Carbajal, Michael, Jr, 89, of Brooklyn NY and Riverview, FL passed away on October 20, 2018. He was born in Manhattan to Miguel and Ursicina Carbajal, both from Spain. Michael proudly served in the US Army during the Korean Conflict.  He owned and operated Carbajal Insurance in Brooklyn, NY. Michael was well known for his "On The Level" column for storefront brokers published in The Insurance Advocate.  He also had a passion for sailing and enjoyed traveling, Michael is survived by Rose his loving wife of 19 years, his son Michael, III; sister Pilar; daughters Jean-Marie, and Yolanda, grandson, Adam; granddaughter, Haley, great-granddaughter, Shea, and niece, Bettina.