Your Guide to Health, Life, Auto, Home, and Supplemental Insurance in Florida
Whether you’re exploring health coverage, protecting your family with life insurance, or seeking added security with supplemental plans, we’re here to make everything simple and easy to understand. Below is a complete list of frequently asked questions — organized by category — to help you make confident decisions.
Health Insurance (ACA / Marketplace)
ACA Marketplace plans are health insurance options regulated under the Affordable Care Act. They cover essential health benefits and may include subsidies based on your income.
If you qualify based on your household size and income, subsidies (premium tax credits) can lower your monthly health insurance payments significantly.
You can enroll during Open Enrollment, or anytime of year if you qualify for a Special Enrollment Period (e.g., marriage, loss of coverage, birth, moving).
Yes — our licensed advisers offer bilingual support and guide you through the entire enrollment process.
Yes. As independent advisers, we compare several carriers to help you choose the most affordable and comprehensive plan.
Life Insurance (Term, Whole, IUL, Final Expense)
- Term Life: Covers you for a set period (10, 20, 30 years).
- Whole Life: Covers you for your entire life and builds cash value.
Most families choose 10–20× their annual income, depending on debts, dependents, and long-term goals. We help you calculate the right amount.
Some do, but many no-exam and simplified-issue policies are available.
Yes — eligibility depends on the condition. Our advisers help match you with carriers known for favorable underwriting.
Absolutely. We explain everything clearly in English or Spanish.
Auto Insurance
Coverage may include liability, collision, comprehensive, uninsured motorist, and personal injury protection (PIP).
Discounts may be available for safe driving, bundling home & auto, multi-car policies, defensive driving courses, and more.
Yes. We work with carriers that offer flexible solutions for new drivers, young drivers, and international license holders.
Yes. Florida requires minimum Personal Injury Protection (PIP) and Property Damage Liability.
Yes. Bundling often leads to significant savings and simplified billing.
Homeowners & Renters Insurance
It typically includes dwelling coverage, personal property, liability protection, and additional living expenses.
No — flood insurance is separate from homeowners insurance. We offer both standard NFIP and private flood insurance options.
Renters insurance protects your personal belongings, provides liability coverage, and covers additional living expenses.
Coverage is based on rebuild cost, not market value. We help calculate this using industry tools.
Yes — most policies cover damage caused by windstorms. Flood protection requires a separate policy.
Small Business Insurance
General liability, commercial property, workers' compensation, business interruption, commercial auto, and more.
To protect against lawsuits, property damage, employee injuries, cyber incidents, vehicle accidents, and unexpected business shutdowns.
Pricing depends on the business type, size, employees, assets, and risk levels. We shop multiple carriers to find the best rate.
Yes — many clients bundle business + personal lines for discounts and convenience.
Absolutely — we help independent contractors, freelancers, gig workers, and sole proprietors protect their income and assets.
Supplemental Insurance Plans (Accident, Cancer, Hospital Indemnity)
Accident Insurance FAQs
Supplemental coverage that pays cash if you suffer a covered accident or injury.
Fractures, dislocations, burns, sprains, concussions, emergency room visits, and more.
Yes — it helps cover deductibles, lost income, transportation, and non-medical costs not covered by standard health insurance.
Cancer Insurance FAQs
A supplemental policy that pays a cash benefit after a covered cancer diagnosis.
Yes — funds can be used for travel, childcare, groceries, bills, lost income, and more.
Those with a family history of cancer, high-deductible plans, or anyone wanting extra financial protection.
Hospital Indemnity Insurance FAQs
It pays daily cash benefits when you're hospitalized, regardless of what your health insurance covers.
Hospital stays, ICU care, surgeries, ER visits, ambulance services, and recovery-related expenses.
Yes — hospital indemnity plans for seniors help cover Medicare co-pays and out-of-pocket costs.
General FAQs About Working With Us
Yes. We compare multiple carriers to find the best fit for your needs.
Yes — all services are available in English and Spanish.
All of Florida, including Tampa Bay, Riverview, Ruskin, Wimauma, Valrico, Brandon, Parrish, Sarasota, Bradenton, and FishHawk.
Yes — our relationship-first approach means we're with you beyond enrollment.
You can Get a Free Quote, Book a Call, or reach out via phone or WhatsApp for personalized help.
Still Have Questions?
Our licensed advisers are here to help you understand your insurance options and find the perfect coverage for your needs.
Get personalized answers and expert guidance today.