FAQs

We’re independent, which means we shop over 100+ carriers to find the best fit for your needs — not the carrier’s. Our goal is to help you understand your options clearly and avoid overpaying for coverage that doesn’t serve you.

No. We’re compensated by the insurance companies, so there’s no cost to you — whether you're an individual, family, or business.

Absolutely. Many clients come to us overwhelmed or unsure where to start. We simplify the process, explain your options in plain language, and tailor everything to your goals and budget.

We specialize in helping independent workers find affordable, tax-advantaged coverage — including plans that don’t rely on employer sponsorship or the marketplace.

Yes — we have group plans that start at just one employee. This can open up more options and may create tax advantages for your business.

Yes, in many cases. We can help you qualify for Special Enrollment Periods or explore private and short-term plans available year-round — especially if you’ve recently lost coverage, changed jobs, moved, or had a life event.

Marketplace (ACA) plans are government-regulated and may offer subsidies based on income. Private plans are available outside the marketplace and may include broader provider networks or lower costs, depending on your situation. We’ll walk you through both.

Yes. Many of our private plans include national PPO networks, giving you the flexibility to see doctors or specialists without referrals — including outside of Florida, if needed.

We’ll make sure you’re protected. ACA plans are guaranteed issue, and we also have private options that work well for many common conditions. We’ll be transparent about what each plan covers.

We do. These can be combined with health coverage or offered as standalone plans for individuals and groups.

Absolutely. Offering health coverage can improve employee satisfaction, reduce turnover, and lower your tax liability — even for small teams. We’ll help you structure a plan that fits your goals and budget.

Not at all. Whether you want to cover a mortgage, protect a partner, or leave behind a legacy, we’ll help you build a plan that works — no matter your age or family status.

If you rely on your income (and most people do), disability insurance is one of the smartest financial tools you can have. We offer options that fit a range of budgets, especially for self-employed professionals.

In many cases, yes. We can structure life and disability policies for business owners and high-income earners to create potential tax benefits — let’s talk about what’s possible in your specific situation.

We stay with you. Whether it’s claim help, plan adjustments, or annual reviews — we’re here for the long term, not just the sign-up.

Yes. While we’re not the insurance company, we act as your advocate and will help you troubleshoot or escalate concerns when needed.