Saval Insurance Group
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Saval Insurance Group is an independently owned and operated Insurance Agency that consults with individuals, businesses, and associations throughout the State of Florida and assists them with their insurance needs. As an independent agency, we are not owned by, nor do we solely represent, any one insurance company. We can therefore provide objective information to our clients, assisting them to make informed decisions about their insurance needs.

Please be aware that when you are thinking about moving forward with a health insurance plan, ALWAYS inquire about when the premium rates will change. Term Life Insurance and Whole Life Insurance are the two most common types of life insurance. Term life insurance provides protection for a specific period of time, while Whole life insurance provides lifelong protection.

Many Medicare recipients will need supplemental health insurance to fill in the gaps of what Medicare does not cover. A Medicare Supplement Insurance policy is designed to supplement Original Medicare.
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Saval Insurance Group is an independently owned and operated Insurance Agency that consults with individuals, businesses, and associations throughout the State of Florida and assists them with their insurance needs.
As an independent agency, we are not owned by, nor do we solely represent, any one insurance company.
We can therefore provide objective information to our clients, assisting them to make informed decisions about their insurance needs.
Searching for the right health insurance policy from the many plans available in the Florida market can be difficult.
From registered nurse, to private duty nurse for reclusive Palm Beach millionaires, to serving on the Healthcare Council Committee for the Greater Delray Beach Chamber of Commerce and on the advisory board for Keiser University; I've been in healthcare over 25 years.
As a teenager, I was a candy striper at Misericordia Hospital in the Bronx.
My first stint in the insurance field was as a case manager for Kemper National Services in Plantation, Florida managing Workman's Compensation cases for such companies as Johnson & Johnson.
Toby's time and assistance in helping me obtain a health-insurance policy was invaluable and most generous.
I would unequivocally recommend her to anyone who needs a new plan.
I have had the good fortune of working with Toby for more than five years now.
In that time she has responded not only to answer my questions, but also to help me understand the very complicated insurance world.
She has always been only a phone call away, and has always gone the extra mile to help my family.
I can think of no one I would rather go to for all of my insurance needs.
Please be aware that when you are thinking about moving forward with a health insurance plan, ALWAYS inquire about when the premium rates will change.
If you delay submitting an application, the premium may not be the same as that which was quoted.
Some carriers will increase the premium six months before a threshold date such as your birthday.
Do you know what the two most important features are that a health insurance plan should cover?
1) Various forms of medical care, such as: hospitalization, Doctor's visits, prescription drugs, laboratory services, X-rays, MRI, CT Scans, outpatient treatment and rehabilitation services (i.e.
It's impossible to say exactly what the best type of health insurance is.
There are many variables that go into choosing a health insurance plan that is best suited for you.
There are some basic guidelines and terms to know.
Selecting the best health insurance policy can help you save money and provide the best health care possible.
An HMO, or Health Maintenance Organization, is a plan that provides patients coverage within a network of doctors.
In an HMO, a client typically chooses a primary care physician (PCP) to be the regular doctor and issue referrals to specialists (also often members of the HMO) if necessary.
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