Scarlet Crest Life

A practical approach to life insurance, long-term care, and retirement.

Built around what your family actually needs — and what your budget actually allows.

  • Independent · Multi-Carrier

  • Texas-Licensed

  • Independent · Multi-Carrier

  • Texas-Licensed

Fernie Rizo

Founder

About Scarlet Crest

Protect what matters.

Build what's next.

Scarlet Crest Life helps families and business owners protect what matters and build what's next.

We're independent. San Antonio-based. Texas-licensed. Built on integrity, guided by clarity. Whether you're a young family setting your foundation or a business owner planning a graceful exit, we bring the same care, the same craft, and the same commitment to straight answers.

Independent · Multi-Carrier Access

Trusted by America's leading carriers

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What we do

Three pillars. One coordinated plan.

Life Insurance

Protect the people who depend on you. Term and permanent coverage built around your life — including final expense and modern instant-decision platforms.

Long-Term Care

Have a plan in place before you need it. Flexible approaches for clients in their 40s through their 80s. It's never too late.

Learn More

Retirement

Build wealth. Create income you can't outlive. Whether setting up a Roth IRA or taking control of an old 401(k), we're here to help.

Why Scarlet Crest

The difference is in how we work.

01

Independent and multi-carrier

We work for you, not a single insurance company. That gives us access to every legitimate path forward — from convenient online options to traditional underwriting when your situation is more complex.

02

Plain language. Practical approach.

We translate the jargon into decisions you can actually make. Clear thinking, straight answers, and a plan you understand.

03

For individuals and business owners

The same firm serves your family and your company — protection and retirement planning for individuals, plus key person coverage, group benefits, and succession strategies for owners.

In his own words

Watch a 90-second intro from Fernie.

How it works

Three simple steps to a plan you understand.

1

Schedule

Book a free 15-minute intro call, or start a quick online application.

2

Strategize

We review your goals and design a plan tailored to you. No pressure, no jargon.

3

Secure

Put your plan in place and gain the peace of mind that comes with intentional protection.

Ready to take the next step?

No pressure. No obligation. Just clarity.

Whatever stage you're in, we'll meet you there.

Start Online

Independent. San Antonio-based. Texas-licensed. Helping families and business owners protect what matters and build what's next.

© 2026 Scarlet Crest Life. All rights reserved.

Independent · Multi-Carrier · Texas Licensed