Licensing & Disclosures

Last updated: November 12, 2026

Licensing

Cielo Life Insurance is the business name used by Derian Maria Camacho, a licensed life insurance agent. Licensed in NY, TX, CO, MI. National Producer Number (NPN): [NPN]. You can verify any agent's license with your state's Department of Insurance or at nipr.com.

Independent agent

We are an independent agent and may be appointed with several insurance companies. We are not an insurance company and do not issue policies. Not all products or carriers are available in all states.

Compensation

We receive commissions from insurance companies on policies we place. Commission amounts can vary by carrier and product. You can ask us how we are paid at any time.

Estimates

Coverage estimates on this site use the DIME method (debt, income, mortgage, education). They are for education only and are not a quote or offer of insurance. Final coverage, price and approval are decided by the insurance company after underwriting.

Cash value and indexed products

Life insurance is not an investment and is not a deposit. It is not FDIC insured and is not guaranteed by any bank. Policy loans and withdrawals reduce the death benefit and cash value and may have tax consequences. Indexed universal life does not invest directly in the stock market; credited interest depends on the policy's terms and caps. Guarantees depend on the claims-paying ability of the issuing insurance company.

Living benefits

Accelerated death benefit and living benefit riders vary by carrier and state, have qualifying conditions, and reduce the death benefit when used.

Not tax or legal advice

We do not give tax or legal advice. Talk to a qualified tax professional or attorney about your situation.