About Us - AICO FINANCIAL

Who Are We

AICO Financial is dedicated to providing top-tier risk management and financial planning services since 2011. Our expertise and personalized approach ensure we effectively meet our clients’ unique needs.

2011

Beginnings as an Advisor

Our CEO César Santos started working on the insurance business as an individual advisor

2016

Founding AICO Financial

Was the year that César Santos founded AICO FINANCIAL, with five years of experience in the industry of insurance and financial services.

2018

Becoming a Top Firm

AICO becomes one of the top insurance firms in the island of Puerto Rico, having a solid organizational structure of personal, commercial risks, as well as control & employee benefits.

2022

National Expansion & Reorganization

AICO begins its reorganization process and consolidates its position as a national insurance distributor.

2024

U.S. Market Acquisition

AICO successfully acquires an insurance agency in the United States, strategically expanding its distribution network and international market presence.

2025

Strategic Multi-State Expansion

AICO continues its growth by opening new offices in Florida and Iowa, strengthening its operational footprint and service capabilities across the United States.

2026

Serving 5,000+ Clients in Puerto Rico

In 2026, Aico Financial will continue growing its presence across Puerto Rico, proudly serving over 5,000 clients with tailored solutions in retirement planning, income protection, and wealth preservation.

About AICO Finalcial, LLC.

AICO Financial Since 2011

At AICO Financial, LLC., we pride ourselves on being fully dedicated insurance professionals, specializing in risk transfer and consulting services. Our expertise spans various aspects of life and business, including comprehensive financial planning. Our services encompasses investment strategies, retirement plans, risk management, and business succession planning.

Our office is structured into distinct groups, each focused on catering to the unique needs of our clients. Whether it pertains to property and casualty, life, health, disability insurance, or financial strategies, we are committed to delivering exceptional service. Through this approach, AICO Financial ensures top-tier quality and unwavering dedication, exceeding the diverse expectations of our clients.

What sets us apart is our ability to comprehend our clients’ genuine requirements, clearly define their objectives, and effectively manage their risks. This allows us to provide personalized advice for successful risk transfer. This dedication sets us apart not only as professionals but also as individuals committed to delivering excellence.

Years Experienced

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"Protecting your future means managing today's risks with expert care." - AICO Financial

Our History

For over a decade, we have effectively showcased our expertise in evaluating the unique needs of every individual and business client. Ensuring they experience financial and emotional well-being with our risk management programs. Our track record speaks successfully steering a deeper understanding of the importance of financial education in today’s world. This education has proven pivotal in addressing today’s risks. Hence, our aim is to expand our capabilities and achieve international growth, enabling us to sustainably deliver these much-needed services within our society.

About AICO Finalcial, LLC.

Founded in 2011

AICO FINANCIAL is an insurance firm owned by Hispanics, with offices located in Puerto Rico and Miami FL, also licensed in numerous states across the USA. Our team of specialists is dedicated to a single objective: empowering you to flourish and achieve your full potential, all the while ensuring your assets are safeguarded, granting you a sense of peace of mind.

AICO expertise

Our Capabilities

AICO possesses the expertise to design a robust and economical insurance program, surety, and employee benefit solutions that shield your business from unforeseen events.

Our services bring happiness to our clients. AICO covers all your insurance needs: life, annuities, health, disability, property casualty, and surety. We stand by your side when life throws its challenges at you.

AICO long-awaited goals

Our Mission

Our objective is to assist individuals in constructing and attaining their long-awaited goals while ensuring their protection. Our primary aim is to establish a solid financial base and execute successful risk transfers, accompanied by strategies customized to our client’s requirements.

We have effectively showcased our expertise over the years by working with executives, professionals, individuals, and business owners. We have implemented various strategies with the shared objective of safeguarding and growing our clients’ assets.

Associations

Proudly affiliated with top industry organizations, showcasing our commitment to excellence and professionalism.

Our Leadership

Meet César A. Santos-Seda, the visionary leader behind AICO Financial. With a steadfast commitment to excellence, his expertise drives our mission to deliver exceptional financial and insurance services, ensuring a secure future for every client we serve.