ARCGF is a life insurance and retirement agency helping families and business owners understand their options, close coverage gaps, and plan confidently — with clear guidance and no pressure.
A & R Consulting Group Firm LLC, operating as ARCGF Insurance, is an independent licensed insurance agency headquartered in North Miami, Florida. We advise individuals, families, and business owners on life insurance, Indexed Universal Life, annuities, mortgage protection, and long-term wealth transfer strategies.
Our mission is to close the protection gap. Too many households carry coverage that was sold to them rather than built around them — the wrong amount, the wrong structure, or the wrong term for the obligations they actually hold. We exist to correct that, one properly designed plan at a time.
As an independent agency, we are not bound to any single carrier. That independence lets us structure a recommendation around the client's objectives, health profile, and time horizon first, then place the coverage with the carrier best positioned to underwrite it — rather than fitting the client to whatever product we are obligated to sell.
Every engagement begins the same way: a documented review of existing coverage, income replacement needs, and any estate or business continuity obligations. Clients receive complete carrier illustrations, including the guaranteed columns, before a policy is funded. We would rather lose a sale than place coverage a client does not understand.
Founded by Agu Ukaogo and Reginald Mattingly, the firm operates on a single standard: no client should discover the limits of their protection at the worst possible moment. That standard now governs every agent we bring on — how they advise, what they disclose, and how they remain accountable to the people who trust us with their planning.
Every family is different. We take the time to understand yours and build a plan that fits.
Give your family the peace of mind they deserve. Whether you need simple, affordable coverage or a policy that builds cash value over time, we'll find the right fit.
Guaranteed income you can't outlive. We help you plan for a retirement where you're comfortable, secure, and confident.
Annuities are insurance contracts; guarantees are backed solely by the claims-paying ability of the issuing insurer. Early withdrawals may be subject to surrender charges, market value adjustments, and IRS tax penalties. A suitability review (Florida Form DFS-H1-1980) is required before an application can be approved.
Protect what you've built and create a plan to pass it on. We help families and business owners safeguard their legacy.
"Insurance is not the product. The plan is the product — and our obligation is to build one that still works twenty years from now."A & R Consulting Group Firm LLC
Your business is part of your legacy. We help owners protect it, plan for what comes next, and take care of the people who make it run — with life-based strategies.
Protect the business against the financial loss of an owner or an essential employee.
Fund a buy-sell agreement so ownership transitions smoothly if a partner exits, retires, or passes away.
Put a plan in place so the business you built continues on your terms.
Executive bonus and supplemental strategies to reward and retain your key people.
Group and voluntary life benefits that help you attract and keep a strong team.
Life, IUL, and annuity strategies for you and your family, coordinated with your business plan.
Business solutions are life-based insurance strategies. Availability, features, and suitability vary by carrier, state, and situation; we offer only products for which we are licensed and appointed.
An advisory process built on analysis and disclosure rather than volume and pressure.
Every engagement opens with a structured review of your obligations, income, and existing coverage. No product is discussed until the need is documented.
Our agents are here to place the right coverage, not the largest premium. If the policy you already hold does the job, we will tell you so.
We specialize in strategies like IUL that don't just protect your family — they build cash value you may be able to access tax-efficiently in retirement.
Headquartered in North Miami and serving clients nationwide where licensed and appointed, with the same standard of service in every state.
Already covered? We will review the policy in force and document exactly what it provides, where the gaps sit, and what closing them costs.
We are expanding our roster of licensed advisors under structured training and supervision, so every client receives the same standard regardless of who they work with.
Most people think life insurance is just a death benefit. But the right policy — an Indexed Universal Life (IUL) — can also build cash value you may be able to access while you're still here to enjoy it.
Paying more than the minimum premium — within the IRS limits that keep a policy from becoming a modified endowment contract — can build cash value faster.
Cash value is credited based on the performance of a market index, subject to caps and participation rates, with a floor that limits losses from index declines. You are not invested directly in the market.
Policy loans and withdrawals are generally income-tax-free when the policy is properly structured and remains in force. Unlike qualified plans, there are no required minimum distributions.
Real talk about protecting your family and building wealth — no jargon, no fluff.
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Read More →ARCGF is expanding its advisory team. We are looking for licensed producers — and candidates willing to become licensed — who want to build a durable book of business inside a firm with real infrastructure behind them.
You bring the work ethic and the willingness to be coached. We provide structured training, direct carrier access, lead support, and supervision from advisors who have placed the cases you are learning to write. Compensation is commission-based with no cap.
We are building a firm where an advisor's reputation is worth more than any single commission. If you want to write business you would be comfortable explaining to the client's family ten years from now, there is a place for you here.
Consultations and quotes carry no obligation. Bring us what you have, or start from nothing — either way you will leave the conversation knowing exactly where your coverage stands.
Whether you need life insurance, annuities, or want to explore how an IUL can supplement your retirement income — our licensed agents can help. No obligation, no pressure — just clear analysis and a documented recommendation.