APB Financial Architect Independent Insurance Specialist Book Free Diagnostic
African Diaspora Professionals · New York

Your family back home is counting on you. So is your family here.

One life insurance policy. Two families protected. A free 30-minute diagnostic to find the right fit.

The gap nobody talks about

The gap most African professionals in New York don't see until it's too late

You're sending money home every month. You're building a life in New York. Both depend entirely on your income — and your income depends entirely on you staying healthy and alive.

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Your family in Nigeria has no backup plan

If something happens to you, the remittances stop. No insurance, no savings, no government safety net — just your relatives absorbing a financial shock with no warning.

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Employer life insurance isn't built for diaspora needs

Group policies typically cover 1–2x your salary. That barely covers 2 years of income replacement in New York — and it doesn't reach your family in Lagos or Accra.

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The longer you wait, the more expensive it gets

Life insurance pricing is locked in at your age and health status when you apply. A 35-year-old professional pays 30–40% less than a 45-year-old with the same policy.

AB

Ayodele Peter Boglo — Independent Insurance Specialist

Former Oracle Principal Consultant. PhD researcher. Queens-based. I work with carriers across the full market — not captive to one company — so you get the right coverage at the right price.

21 years as Oracle
Principal Consultant
45 countries,
global experience
4 licensed states
(NY, NJ, MD, TX)
∞ independent market
access, no captive
Free · No obligation · 30 minutes

The Financial Resilience Diagnostic

A structured 30-minute conversation that shows you exactly where your financial exposure is — and what it would take to eliminate it. No sales pitch. No pressure. Just a clear picture of where you stand.

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Income protection gap analysis specific to your situation
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Coverage structured for diaspora professionals — with face amounts that reflect your real obligations, not just a New York mortgage. Term, whole life, and IUL options from multiple carriers.
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Market comparison across multiple carriers — not just one
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Clear next step (or confirmation you're already covered)
Book My Free Diagnostic

Or fill out the form below and I'll reach out to schedule.

Start here. Takes 2 minutes.

Tell me a bit about your situation and I'll be in touch within 24 hours.

By submitting this form, you consent to being contacted by APB Financial Architect regarding insurance products and services. Your information is protected and will never be sold to third parties. APB Financial Architect is an independent insurance specialist licensed in New York (license #LA-1904166), New Jersey (license #3004017274), Maryland (license #3003689320), and Texas (license #3533820). Insurance products are not FDIC insured, not bank guaranteed, and may lose value. This page provides educational information only and does not constitute financial advice.

Common questions

What diaspora professionals ask about life insurance

Yes. There's no legal restriction on naming international beneficiaries on a U.S. life insurance policy. The death benefit can be paid to your family in Nigeria, Ghana, or anywhere else. You'll need their full legal name and contact information.
A common starting point is 10–12x your annual income. For diaspora professionals, that calculation should also include your remittance obligations — what your family depends on from you each year. We work through this in the Financial Resilience Diagnostic.
Most carriers in New York accept applications from permanent residents and many visa holders. Some H-1B and green card holders qualify for the same rates as U.S. citizens. This depends on the specific carrier, not a blanket rule.
A captive agent works for one company and can only offer that company's products. APB has independent market access — multiple carriers across term life, whole life, and universal life. You get the best fit from the market, not the best fit from one company's catalog.
No. APB Financial Architect is an independent insurance specialist, not a registered investment advisor or financial planner. The services here cover insurance products: life insurance, disability income, annuities, and voluntary benefits. For investment advice or securities, you'd need to work with a licensed investment advisor or broker-dealer. Insurance products are not securities and do not involve investment advice.