Meet the Founders.

The people building the #1 multinational life insurance organization in the U.S.
Real people. Real results. Real mission.

The People Behind the Vision

Meet the founders who turned ambition into action. From every corner of the world, these leaders built something real — not just agencies, but movements. Each story is different. The drive is the same.
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Istvan Kovalkovits

Founder of FLOW
Originally from Budapest, Hungary, Istvan is the founder of FLOW International, one of the fastest-growing multicultural life insurance agencies in the U.S., generating over $20 million in sales in the past two years.
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Karelin Marte

Founder of BRICKELL FINANCIAL GROUP
Originally from Mexico, Karelin is a former U.S. bodybuilding champion who has successfully channeled her discipline and competitive mindset into entrepreneurship.
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Alessio Tomasoni

Founder of WAVE
Alessio started as an entrepreneur in Italy, where he built and sold his first company, then moved into the U.S. insurance space and now focuses on building teams and scaling IMOs nationwide.
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Lorena Pena

Founder of THE ONE
Lorena Peña is the founder of THE ONE IMO. After relocating from Ecuador to the United States with her family, she built a thriving Hispanic-focused agency committed to empowering agents and creating opportunities for families nationwide.
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Arianna Capriglione

Founder of THE ACT FINANCIAL
Originally from Connecticut, Arianna began her career as a hairstylist before discovering the opportunities within the life insurance industry and successfully making the transition.
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Lubens Louis

Founder of THE B&M TEAM
Originally from Haiti, Lubens is a former professional volleyball player in the U.S. who transitioned into the life insurance industry. In 2025, he became a top producer, generating over $300,000 in sales.
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Sandra Hernandez

Founder of NORTHSTAR FINANCIAL GROUP
Originally from Cuba, Sandra is a dedicated mother and passionate advocate for animals. She became a top producer in the Spanish-speaking market in 2025, demonstrating strong performance.
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Marcial Gonzalez

Founder of REBORN AGENCY
Marcial sees Reborn Agency as a platform for structured growth. By combining the right mentorship, systems, and leadership, the agency empowers individuals to build strong, sustainable teams.
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Alfredo Marina

Founder of REBORN AGENCY
Alfredo is proud to announce the partnership with FLOW International. After achieving over $1 million in sales last year, he saw the opportunity to accelerate growth through this collaboration.
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Pablo Bohorquez

Founder of THE FORTUNE TEAM
Originally from Ecuador and husband to Lorena, Pablo is a dedicated father of three. He has been in the life insurance industry for over two years, with a strong focus on growth and leadership.