About Us
We've been helping families in Rijeka and beyond figure out their life insurance for 19 years now. And honestly? Most people come to us confused. They've either got no coverage at all, or they're paying too much for something they don't understand. That's what we fix. Freedom & Associates isn't some corporate office where you're just a number. We're actual people who get why this stuff matters — because we've seen what happens when families aren't prepared. So we keep things straightforward. No jargon. No pressure. Just real conversation about protecting what you've built.
Over time, we’ve built a reputation for reliability, quality, and clear communication. We treat each project as a partnership and aim for outcomes that last.
Meet Our Team
The people behind Freedom & Associates
Marko Horvat
Founder & Head of Client Relations
Started Freedom & Associates after watching too many families scramble. Marko's been in insurance 31 years and still takes every client call personally. Believes boring is better than fancy.
Ana Jurić
Senior Life Insurance Advisor
Ana's been with us since year three. She's got a way of breaking down complex policies so they actually make sense. Her clients trust her recommendations because she never oversells.
Petar Nikolić
Claims & Support Specialist
When things get rough, Petar's your person. He handles claims with patience and knows how to push back with insurers when families need it. Sixteen years here and counting.
We’re a team that values ownership, clarity, and growth. We celebrate wins, learn fast, and keep client outcomes at the center.
Our Approach
Our approach combines proven methods with modern tools. We start with discovery, align on goals, plan clearly, and execute with quality checks at every step.
Our Core Values
The principles that guide everything we do
Honesty First
We tell you what you actually need. Not what makes us the most commission. If you're overinsured or underinsured, we say so. That's earned us 23 years of repeat clients and referrals.
Real Relationships
You're not a policy number here. We remember your kids' names. We check in when life changes. These connections matter because they drive us to actually care about outcomes.
Local Knowledge
We understand Rijeka. We know the employers here, the cost of living, the families we serve. That local context shapes better advice than any national algorithm could.
Straight Talk
No corporate-speak. No dodging hard questions. If something's confusing, we explain it until it isn't. Insurance doesn't need to sound like a different language.
Our Story
Started back in 2005 when our founder realized that local families were either getting ripped off by big insurers or flying blind without any coverage at all. That frustration became the reason we opened our doors. For two decades, we've built our reputation the old-fashioned way: one family at a time, keeping our promises, and being honest when big insurance companies weren't. We've outgrown our original office twice, but we've never outgrown our commitment to doing right by our clients.
Company founded with a team of 3 passionate professionals
Expanded services and reached 500+ satisfied customers
Opened new headquarters and doubled our team size
Celebrated serving over 2,000 clients with 98% satisfaction rate
Our Mission
Help local families lock in affordable protection without the confusion or sales tactics. We believe life insurance should be simple to understand and easier to get. Your family's financial security matters too much for anything less than straight talk and genuine expertise.
Our Vision
A community where nobody worries about whether their loved ones are protected. We want families in our region to feel confident about their coverage — not because they read fine print, but because someone they trust explained it clearly.
Why Choose Us
Experienced Team
Our professionals have decades of combined experience. We've seen it all and know how to handle any challenge.
Quality Guaranteed
We stand behind our work with comprehensive guarantees. If you're not satisfied, we'll make it right.
Fair Pricing
Transparent, competitive pricing with no hidden fees. You'll always know exactly what you're paying for.
Proven Results
Thousands of satisfied customers and a track record of successful projects speak for themselves.