Our Story
“We started Harbour Life with one belief: people deserve clear, independent advice — not sales pitches. Coming from traditional financial firms, we saw how limited options and corporate quotas often stood in the way of what was truly best for clients. That’s why we founded Harbour Life Agency: to give families and business owners the freedom to choose from the best carriers, the best structures, and the best strategies — without bias.
Failure is not an option when it comes to protecting what matters most — and every decision we help you make is designed to remove uncertainty, strengthen your foundation, and give you the clarity to move forward with confidence.”
Our Mission
Our mission is simple: to remove all the “what-ifs” from the table so you can live intentionally. Because that’s what true wealth really is — the freedom to live your life by design, not by chance. We built Harbour Life to close the gap in what most people were never taught — the missing piece of financial education that connects protection, liquidity, and growth into one coordinated strategy.
Our goal is simple: to bring clarity and structure to an area of finance that’s often misunderstood. We believe that when people understand how each part of their financial plan works together, they can make better, more confident decisions about their future.
Our Approach
We take a holistic, education-first approach to insurance and financial protection. That means looking beyond products — focusing instead on how every element of your strategy functions as part of a complete system.
We believe insurance should be a living asset — a financial Swiss Army knife that adapts to every stage of life. It’s more than a safety net; it’s a tool for wealth creation, tax efficiency, and long-term peace of mind. The right plan can do anything from funding a buy-sell agreement to supplementing retirement income, covering long-term care needs, or providing liquidity for your legacy — and everything in between.
Manuel Garcia Palou | Co-Founder, Harbour Life Agency & Independent Broker
Francisco Solier | Co-Founder, Harbour Life Agency & Independent Broker
Why Harbour Life
The name reflects what we stand for. A harbor represents stability, clarity, and direction — a place to plan before moving forward. That’s exactly what we aim to provide: a clear space to make informed, intentional financial decisions
We built Harbour Life to be a modern, virtual, independent alternative to traditional agencies — supported by a network of RICP specialists, and estate planning professionals to ensure every client receives well-rounded, results-driven guidance.
Here, insurance isn’t just protection; it’s a tool to help you protect what matters, grow with intention, and stay financially grounded through every stage of life.
© 2025 Harbour Life Agency, LLC. All rights reserved.
Independent insurance brokerage serving families and business owners with comprehensive protection strategies.
Protect. Grow. Live Intentionally.
info@harbourlifeagency.com | 
www.harbourlifeagency.com