Ron Espiritu


“”I make no reservation in attesting to Ron’s character and expertise. I only wish we met him sooner .”

– James S. H., Retired USAF

About My Agency

Kapolei Insurance & Annuity Center, LLC (KIAC) was established in the Second City of Kapolei, the fastest growing area of Oahu in 1997 by Ron Espiritu. Ron has been a resident of Makakilo/Kapolei since 1989. He started financial services practice in early 1990 and soon realized the need to provide his expertise primarily to residents of Kapolei.  Kapolei has experienced phenomenal growth since then, growing from under 12,000 houses to over 36,000 in 2012 and the population has more than doubled since. He has experienced the “growing pains” of Kapolei, along with its residents, workers, and business owners. Our original office was located at the James Campbell Building, the headquarters for The Estate of James Campbell that owned most of the land in the area.

Kapolei Insurance & Annuity Center, LLC, is an independent insurance agency concentrating in life insurance, annuities, long-term care, and retirement planning. We work only with well-established insurance companies that have strong industry ratings. Our consumer friendly partner companies have competitive rates, an array of products, and provide consistent quality service.

We are a full service agency for individuals and businesses needing to protect their assets from the uncertainties of life, including inflation and stock market volatility.  Our commitment is to educate our clients so they can make informed and sound financial choices. We show our clients how to create and implement a sound financial and retirement plan. We believe that there is no one-size fit all solution for individuals, families or business owners. Each client is unique so our recommendations are tailored to each client’s situation. Our clients Sleep Well at Night!

Kapolei Insurance Will Always:

Personalize Our Service

My clients all have slightly different retirement goals and my agency creates a unique strategy for each client one to maximize their financial return.

Maximize Retirement Planning

Why trust anyone with your retirement future? My agency has the experience and support staff to reach you future goals. We build customized solutions for all clients.

Process Apps Quickly

Time is critical when planning for your future and we waste no time processing the paperwork that will allow for you to retire happy.

Get started with my free downloadable Retirement Roadmap:   Download Roadmap