Who We Are

Sequoia Innovations Life & Retirement is a family-owned agency that has been serving families since 2009. We are proudly owned and operated by Oscar Ruiz and Florissa Ruiz. We exist for one purpose: to help families protect what matters most, their income, their future, and their peace of mind.

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We specialize in modern life insurance with living benefits, often described as life insurance you do not have to die to use. Living benefits may allow you to access money from your policy if you experience a qualifying critical or chronic illness or health event, helping you stay financially stable while you focus on recovery.

 

Our mission is to spread awareness of this protection because the right coverage can make a real difference in a family’s ability to maintain their quality of life during a difficult season.

 

We also specialize in retirement planning. We help families protect their retirement savings and create strategies designed to guarantee income that last a lifetime. We believe every family deserves a clear plan and trusted guidance, so they can feel confident about the years ahead.

 

Our approach is education-first, transparent, and client-focused. We advocate for every family we serve and take pride in building a team of agents appointed with Corebridge Financial who share our commitment to serving our communities with integrity.

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At Sequoia Innovations Life & Retirement, this work is personal. We are a family agency dedicated to protecting families.