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.
Antes de diseñar tu plan de protección, consulta tu récord y aplica con mayor claridad. Toma 2 minutos · Gratis · Transparencia total para tu tranquilidad financiera.
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.

+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
Infinite Bank – Infinite Banking Concept
Life insurance
Retirement annuities
Solutions geared towards financial stability during retirement.
Health Insurance
Complementary insurance
Additional coverages that strengthen personal and family financial protection.





























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

RxHistories life insurance: the report that can affect your policy in the USA
RxHistories life insurance is a term that almost no one knows… until it becomes the

What is an infinite bank? A complete guide in the United States
What is an infinite bank? This is often one of the first questions people ask
Awards & Recognitions
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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- 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.
- Active licenses in more than 20 states
- Verifiable NPN
- Primary License in Florida
- 100% online support

Trust built on
results and strategic support
Martin Dominguez
Victor Rojas
Yecenia Pereira
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.