We are NOT A QUOTE ENGINE! Quote engines spit out quotes for life and health insurance that do not apply to the average person looking for insurance. As such they are not realistic but simply designed to get you into their system so they can pester you with phone calls and emails. Most of the time they quote prices that are for those very few individuals who are in absolutely perfect health- no medications, hospitalizations, no adverse family history.
Most importantly, they do not service insureds once enrolled. They spend all their time selling. We are a FULL SERVICE INSURANCE AGENCY. We spend most of our time providing after-sale service. In short, we treat others the way we would like to be treated. Whether it is employee benefits for you and your employees or individual life and health insurance for yourself, you will find, as our existing clients have discovered, that we ALWAYS put your interests first.
As an independent agency we are able to provide insurance coverage from a wide variety of insurance companies.
Most importantly, they do not service insureds once enrolled. They spend all their time selling. We are a FULL SERVICE INSURANCE AGENCY. We spend most of our time providing after-sale service. In short, we treat others the way we would like to be treated. Whether it is employee benefits for you and your employees or individual life and health insurance for yourself, you will find, as our existing clients have discovered, that we ALWAYS put your interests first.
As an independent agency we are able to provide insurance coverage from a wide variety of insurance companies.
Services
We strive to help you put together an attractive benefit package that will help you attract and retain skilled and key employees.
As independent brokers we have the ability to access the products from all participating insurance companies.
Since all brokers can offer all products the primary difference you will find between agencies is the level of service.
There is none better than ours and we prove it everyday.
Health insurance- there are a wide variety of group medical products available in the Florida marketplace.
As independent brokers we have the ability to access the products from all participating insurance companies.
Since all brokers can offer all products the primary difference you will find between agencies is the level of service.
There is none better than ours and we prove it everyday.
Health insurance- there are a wide variety of group medical products available in the Florida marketplace.
We offer life insurance, major medical and dental benefits, long term/home health care insurance, Medicare supplements and Plan D Rx coverage.
Again, as independents we are typically able to bring more coverage options to the table from a wide variety of quality products.
With our long time exposure to the Florida marketplace and continuous research we know which insurance companies can be counted on to be there when needed.
There are an enormous number of options available in the individual market place in Florida.
Again, as independents we are typically able to bring more coverage options to the table from a wide variety of quality products.
With our long time exposure to the Florida marketplace and continuous research we know which insurance companies can be counted on to be there when needed.
There are an enormous number of options available in the individual market place in Florida.
Term insurance- term insurance typically provides a fixed amount of death benefit for a premium that is guaranteed for a specific amount of time, typically 10, 20, or 30 years.
At the end of that guaranteed period the rates begin to increase, often dramatically.
Term policies do not have cash values.
Whole life- whole life insurance provides a guaranteed death benefit with a guaranteed level premium for the whole life of the insured.
These policies do have a component that builds cash values during the life of the contract.
At the end of that guaranteed period the rates begin to increase, often dramatically.
Term policies do not have cash values.
Whole life- whole life insurance provides a guaranteed death benefit with a guaranteed level premium for the whole life of the insured.
These policies do have a component that builds cash values during the life of the contract.
With the Supreme Court's recent ruling on the Federal Affordable Healthcare Act the health insurance market will be undergoing some significant changes in the very near future.
Options for the consumer and employer will be changing.
While many of the Acts changes have begun being implemented since 2010 the most significant changes will occur in 2014.
Our agency spends a great deal of time staying on top of these changes and becoming educated about the widespread effect of the Act on the marketplace, the employer and the individual.
Options for the consumer and employer will be changing.
While many of the Acts changes have begun being implemented since 2010 the most significant changes will occur in 2014.
Our agency spends a great deal of time staying on top of these changes and becoming educated about the widespread effect of the Act on the marketplace, the employer and the individual.
Employers- we can provide group dental coverage for businesses with as few as two employees.
We typically recommend that dental insurance be offered on a voluntary basis, saving employer dollars for other uses.
Plans are available that allow the use of any dentist as well as lower cost plans that require selection and use of a participating dentist.
Individuals- though there are limited dental plans for individuals in Florida there are some very low cost plans that can offer significant savings.
We typically recommend that dental insurance be offered on a voluntary basis, saving employer dollars for other uses.
Plans are available that allow the use of any dentist as well as lower cost plans that require selection and use of a participating dentist.
Individuals- though there are limited dental plans for individuals in Florida there are some very low cost plans that can offer significant savings.
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