Our Story
We're Not Just Your Agents — We're Your Neighbors
A husband-and-wife team of licensed life and health insurance agents, rooted in Elmhurst, Queens — committed to helping every family we serve build lasting financial security.
Why We Started This Practice
We're Gita and Referika Marino — a husband-and-wife team who have called Elmhurst, Queens home for years. We started this practice because we kept seeing the same thing: families in our community going without the financial protection they deserved — not because they didn't care, but because no one had taken the time to sit down with them and explain their options in plain language.
We understand what it means to build a life in New York City. We know the sacrifices families make, the dreams they carry, and the very real fear of what happens if something goes wrong. That fear is exactly what good insurance and financial planning are designed to address.
So we got licensed, we got trained, and we opened our doors right here in Elmhurst — not in a downtown high-rise, but in the neighborhood where we live, shop, and raise our own family. Because we believe the best financial guidance comes from people who actually understand your life and share your goals.
What We Stand For
These aren't just words on a wall. They're how we show up for every family we serve.
Education First
We never sell before we teach. Every consultation starts with making sure you understand your options — no pressure, no jargon.
Community Rooted
We live and work in Elmhurst. The families we serve are our neighbors, and we take that responsibility seriously.
Honest Guidance
We recommend what's right for your family — not what pays us the highest commission. Your trust is worth more than any single sale.
Long-Term Partnership
We're not here for a transaction. We're here for the long haul — reviewing your coverage as your family grows and your needs change.
Meet the Team
Two people. One shared mission. Protecting the families.
Gita Marino
Gita is certified life and health insurance agent. He brings warmth, patience, and deep expertise to every client relationship. He is passionate about helping Elmhurst families — especially those new to financial planning — understand their options and build a secure future for the people they love.
Referika Marino
Referika is dedicated to making sure every family she works with feels heard, informed, and empowered — never pressured — when making decisions about their financial future.
Credentials & Affiliations
Let's Get to Know Each Other
A free 30-minute consultation is the best way to see if we're the right fit for your family. No obligation, no pressure — just an honest conversation about your goals.