CIMA Financial Group

Build a solid financial strategy with IUL (Indexed Universal Life) and Infinite Bank Concept.

Personalized support for residents in the United States who wish to protect their assets and structure their financial planning with education and a long-term vision.

My story and how I can help you

More than 16 years supporting families in their financial planning.

Hello, I am María Alejandra Barrios, a licensed insurance advisor in the United States since 2010.

With over 16 years of experience in financial planning and asset protection, I assist professionals and families in designing structured strategies with life insurance, IUL (Indexed Universal Life) and retirement-oriented solutions.

My approach combines analysis, financial education, and personalized planning, allowing every decision to be made with clarity, sound judgment, and a long-term vision.

About Maria Alejandra CIMA Financial Group

+1,000

Families advised

+16

Years of Experience

22

Authorized States

100%

Free consultation

Financial planning and asset protection strategies

Structured solutions with an educational focus and personalized support for residents in the United States.

IUL – Indexed Universal Life

Life insurance strategy with a focus on long-term financial planning and wealth management.

Infinite Bank – Infinite Banking Concept

A structured approach based on the strategic use of life insurance to organize personal capital flow.

Life insurance

Financial protection designed according to your life stage and family goals.

Retirement annuities

Solutions geared towards financial stability during retirement.

Health Insurance

Health coverage options designed for U.S. residents seeking financial protection against health expenses and structured access to medical care.

Complementary insurance

Additional coverages that strengthen personal and family financial protection.

Infinity bank and iul calculator

Simulate your strategy with IUL and Banco Infinito

Before making a decision, you can use our tool to visualize how an IUL strategy would work in your specific case.

Financial education about IUL, Infinite Bank and estate planning

Articles designed to help you understand financial strategies clearly and thoughtfully.

Awards & Recognitions

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Best Law Firm Award

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Best Law Firm Award

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Best Law Firm Award

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Best Law Firm Award

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Best Law Firm Award

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Best Law Firm Award

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authorized states operate CIMA Financial Group
  • MOMissouri
  • ARArkansas
  • CACalifornia
  • DEDelaware
  • FLFlorida
  • GAGeorgia
  • KYKentucky
  • LALouisiana
  • NJNew Jersey
  • NCNorth Carolina
  • PAPennsylvania
  • SCSouth Carolina
  • TXTexas
  • UTUtah
  • VAVirginia
  • WIWisconsin
  • SDSouth Dakota
  • ALAlabama
  • NMNew Mexico
  • OHOhio
  • MSMississippi
  • NYNew York
  • NDNorth Dakota
  • WVWest Virginia
  • AZArizona
  • AZTennessee
  • AZOklahoma

Authorized to operate in multiple US states.

Consulting in your language, with regulatory compliance and professional support.
Maria Alejandra, CIMA Advisor

Trust built on
results and strategic support

For over 16 years we have supported families and professionals in structuring their financial planning in the United States, providing clarity, education and personalized guidance.
“María Alejandra is one of the most dedicated professionals we have ever met. We felt supported and well-guided at every step of the process. We recommend her with complete confidence.”
Martin Dominguez
Customer in Utah
“Excellent customer service and great expertise in every consultation. He provided us with clear and professional guidance throughout the entire process.”
Victor Rojas
Customer in Orlando
“I highly recommend CIMA for their personalized service and the clarity of each consultation. The experience was professional and well-structured.”
Yecenia Pereira
Customer in Florida

Frequently asked questions about IUL, Banco Infinito and life insurance in the USA

Answers to the most common questions about how IUL insurance works, the concept of Infinity Bank, and financial planning strategies in the United States.

The Infinite Bank, also known as the Infinite Banking Concept, It’s a financial strategy that uses a life insurance policy to manage your cash flow. It allows you to access your capital, use it strategically, and maintain control over your finances in the long term.

Yes, it’s completely legal. It’s based on the structured use of permanent life insurance policies, regulated in the United States, as a tool for financial planning and capital management.

The Infinite Bank is not a scam, but it requires proper structuring and professional advice. When designed correctly, it is a financial strategy used by people seeking control, liquidity, and long-term planning.

Unlike a traditional bank, where you are the customer, at Banco Infinito you can take control of your own financial system, using your policy to access liquidity without depending on external entities.

An IUL is a type of life insurance that allows for growth based on market indices, such as the S&P 500, while providing protection against losses. It is used for both family protection and capital accumulation.

Yes. Many financial strategies combine IUL with the Infinite Bank concept to achieve protection, money growth, and access to liquidity in a single structure.

Yes. Some policies allow you to accumulate cash value that you can use in the future to supplement your retirement, with tax benefits according to U.S. law.

It depends on your financial goals. There are strategies tailored to different income levels, but the most important thing is to structure the policy correctly from the start.

Depending on the policy design, you can use the accumulated value to keep it active for a while. However, it’s crucial to plan carefully to avoid impacting your financial strategy.

Speak with a Certified Advisor at CIMA Financial Group

Fill in your details and an expert will contact you to provide educational guidance on life insurance, IUL, and the Infinite Banking Concept System. The consultation is free and secure.

Get an appointment today!