NeXlevel Financial Group is a private, independent insurance producer. We are not affiliated with, endorsed by, or connected to any government agency or program. All products are private insurance products offered through licensed insurance carriers.
Yes. We offer virtual consultations by phone or video call for your convenience. We serve clients across our licensed states — California and Texas — without requiring an in-person visit.
Licensing & Verification

Verified. Licensed. Transparent.

Consumers may verify Hugo Bugarini's insurance licensing through the official state and national insurance department resources below.

National Producer Number
22137513
Verify via NIPR ↗
Texas License Number
3492482
Verify via TDI ↗
California License Number
4532299
Verify via CDI ↗

Licensing does not imply endorsement by any state insurance department or regulatory agency. Insurance products are subject to carrier approval, underwriting, and state availability.

About Us

Independent. Educated. Family-Focused.

NeXlevel Financial Group was founded on one simple belief: every family deserves access to clear, honest, and personalized life insurance and annuity guidance.

Hugo Bugarini - Licensed Independent Insurance Producer

Meet Hugo Bugarini

Hugo Bugarini is a licensed independent insurance producer specializing in life insurance and annuity products, serving families across California, Texas, and beyond. As a proud member of the Hispanic and Latino community, Hugo understands the unique financial protection needs many families in these communities face — and he is committed to providing guidance that is culturally sensitive, bilingual, and genuinely helpful.

Hugo founded NeXlevel Financial Group to create a client-first agency that prioritizes education over sales pressure. He believes that when clients truly understand their options, they make better decisions for themselves and their families.

Through NeXlevel Financial Group, Hugo provides access to fixed and fixed indexed life insurance and annuity products from multiple top-rated carriers — which means clients can compare options from various companies in a single conversation, rather than being limited to a single insurer's lineup.

Virtual consultations are available for clients throughout California, Texas, and other licensed states. Hugo serves both English and Spanish-speaking households. Hablamos español.

Licensed Insurance Producer: Hugo Bugarini
NPN: 22137513  |  CA License #4532299  |  TX License #3492482
Life Insurance & Annuity Products — Fixed & Fixed Indexed Products Only

🏢 Independent Brokerage

We are not employed by or captive to any single insurance carrier. We represent our clients — providing access to life insurance and annuity products from multiple companies to help find options that align with their individual goals.

🎓 Education-First Philosophy

Every consultation starts with education, not a pitch. We take time to explain how each type of coverage or annuity works, who it may be appropriate for, and what the important considerations are.

👪 Family-Centered Values

Most of our clients are protecting something precious — their families, their homes, their legacy. We treat each consultation with the seriousness and care that deserves.

🌐 Bilingual Service

We proudly serve both English and Spanish-speaking families. Hablamos español. Nuestra comunidad merece acceso a información clara y honesta sobre seguros de vida y anualidades.

Licensing

Licensed, Verified & Transparent

Consumers may verify Hugo Bugarini's insurance licensing through the official state and national insurance department resources below.

National Producer Number
22137513
Verify via NIPR ↗
Texas License Number
3492482
Verify via TDI ↗
California License Number
4532299
Verify via CDI ↗

Licensing does not imply endorsement by any state insurance department or regulatory agency. Insurance products are subject to carrier approval, underwriting, and state availability.

Our Services

Life Insurance & Annuity Services

We work with multiple top-rated carriers to help you explore fixed and fixed indexed life insurance and annuity options tailored to your family's needs, budget, and eligibility.

🛡

Final Expense Insurance

Final expense insurance is a type of permanent whole life insurance designed to help cover the costs associated with end-of-life expenses — including funeral and burial costs, outstanding medical bills, and other final financial obligations. These policies generally offer smaller face amounts and are designed to remain in force for the insured's lifetime, provided premiums are paid.

Many final expense policies offer simplified underwriting, meaning a medical exam may not be required for qualification. However, eligibility, benefit amounts, and specific terms vary by carrier and product.

Who may benefit: Individuals who want to help ensure their family is not financially burdened by end-of-life costs; seniors seeking a smaller, more affordable permanent coverage option; and individuals who may have limited or no existing life insurance.

Coverage availability, eligibility, benefit amounts, and product features vary by carrier and state. Not all applicants will qualify for all benefit levels. Products are subject to underwriting approval by the issuing carrier. Some products may include graded or modified death benefit periods.

📋

Term Life Insurance

Term life insurance provides a death benefit for a defined coverage period — commonly 10, 20, or 30 years. If the insured passes away during the active policy term, the death benefit is paid to the named beneficiaries. Term policies typically offer a larger face amount at a lower initial premium compared to permanent life insurance products.

Term life is commonly used to help cover specific financial obligations that exist for a defined period, such as supporting dependents, aligning with a mortgage duration, or replacing income during working years.

Who may benefit: Individuals with dependents who rely on their income; homeowners seeking to align coverage with their mortgage duration; and those looking for higher face-amount coverage at a lower entry-level premium.

Term life premiums and availability are subject to carrier underwriting, health classification, and state availability. Term life coverage is temporary and does not accumulate cash value in standard term products. Coverage ends at the expiration of the policy term.

🏠

Mortgage Protection (Life Insurance Strategy)

Mortgage protection is a life insurance strategy — not a separate product category — in which a life insurance policy is used with the intent of helping ensure a family's home remains protected in the event of the primary income earner's unexpected passing. The goal is to provide beneficiaries with a death benefit that could be used toward remaining mortgage payments, potentially helping to prevent the loss of the family home during an already difficult time.

This strategy is typically implemented using a term or permanent life insurance policy aligned with the homeowner's mortgage timeline and coverage needs.

Who may benefit: Homeowners with a mortgage who want to help ensure their family could remain in their home; households dependent on a primary income earner to service a mortgage obligation.

Mortgage protection is a life insurance planning strategy. The death benefit is paid to the named beneficiary and may be used at their discretion. It does not automatically pay the mortgage lender directly. Product features, eligibility, and benefit amounts are subject to carrier underwriting and state availability.

📈

Fixed & Fixed Indexed Annuities

Annuities are insurance contracts issued by insurance companies. NeXlevel Financial Group offers fixed annuities and fixed indexed annuities (FIAs) — both of which are insurance products, not securities or investments.

Fixed Annuities credit a declared interest rate for a specified period, offering predictable, guaranteed growth during the accumulation phase. They may be suitable for individuals seeking stable, tax-deferred growth with a known rate of return.

Fixed Indexed Annuities (FIAs) offer interest crediting potential linked to the performance of a market index (such as the S&P 500), subject to a participation rate, cap, and a floor — often 0% — which may protect the contract value from direct market losses. FIAs do not directly invest in the stock market. Past index performance does not predict future interest credits.

Annuities may offer features such as tax-deferred growth, optional guaranteed lifetime income riders, and death benefit provisions, depending on the product and carrier. Annuities are long-term products with surrender charge periods and may not be suitable for all individuals.

Who may benefit: Individuals seeking tax-deferred accumulation, principal protection features, or guaranteed lifetime income options as part of a longer-term financial protection strategy. Suitability varies significantly by individual situation, age, financial goals, and risk tolerance.
ⓘ Important: NeXlevel Financial Group offers fixed and fixed indexed annuities only. Variable annuities are securities products regulated by the SEC and FINRA and are not offered through this agency. Annuity products are not FDIC insured, not bank guaranteed, and may lose value if surrendered early. All products are subject to carrier underwriting, state availability, and applicable surrender charge periods. This is not investment advice.
💰

Indexed Universal Life (IUL)

An Indexed Universal Life insurance policy is a type of permanent life insurance that includes a cash value component. The cash value growth potential may be linked to the performance of a market index, subject to a cap and a floor that may limit downside exposure. IUL policies are life insurance contracts — not investment products — and are not directly invested in the stock market.

IUL policies may offer flexible premiums, lifelong death benefit protection, and a tax-advantaged cash value accumulation component that some individuals explore as part of a broader protection strategy. IULs are complex products; policy costs, charges, and performance can vary significantly by carrier and product design.

Who may benefit: Individuals interested in permanent life insurance who also want a cash value component with potential upside linked to a market index, explored as a supplemental strategy. IUL is not suitable for everyone and should be carefully evaluated.
ⓘ Important: IUL products are life insurance, not investment or securities products. Interest credits are not guaranteed and depend on index performance, caps, participation rates, and policy charges. Policy illustrations are not guarantees of future performance. This is not investment, tax, or financial planning advice. Consult qualified professionals before making any purchasing decision.
📚

Whole Life Insurance

Whole life insurance is a type of permanent life insurance that provides lifelong coverage as long as premiums are paid as required. It includes a cash value component that grows at a rate specified in the policy contract. Whole life policies typically offer level premiums and a guaranteed death benefit that do not change after policy issuance, subject to policy terms and conditions.

The cash value component may be accessible through policy loans or withdrawals under certain conditions and subject to policy terms. Policy loans and withdrawals reduce the available cash value and death benefit and may have tax implications.

Who may benefit: Individuals seeking permanent coverage with stable, predictable premiums; those interested in a policy with a cash value component; and families prioritizing legacy planning with a guaranteed death benefit.

Whole life coverage availability and terms vary by carrier. Policy loans and withdrawals reduce the death benefit and available cash value and may have tax consequences. Products are subject to carrier underwriting and state availability.

Ready to Explore Your Options?

Schedule a complimentary, no-obligation consultation with a licensed agent.

NeXlevel Financial Group offers fixed and fixed indexed life insurance and annuity products only. Variable life insurance and variable annuities are not offered. All products are subject to carrier underwriting approval, eligibility requirements, and state availability. Not all applicants will qualify. Product features vary by carrier and state. This website is for informational purposes only and does not constitute legal, tax, investment, or financial advice.

Contact Us

Let's Talk About Protecting Your Family

Schedule a free, no-obligation consultation with a licensed independent insurance producer. We're here to help you understand your life insurance and annuity options — not to pressure you.

How to Reach Us

📧
Emailinfo@nexlevelfg.com
📞
PhoneContact us for direct number
🕐
Hours of OperationMon – Fri: 9:00 AM – 6:00 PM
Saturday: By Appointment
Sunday: Closed
🌐
Virtual ConsultationsBy phone or video — serving CA, TX & additional licensed states.

Licensed Insurance Producer: Hugo Bugarini
NPN: 22137513 | CA License #4532299 | TX License #3492482
Life Insurance & Annuities — Fixed & Fixed Indexed Products Only

🔒 We do not sell or share your personal information.

Request Information or Schedule a Consultation

Fill out the form and a licensed agent will follow up with you.

✅ Thank you! A licensed agent will reach out within 1 business day.
🔒 We do not sell your personal information. You may opt out at any time.
Legal

Privacy Policy

Last Updated: January 1, 2025 | Effective Date: January 1, 2025

This Privacy Policy describes how NeXlevel Financial Group ("we," "us," or "our") collects, uses, and shares information when you use our website or contact us regarding life insurance and annuity products and services. Please read this policy carefully.

1. Information We Collect

We may collect the following types of information when you interact with our website or contact us:

  • Personal Identification Information: Your name, email address, phone number, and state of residence, when voluntarily provided.
  • Product Interest Information: The type of life insurance or annuity product you are inquiring about.
  • Communication Records: Records of your inquiries, messages, and correspondence with us.
  • Technical / Usage Data: IP address, browser type, operating system, referring URLs, and website usage data collected automatically.
  • Cookie Data: Information collected through cookies and similar tracking technologies (see Section 7).

2. How We Use Your Information

We use the information we collect to:

  • Respond to your inquiries and fulfill consultation requests
  • Provide life insurance and annuity-related information and educational content
  • Schedule appointments and follow up on consultation requests
  • Send text messages if you have provided your phone number and expressly opted in to receive SMS communications
  • Improve our website and services
  • Comply with applicable legal obligations

3. SMS / Text Message Communications

If you provide your mobile phone number and check the SMS consent checkbox on any form on our website, you are consenting to receive text messages from NeXlevel Financial Group related to appointment scheduling and reminders, responses to your inquiries, follow-ups regarding life insurance and annuity options, and occasional marketing updates.

Message frequency varies. Message and data rates may apply. You may opt out at any time by replying STOP to any text message. Reply HELP for assistance.

We do not sell, rent, lease, or share your mobile phone number or personal information with third parties for their own marketing purposes.

4. Sharing of Your Information

We do not sell or rent your personal information to third parties. We may share your information only in the following limited circumstances:

  • Insurance Carriers: If you request a quote or application, relevant information may be shared with insurance carriers for underwriting and eligibility purposes, with your knowledge and consent.
  • Service Providers: We may share information with vendors who assist us in operating our website or delivering communications, under confidentiality agreements.
  • Legal Requirements: We may disclose information if required by law, regulation, or legal process.

5. Data Security

We implement reasonable technical and organizational security measures to protect your personal information from unauthorized access, disclosure, or misuse. However, no method of transmission over the internet is 100% secure.

6. Your Rights & Choices

Depending on your state of residence, you may have certain rights regarding your personal information, including the right to request access, correction, or deletion of your data, and the right to opt out of SMS communications by replying STOP. Contact us at: info@nexlevelfg.com

California Residents: Under the California Consumer Privacy Act (CCPA), you may have additional rights regarding your personal data. Contact us for more information.

7. Cookies & Tracking Technologies

Our website may use cookies and similar technologies to improve your browsing experience and analyze website traffic. You may adjust your browser settings to decline cookies, though this may affect certain website features.

8. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier websites and regulatory licensing verification resources. We are not responsible for the privacy practices of those sites.

9. Children's Privacy

Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children.

10. Updates to This Policy

We may update this Privacy Policy periodically. The "Last Updated" date at the top of this page reflects the most recent revision.

11. Contact Us

NeXlevel Financial Group
Email: info@nexlevelfg.com
Licensed Insurance Producer: Hugo Bugarini | NPN: 22137513 | CA #4532299 | TX #3492482

Legal

Terms & Conditions

Last Updated: January 1, 2025 | Effective Date: January 1, 2025

Please read these Terms and Conditions carefully before using the NeXlevel Financial Group website. By accessing or using this website, you agree to be bound by these terms.

1. About NeXlevel Financial Group

NeXlevel Financial Group is an independent insurance producer operated by Hugo Bugarini (NPN: 22137513; CA License #4532299; TX License #3492482). We specialize in fixed and fixed indexed life insurance and annuity products. We are not affiliated with, endorsed by, or connected to any government agency or program.

We work with multiple third-party insurance carriers to help clients compare available life insurance and annuity products. We do not manufacture, underwrite, or guarantee any insurance or annuity product. All products are underwritten by the respective insurance carriers. Variable life insurance and variable annuities are securities products and are not offered through this agency.

2. Informational Purpose Only

The content on this website is provided for general informational and educational purposes only. It does not constitute legal, financial, tax, investment, or insurance advice. Nothing on this website should be interpreted as a guarantee of coverage, approval, or specific product terms, rates, or benefits.

Coverage eligibility, availability, and product features vary by carrier, product, applicant health profile, and state of residence. Not all applicants will qualify for coverage. All products are subject to underwriting approval by the issuing carrier.

3. Annuity Products Disclosure

Annuity products offered through NeXlevel Financial Group are fixed and fixed indexed annuities only. These are insurance products — not securities, investments, or bank deposits. They are not FDIC insured, not bank guaranteed, and are not insured by any federal government agency. Annuity products involve surrender charge periods; early withdrawal may result in surrender charges and tax consequences. All interest credits on fixed indexed annuities are subject to caps, participation rates, and spreads as defined in the policy contract. Past index performance does not guarantee future interest credits.

4. No Guarantees or Representations

We make no representations or warranties that any individual will qualify for any specific insurance or annuity product; that any specific premium, benefit amount, interest rate, or product feature will be available to any applicant; or that information on this site is complete, current, or error-free. Product availability, pricing, and features are determined by the issuing insurance carrier and are subject to change without notice.

5. SMS / Text Message Terms

5.1 Program Description

NeXlevel Financial Group may send text messages to consumers who have expressly opted in. Messages may include appointment scheduling confirmations and reminders, responses to inquiries about life insurance and annuity products, follow-up communications regarding coverage options, and occasional marketing and informational updates.

5.2 Consent Requirements

SMS communications are sent only to individuals who have explicitly opted in by checking the SMS consent checkbox on our website forms. Consent to receive SMS messages is never required as a condition of receiving any quote, consultation, or service.

5.3 Message Frequency & Rates

Message frequency varies. Standard message and data rates may apply based on your mobile carrier plan.

5.4 Opt-Out Instructions

Reply STOP to any message to opt out. You will receive one final confirmation message and no further SMS messages will be sent.

5.5 Help

Reply HELP to any SMS message for assistance, or contact us at: info@nexlevelfg.com

We do not sell, rent, or share your mobile phone number or personal information with third parties for marketing purposes.

6. TCPA Compliance

Our SMS program is designed to comply with the Telephone Consumer Protection Act (TCPA) and applicable FCC regulations. We obtain express written consent before sending marketing text messages. Consent may be revoked at any time by replying STOP.

7. Limitation of Liability

To the fullest extent permitted by applicable law, NeXlevel Financial Group and Hugo Bugarini shall not be liable for any indirect, incidental, special, or consequential damages arising from use of this website or reliance on any information contained herein.

8. Governing Law

These Terms shall be governed by the laws of the State of Texas, without regard to conflict of law principles.

9. Changes to These Terms

We may update these Terms and Conditions from time to time. Continued use of the website constitutes acceptance of the updated terms.

10. Contact Information

NeXlevel Financial Group
Licensed Insurance Producer: Hugo Bugarini
NPN: 22137513 | CA License #4532299 | TX License #3492482
Email: info@nexlevelfg.com