#Independent Insurance Agents in Florida

[lighthouseia]

Independent Insurance Agents in Florida: Why Choose Lighthouse Insurance Advisors

When it comes to protecting your assets and future, insurance is a critical tool. In Florida, where natural disasters like hurricanes and floods are common, choosing the right insurance coverage is essential. However, navigating the complex world of insurance policies can be overwhelming, especially with so many options and companies available. This is where independent insurance agents come in. Independent agents offer a more personalized and tailored approach to insurance, and Lighthouse Insurance Advisors is a prime example of an agency that puts clients first. In this article, we will explore the benefits of working with independent insurance agents in Florida and why Lighthouse Insurance Advisors is a trusted partner for individuals and businesses alike.

What Are Independent Insurance Agents?

Independent insurance agents are professionals who work with multiple insurance carriers rather than being tied to a single company. This allows them to offer a wide variety of insurance products and policies from different providers. Unlike captive agents, who can only sell policies from one company, independent agents can compare options from various insurers to find the best fit for their clients' needs.

Key Benefits of Independent Insurance Agents:

More Options: Independent agents have access to a wide network of insurance companies, giving clients more options for coverage and price comparison.

Personalized Service: Independent agents take the time to understand the specific needs of their clients, offering customized solutions rather than a one-size-fits-all approach.

Unbiased Advice: Since they are not tied to a single provider, independent agents offer unbiased advice that prioritizes the client's interests.

Local Expertise: Independent agents often have a deep understanding of the local market, laws, and risks, which is particularly important in states like Florida, where natural disasters are common.

Why Choose Independent Insurance Agents in Florida?

Florida presents unique challenges when it comes to insurance. The state is prone to hurricanes, floods, and other natural disasters, making it vital to have the right coverage in place. Independent insurance agents in Florida are well-versed in the specific needs and risks of the state and can provide guidance on selecting the best policies for comprehensive protection.

Benefits of Working with Independent Insurance Agents in Florida:

Tailored Policies for Florida's Risks: Independent agents can help you choose coverage that addresses the risks unique to Florida, such as hurricane, flood, and windstorm damage.

Competitive Rates: By working with multiple insurance carriers, independent agents can shop around for the best rates, ensuring you get coverage that fits your budget without sacrificing quality.

Flexibility: If your insurance needs change over time, independent agents can easily help you switch providers or update your policy without starting from scratch.

Claims Assistance: In the event of a claim, independent agents act as advocates for their clients, helping them navigate the claims process and ensuring fair settlements.

The Advantages of Working with Lighthouse Insurance Advisors

Lighthouse Insurance Advisors stands out as a top choice for independent insurance agents in Florida. With a commitment to personalized service, a client-first approach, and a wide range of insurance products, Lighthouse has earned a reputation as a trusted advisor in the insurance industry.

1. Comprehensive Range of Insurance Products

Lighthouse Insurance Advisors offers a broad spectrum of insurance solutions, catering to both individuals and businesses. Their products include:

Home Insurance: Protect your property and belongings from natural disasters, theft, and other risks.

Auto Insurance: Get the right coverage for your vehicle, ensuring peace of mind on Florida’s busy roads.

Business Insurance: Safeguard your business with customized insurance policies that protect against liability, property damage, and more.

Life Insurance: Plan for your family's future with life insurance policies that provide financial security in the event of the unexpected.

2. Personalized Coverage Solutions

At Lighthouse Insurance Advisors, the team understands that every client’s insurance needs are unique. Whether you're a homeowner looking for comprehensive coverage or a business owner needing liability protection, Lighthouse takes the time to understand your specific requirements. Their agents provide tailored insurance solutions that align with your needs and budget, ensuring you are adequately protected without overpaying for unnecessary coverage.

3. Experienced and Knowledgeable Agents

Lighthouse Insurance Advisors employs a team of experienced and knowledgeable agents who specialize in the Florida insurance market. With years of experience navigating Florida’s unique risks, including hurricanes and floods, the team is well-equipped to offer expert advice on the best policies to safeguard your assets. Their in-depth understanding of local regulations and insurance requirements ensures that clients receive the most relevant and effective coverage.

4. Unbiased, Client-First Approach

As independent insurance agents, Lighthouse Insurance Advisors is not tied to any single insurance provider. This means they can offer unbiased advice and help clients compare policies from multiple insurers to find the best fit. Their client-first approach ensures that the recommendations they provide are based on what’s best for you, not for any particular insurance company.

5. Support Throughout the Claims Process

In the unfortunate event that you need to file a claim, Lighthouse Insurance Advisors is there to support you every step of the way. Their agents act as advocates for their clients, guiding them through the claims process, answering questions, and working to ensure a fair resolution. This personalized assistance can make a significant difference in the outcome of your claim, providing peace of mind during a stressful time.

Why Independent Insurance Agents Matter in Florida’s Evolving Insurance Market

The insurance landscape in Florida is constantly changing. From fluctuating rates to new regulations and coverage options, staying up to date with the latest developments can be challenging. Independent insurance agents, like those at Lighthouse Insurance Advisors, play a crucial role in helping clients navigate this evolving market. They stay informed about industry trends and changes, ensuring that clients always have access to the most current and effective insurance solutions.

Additionally, as Florida continues to experience extreme weather events, having a knowledgeable independent insurance agent by your side is more important than ever. Lighthouse Insurance Advisors understands the impact of these changes and works diligently to help clients stay protected against emerging risks.

Conclusion

Choosing an independent insurance agent in Florida is one of the smartest decisions you can make to ensure that you have the right coverage at the best price. Independent agents offer a level of flexibility, personalized service, and local expertise that captive agents simply cannot match. Lighthouse Insurance Advisors, with their client-first approach, comprehensive range of insurance products, and deep knowledge of the Florida insurance market, is a trusted partner for individuals and businesses seeking reliable and effective insurance solutions.

If you’re looking for an independent insurance agent in Florida who can provide you with unbiased advice and tailored coverage, contact Lighthouse Insurance Advisors today. Their experienced team is ready to help you navigate the complexities of insurance and ensure you’re protected from whatever life may bring.

[carinsu2024]

What do drivers need to know about a car insurance broker?

Car insurance brokers play a crucial role in helping drivers find the right insurance coverage for their needs. Here are some key things that drivers should know about car insurance brokers:

Independent Agents

Car insurance brokers are independent agents who work with multiple insurance companies, unlike captive agents who represent only one company. This independence allows brokers to compare quotes from various insurers and find the best coverage and rates for their clients.

Expertise and Advice

Brokers are typically knowledgeable about different insurance policies and can provide expert advice on coverage options that suit your specific needs. They can help you understand the terms and conditions of policies, coverage limits, and other important details.

Comparison Shopping

Brokers can save you time by obtaining and comparing quotes from multiple insurance companies on your behalf. This ensures that you have access to a range of options and can choose the one that best fits your requirements and budget.

Personalized Service

Brokers often provide personalized service, taking the time to understand your unique situation and tailor insurance recommendations accordingly. They can also assist with making changes to your policy or handling claims.

Costs and Commissions

Brokers are usually compensated through commissions paid by the insurance companies they work with. While this may raise concerns about potential bias, reputable brokers prioritize finding the best coverage for their clients. It's important to discuss and understand how the broker is compensated and whether there are any fees involved.

Licensing and Credentials

Ensure that the insurance broker is licensed and regulated by the appropriate authorities in your jurisdiction. This helps verify their legitimacy and adherence to professional standards.

Communication

Effective communication is key. Make sure to clearly convey your insurance needs and ask any questions you may have. Stay in touch with your broker for updates on policies, changes in coverage, or to address any concerns.

Claims Assistance

A good broker will assist you in the claims process, helping you navigate the complexities and ensuring that you receive fair compensation in the event of an accident or loss.

Policy Reviews

Periodically review your insurance policies with your broker to ensure they still align with your needs and circumstances. Life changes, such as buying a new car or moving to a new location, may require adjustments to your coverage.

Customer Reviews and Reputation

Before choosing a car insurance broker, it's advisable to check customer reviews and the broker's reputation. This can provide insights into their level of service and customer satisfaction. By understanding these aspects, drivers can make informed decisions when working with a car insurance broker to secure appropriate coverage for their vehicles.

Progressive Car Insurance Review in Florida

[marie1-kersaint]

Check out this post on Nextdoor: https://nextdoor.com/p/tJrbyyfPrRys?utm_source=share&extras=NjQ0NzkxODQ%3D 🏤 if you don’t want people to have your SS#‼️

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👇floridablue answers kersaint's plea 2BLEEP OUT🤐😷 FLORIDABLUE'S caller's social security # from TRAINING CLASSES‼️

Will FLORIDABLUE 🛑⛔️{ unforbidden} salespeople from selling FLORIDABLUE PLANS with DENTAL if that is the best PLAN that the customer QUALIFY for⁉️

i am sorry for wasting your valuable time BUT i was not sure that the customers PHI were protected

MD

marie demosthenes

Tue 12/12/2023 6:29 PM

i am sorry for wasting your valuable time BUT i was not sure that the customers PHI were protected i asked 2 key FIORELLA office staff to please ask FLORIDA BLUE TO REMOVE MEMBER'S PII FROM THE RECORDED CALLS THAT WERE GOING TO BE PLAYED TO TRAINING CLASSES



See 3 more messages

TH

Talane St Hilaire <thilaire@fioins.com

To: You

Cc: +5 others

Wed 12/13/2023 11:58 AM

Marie,

 

Thank you for your email.  Please accept this reply as a response to the concerns you raised with respect to the protection of Protected Health Information (PHI). 

Fiorella is committed to safeguarding our clients’ personally identifiable information (PII) and PHI, and has enacted robust controls to prevent the unauthorized use or disclosure of PHI and PII.  These controls include the issuance of numerous policies that govern our employees’ conduct and establish clear rules for protecting PHI and PII, comprehensive online and in person training, and state-of-the-art systems and tools to ensure that all PHI and PII is encrypted.

 

With respect to policies, the following expressly establish requirements and expectations with respect to handling PHI and PII:

• AssuredPartners Employee Handbook;

• Fiorella Code of Conduct; and

• Fiorella Privacy and Protecting PHI and PII Policy (Privacy Policy).

Each employee is required to execute an acknowledgement of these policies certifying that they have read and understand the policies.  The Privacy Policy defines terms and explains in plain language the restrictions on the use and disclosure of PHI and PII. 

Employees also are required to take online training that addresses proper handling of PHI and PII through SkillSoft’s learning management system, in addition to in person training provided by Fiorella’s management team.  Additionally, the Compliance team issues monthly compliance newsletters, which have reminded employees of their obligation to safeguard our clients’ PHI and PII.  The Compliance team is available as a resource should any agent have a question or concern.

 

In addition to the resources and compliance requirements imposed by Fiorella, each agent also has independent obligations by virtue of state licensing requirements and the Federally-facilitated Marketplace Agreement each agent must sign before he or she begins to sell plans.

 

Thank you again for your inquiry.  We trust that the above addresses your concerns.

 

Best,

 

Ta’Lane St Hilaire | HR Generalist

Fiorella Insurance Agency

5500 Village Blvd. | Suite 201 | West Palm Beach, FL 33407

Email: thilaire@fioins.com (mailto:thilaire@fioins.com)   ( D ) 772.999.6274 

Marie K Demosthenes  Text  2123700831

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🏤 if you don’t want people to have your SS#‼️

🏤 https://www.facebook.com/share/p/JWyUV97s4zpPo4da/?mibextid=WC7FNe ‼️‼️

👇floridablue answers kersaint's plea 2BLEEP OUT🤐😷 FLORIDABLUE'S caller's social security number



WILL FLORIDABLUE SELL THE BEST PLAN FOR CUSTOMERS NEED even with NO TRIFECTA 😱⁉️

https://gab.com/Demosthenes100964outlookcom/posts/111585863640618246

🏤 if you don’t want people to have your SS#‼️

🏤 share‼️‼️

👇floridablue answers kersaint's plea 2BLEEP OUT🤐😷 FLORIDABLUE'S caller's social security number



WILL FLORIDABLUE SELL THE BEST PLAN FOR CUSTOMERS NEED even with NO TRIFECTA 😱⁉️

https://gab.com/Demosthenes100964outlookcom/posts/111585854218052034

[apothicare360pharmacy]

Your Healthcare Companion: Health Insurance Near Me

Alliance Health Group

3104 N Armenia Ave, Tampa, FL 33607, United States

+18135014006

health insurance near me

In a world where health takes precedence, securing comprehensive health insurance is not just a wise decision, but it's also a testament to your commitment to your well-being. Navigating the complex landscape of health insurance can be challenging, but with the support of dedicated professionals like Alliance Health Group, you can access the coverage tailored to your unique needs. In this blog post, we'll explore the importance of having accessible health insurance options near your location, the roles played by health insurance agents, brokers, and agencies, and how they can guide you in finding the best health insurance solutions, including Medicare, right in your local community, whether you're in Tampa or the surrounding areas.

The Significance of Health Insurance Near Me

Convenience of Care: Having health insurance near your location ensures easy access to healthcare providers and facilities, enabling you to seek medical assistance promptly when required.

Emphasis on Prevention: Health insurance encourages preventive care, such as regular check-ups and screenings. This proactive approach can lead to early detection of health issues, potentially resulting in better health outcomes and cost savings.

Financial Peace of Mind: Health insurance serves as a financial safety net against unexpected medical expenses, offering reassurance and reducing the financial burden during periods of illness or injury.

Roles of Health Insurance Professionals Near Me

Health Insurance Agents: These professionals represent specific insurance companies and are well-versed in the policies offered by their respective companies. They can provide tailored recommendations based on your needs.

Health Insurance Brokers: Brokers are independent and can offer policies from multiple insurance companies. They provide a wider range of options, helping you compare plans to find the one that best aligns with your needs and financial situation.

Health Insurance Agencies: Agencies often have a team of agents and brokers who work together to provide a comprehensive array of health insurance options. They assist in navigating the complexities of health insurance and provide personalized guidance.

Medicare Insurance Near Me

For those nearing retirement age, understanding and enrolling in Medicare is a crucial step. Here's how health insurance professionals can assist:

Medicare Insurance Agents: These agents specialize in Medicare plans and can help you select the most suitable coverage based on your healthcare needs and financial circumstances.

Medicare Insurance Brokers: Independent brokers offer a variety of Medicare plans from different providers, enabling you to compare options and find the plan that aligns with your specific requirements.

Medicare Insurance Agencies: Agencies focusing on Medicare can provide expert advice on Original Medicare, Medicare Advantage, and Medicare Supplement plans, ensuring you make informed decisions about your healthcare coverage.

Alliance Health Group in Tampa

For residents of Tampa seeking health insurance solutions, Alliance Health Group is a trusted ally. Whether you're an individual searching for affordable health insurance, a family in need of comprehensive coverage, or a senior exploring Medicare options, Alliance Health Group has the expertise to assist you. Their dedicated team, comprising agents, brokers, and advisors, is committed to helping you find the right health insurance plan tailored to your specific needs.

Affordable Health Insurance Tampa

Alliance Health Group understands the importance of affordability in health insurance. They can guide you through a range of options to identify an affordable plan that provides the coverage you need.

Individual Health Insurance Tampa

If you're in search of individual health insurance in Tampa, Alliance Health Group can provide you with personalized solutions tailored to your unique health and financial needs.

Health Insurance Plans Tampa

Alliance Health Group offers a diverse range of health insurance plans in Tampa, catering to individuals, families, and seniors. They can assist you in exploring these plans and finding one that aligns with your healthcare objectives.

Conclusion

Securing health insurance near your location is an essential step in safeguarding your health and financial well-being. Health insurance professionals, including agents, brokers, and agencies, such as Alliance Health Group, play a pivotal role in simplifying the complex world of healthcare coverage. Whether you're seeking individual health insurance, exploring Medicare options, or looking for family coverage in Tampa or nearby areas, these experts can guide you in making informed decisions that align with your needs and financial situation. Remember, your health is your greatest asset, and investing in the right insurance coverage is a proactive step toward ensuring a healthy and financially secure future

[cogitateus]

How Cogitate helped an insurance company overcome their challenges

Cogitate was the result of insurance veterans joining hands with tech experts, making them perfect for insurance companies that are looking to automate or digitize their services. We are leaders in accelerated digital insurance for wholesale brokers, MGAs, and carriers. In this blog, we will cover one of our clients, Southern General Insurance Company (SGIC), their challenges, and how our team overcame those challenges and improved their results. Let’s take a deeper dive into all of the details of this incredible journey.

About Southern General Insurance Company (SGIC)

Through MGA  Wholesale Insurance Broker and Insurance House, Southern General Insurance Company (SGIC), a provider of property and casualty insurance, offers independent agents personal lines insurance products. Coverage is sold in Alabama, Delaware, Georgia, Florida, Maryland, North Carolina, Pennsylvania, South Carolina , Tennessee , Virginia , and Washington D.C.

Challenges faced by SGIC

SGIC faced slippage in the identification of attorney demand letters, and adjusters overlooked a number of cases that resulted in claims of bad faith. Their team also claimed that managing responses and keeping track of conversations with the claimants' solicitors proved to be challenging tasks.

The manual approach that they had been using was time-consuming, expensive, and prone to errors, and the danger of bad-faith exposures to SGIC was always substantial. In certain cases, these problems resulted in litigation with hefty defense and settlement costs. To automate the demand letter detection and monitoring process, SGIC chose Cogitate DemandAssist.

How we helped SGIC

One of the major factors that helped SGIC gain our trust was our understanding of insurance. After going through all the challenges they were facing using their previous methods, we instilled four features that could help them overcome all the challenges. Here is the list of those features:

OCR and text mining of documents from ImageRight (SGIC’s document management system)

AI and machine learning for high-precision pattern identification of attorney demand letters

Automated, integrated notification service to alert the adjuster team of demand letters and response deadlines for zero slippage.

Track negotiation details with attorneys, such as offer amounts and the dates presented.

All these features helped them successfully navigate through their challenges and get the desired results.

Results

These were the results that SGIC obtained after our input:

99.20% demand identification accuracy from their previous 64.36%.

$2.4 million in demands identified (monthly average).

A massive 48% reduction in demand handling cycle time

New demand identification is down from 5 days to less than 24 hours.

15,000+ pages of accelerated identification processed daily.

Conclusion

Our partnership with SGIC was an exciting project that turned out to be a massive success. "We have opted for Cogitate DigitalEdge for its future-ready digital insurance platform capabilities coupled with the wide range of state-of-the-art features," said Diane Boyer, Vice President of Operations at Southern General Insurance Company. You can visit our website to contact us or learn more about our services.

[skmedicare]

What Are The Qualities Of The Best Medicare Agent In Florida?

The best Medicare agent is the one who helps you to opt for the right healthcare plan that caters to your healthcare needs. Thus, you do not have to wander around and do extensive research to know whether you are eligible for a particular plan. These agents are licensed by the state and select the right plan for you after comparing numerous companies. Furthermore, they educate you about numerous Medicare plans and keep you informed. This way, you collaborate with the agent to select the healthcare plan that suits your needs.

Top 5 Factors Defining The Top-Notch Medicare Agent In Florida

Have you decided to contact a prime Medicare agent in Florida? Indeed, a top-notch Medicare agent in Florida can ease the process for your healthcare insurance. However, what are the factors that make a healthcare agent the best one in Florida? Continue reading to get your answer.

1. Are They Specialized As Per Their License?

It’s simple for anyone with a license to sell Medicare insurance. However, an insurance agent for Medicare must have field knowledge apart from the licenses. Thus, check whether your best Medicare agent in Southwest, Florida, is specialized in giving you the best services as indicated in the license. In this direction, you must research their reviews and ask them for testimonials.

2. Educating You On Medicare Plans

One of the best licensed independent Medicare agents must also give a briefing about the various plans before advising you on one. Ensure whether the agent is boasting or genuinely trying to educate you through a perfect in-depth briefing of the plans. It’s a big no to hire an agent who forces you to buy a plan without proper knowledge or is boastful about certain plans.

3. Quality Customer Services Should Be Their Top Priority

It’s needless to mention that if someone hires an expert for a service, they look for the additional services offered. Thus, it is likely to be the same for you. Naturally, you might desire some extra help whenever you need it. Hence, ensure that the best Medicare agent you employ has quality customer services on their top priority list.

Call And Get The Best Medicare Agent For Yourself!

Are you seeking the help of the best Medicare agent in Florida for yourself? You can get it from SK Medicare Benefits. They provide you with the top-notch services of healthcare agents, including Medicare supplement plans, stand-alone prescription plans, etc. You get to experience their specialized services; they will give an in-depth briefing on the plan. Besides, they put customer service at the top of their priority list. The best part! You get all of this for free. Contact them now and start with their virtual assistance.

[floridaedicareexpert]

Florida Medicare Broker: Empowering Seniors with Expert Guidance

Introduction: Welcome to Florida Medicare Broker, your trusted source for comprehensive Medicare services in the beautiful state of Florida. Our dedicated team of Medicare experts is committed to providing personalized assistance and guidance to seniors, ensuring they make informed decisions about their healthcare coverage. Located at 7918 Parsons Pine Dr, Boynton Beach, FL 33437, United States, we pride ourselves on being the go-to resource for individuals seeking reliable Medicare brokerage services. With our wealth of knowledge and experience, we aim to empower seniors with the tools and information they need to navigate the complexities of Medicare.

Section 1: Understanding Medicare Before delving into the crucial role of a Florida Medicare broker, it's essential to have a solid understanding of the Medicare program itself. Medicare is a federal health insurance program designed to provide coverage for individuals aged 65 and older, as well as certain individuals with disabilities. It consists of several parts, including Medicare Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage).

While Medicare offers invaluable healthcare benefits, it can be a complex system to navigate. This is where the expertise of a Medicare broker becomes invaluable. As licensed professionals specializing in Medicare, our brokers have an in-depth understanding of the program's intricacies, regulations, and various plan options available in Florida.

Section 2: The Role of a Medicare Broker At Florida Medicare Broker, our primary goal is to serve as your trusted advocate in the realm of Medicare. Our experienced brokers work closely with seniors, taking the time to understand their unique healthcare needs, preferences, and budget constraints. With this knowledge, we offer personalized guidance to help individuals select the most suitable Medicare plan for their specific circumstances.

One of the key advantages of working with a Medicare broker is the independence and objectivity they bring to the table. Unlike insurance agents who are typically affiliated with specific carriers, Medicare brokers are not tied to any particular company. This enables us to provide unbiased recommendations and compare plans from multiple insurers, ensuring our clients have access to a wide range of options.

Additionally, Medicare brokers stay up to date with the latest changes in Medicare policies, regulations, and plan offerings. This ensures that we can offer accurate, relevant information to our clients, helping them stay informed about any updates that may affect their coverage.

Section 3: Our Medicare Brokerage Services At Florida Medicare Broker, we offer a comprehensive range of services to meet the diverse needs of seniors seeking Medicare coverage in Florida. Some of our key services include:

Personalized Consultations: Our brokers provide one-on-one consultations, either in person or over the phone, to discuss your healthcare needs, answer questions, and provide guidance on plan selection.

Plan Comparison and Analysis: We conduct thorough analyses of various Medicare plans available in your area, comparing their costs, benefits, and network coverage. This allows us to recommend the plans that align best with your needs and preferences.

Enrollment Assistance: Navigating the Medicare enrollment process can be overwhelming, but our brokers are here to help. We assist with the paperwork, ensuring you meet deadlines and enroll in the chosen plan without any hassle.

Annual Plan Reviews: Medicare plans can change from year to year, and it's essential to review your coverage annually. Our brokers offer annual plan reviews to ensure your current plan still meets your needs or help you explore better options if necessary.

Conclusion: Choosing the right Medicare plan is a critical decision that can significantly impact your healthcare and financial well-being. At Florida Medicare Broker, we are dedicated to simplifying this process for you. Our team of experts is committed to guiding you through the complexities of Medicare

[djblackiechan76]

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[floridahealthcareinsurance21]

Health Insurance Florida

Health Insurance Florida has been helping Florida residents obtain health insurance coverage to fit their needs for nearly two decades. With a highly experienced team of insurance professionals, we provide help with health, Medicare, short-term, dental vision, and life insurance coverage, as well as supplemental plans. By working with multiple top insurance carriers, we can find the best possible policy for your circumstances. We serve as your one-stop solution for healthcare needs large and small.

Whether you’re self-employed, an independent contractor, or an employee at a small business, it can be difficult (and time-consuming!) to sift through the healthcare policy options available to you. How will you know that you’re getting the best possible coverage at the most affordable price? For this dilemma, enlisting the help of the team at Florida Healthcare Insurance is the most effective and convenient solution.

Providing Quality Healthcare Insurance Plans and Medicare Supplements to Individuals and Families Throughout South Florida and Beyond

Since 2002, you and your family have trusted our family to provide you with best-in-class health insurance plans at affordable rates. That’s because our dedicated, knowledgeable, and award-winning team offers you a personalized experience, delivering quality plans in minutes, with services you can count on. From our office in the Coral Springs/Parkland area, we serve South Florida and beyond.

We prioritize your family, ask the right questions, and quickly find the best solutions that fit your lifestyle.

Why Choose Florida Healthcare Insurance?

Our team takes the work out of shopping for insurance coverage by providing all of the top insurance information in one place. Unlike many other insurance agents, we have your best interests in mind and will only seek out the insurance policies that are right for you. Our commitment to our clients’ satisfaction has built our reputation for trusted, reliable insurance services. After your consultation with our team, we’ll get to work finding the ideal health coverage within your price range.

We offer personalized service to ensure that you receive the insurance coverage that matches your needs, as well as your budget. Our 24/7 customer service is available to make sure that your health is consistently protected, no matter what life throws your way.

Your health is your greatest investment – never leave it to chance! With the right health insurance plan, you can protect your health and wellbeing in the long-term. Reach out to Florida Healthcare Insurance today to talk to a member of our skilled team. We’ll secure affordable insurance coverage to protect your future.

[floridahealthcareinsurance1]

Health Insurance Florida

Health Insurance Florida has been helping Florida residents obtain health insurance coverage to fit their needs for nearly two decades. With a highly experienced team of insurance professionals, we provide help with health, Medicare, short-term, dental vision, and life insurance coverage, as well as supplemental plans. By working with multiple top insurance carriers, we can find the best possible policy for your circumstances. We serve as your one-stop solution for healthcare needs large and small.

Whether you’re self-employed, an independent contractor, or an employee at a small business, it can be difficult (and time-consuming!) to sift through the healthcare policy options available to you. How will you know that you’re getting the best possible coverage at the most affordable price? For this dilemma, enlisting the help of the team at Florida Healthcare Insurance is the most effective and convenient solution.

Providing Quality Healthcare Insurance Plans and Medicare Supplements to Individuals and Families Throughout South Florida and Beyond

Since 2002, you and your family have trusted our family to provide you with best-in-class health insurance plans at affordable rates. That’s because our dedicated, knowledgeable, and award-winning team offers you a personalized experience, delivering quality plans in minutes, with services you can count on. From our office in the Coral Springs/Parkland area, we serve South Florida and beyond.

We prioritize your family, ask the right questions, and quickly find the best solutions that fit your lifestyle.

Why Choose Florida Healthcare Insurance?

Our team takes the work out of shopping for insurance coverage by providing all of the top insurance information in one place. Unlike many other insurance agents, we have your best interests in mind and will only seek out the insurance policies that are right for you. Our commitment to our clients’ satisfaction has built our reputation for trusted, reliable insurance services. After your consultation with our team, we’ll get to work finding the ideal health coverage within your price range.

We offer personalized service to ensure that you receive the insurance coverage that matches your needs, as well as your budget. Our 24/7 customer service is available to make sure that your health is consistently protected, no matter what life throws your way.

Your health is your greatest investment – never leave it to chance! With the right health insurance plan, you can protect your health and wellbeing in the long-term. Reach out to Florida Healthcare Insurance today to talk to a member of our skilled team. We’ll secure affordable insurance coverage to protect your future.

[alliancehealthgroup02]

Professional Senior Insurance Services in Florida

Founded in 1989, Professional Senior Insurance Services has become one of the fastest growing independent insurance agencies in the Tampa area. The company has two offices in the Tampa area and works with more than 100 different insurance companies to provide their clients with coverage options. They write both personal and commercial lines insurance. They write auto, home, boat, umbrella, and flood insurance. They also offer Medicare related products.

Aside from writing insurance, the company also provides their clients with the chance to build relationships with their agents. The company has a strong emphasis on customer service, and their staff enjoys the opportunity to interact with clients on a daily basis. They have also found that their staff members tend to be more loyal to the company than their competitors. This is one of the reasons that Professional Insurance Services has become such a success.

The company has an impressive history of providing their customers with the best possible coverage options. They have worked with many different businesses, and have seen the effects of the economic downturn first hand. During this time, they have seen many people affected. They have also seen the best and the worst of the industry.

One of the more impressive things they do is the use of technology to improve their customers' experience. For instance, they have recently rolled out a new website that provides their customers with easy access to information and assistance. This allows them to have a more comprehensive view of their coverage options. The company also has a mobile app to make things even easier for their clients.

The company also boasts a solid list of employee benefits solutions. They have a variety of employee health plans, as well as property and casualty solutions. They have also recently rolled out the most technologically advanced Medicare program available in Florida. With their expertise and experience, they can help you find the best possible solution to your health and life insurance needs.

The company has also recently announced that it has entered into a definitive agreement to purchase Seniors' Insurance Services of Washington, Inc. This is a major milestone in their business, and the company expects to close on the acquisition in the next few months. This is a good thing, since it means that they can concentrate on growing their business while providing their clients with the best possible coverage options.

The company also has a solid team of insurance professionals, and the best part about working for Professional Senior Insurance Services is that they are in the insurance business for the long haul. They are all dedicated to ensuring that their clients are able to enjoy the best possible coverage options, and that their insurance needs are always met. This is one of the reasons that Professional Senior Insurance Services is one of the fastest growing independent insurance agencies in Tampa.

The company also has the audacious ability to make recommendations that are based on the best possible information and feedback from their clients. They have found that their clients' needs are always changing, and that it is important to have a variety of insurance solutions available. This has allowed them to become a leader in the insurance industry.

[marie1-kersaint]

🏤 if you don’t want people to have your SS#‼️

🏤 https://www.facebook.com/share/p/JWyUV97s4zpPo4da/?mibextid=WC7FNe ‼️‼️

👇floridablue answers kersaint's plea 2BLEEP OUT🤐😷 FLORIDABLUE'S caller's social security # from TRAINING CLASSES‼️

Will FLORIDABLUE 🛑⛔️{ unforbidden} salespeople from selling FLORIDABLUE PLANS with DENTAL if that is the best PLAN that the customer QUALIFY for⁉️

i am sorry for wasting your valuable time BUT i was not sure that the customers PHI were protected

MD

marie demosthenes

Tue 12/12/2023 6:29 PM

i am sorry for wasting your valuable time BUT i was not sure that the customers PHI were protected i asked 2 key FIORELLA office staff to please ask FLORIDA BLUE TO REMOVE MEMBER'S PII FROM THE RECORDED CALLS THAT WERE GOING TO BE PLAYED TO TRAINING CLASSES



See 3 more messages

TH

Talane St Hilaire <thilaire@fioins.com>









To: You

Cc: +5 others

Wed 12/13/2023 11:58 AM

Marie,

 

Thank you for your email.  Please accept this reply as a response to the concerns you raised with respect to the protection of Protected Health Information (PHI). 

Fiorella is committed to safeguarding our clients’ personally identifiable information (PII) and PHI, and has enacted robust controls to prevent the unauthorized use or disclosure of PHI and PII.  These controls include the issuance of numerous policies that govern our employees�� conduct and establish clear rules for protecting PHI and PII, comprehensive online and in person training, and state-of-the-art systems and tools to ensure that all PHI and PII is encrypted.

 

With respect to policies, the following expressly establish requirements and expectations with respect to handling PHI and PII:

• AssuredPartners Employee Handbook;

• Fiorella Code of Conduct; and

• Fiorella Privacy and Protecting PHI and PII Policy (Privacy Policy).

Each employee is required to execute an acknowledgement of these policies certifying that they have read and understand the policies.  The Privacy Policy defines terms and explains in plain language the restrictions on the use and disclosure of PHI and PII. 

Employees also are required to take online training that addresses proper handling of PHI and PII through SkillSoft’s learning management system, in addition to in person training provided by Fiorella’s management team.  Additionally, the Compliance team issues monthly compliance newsletters, which have reminded employees of their obligation to safeguard our clients’ PHI and PII.  The Compliance team is available as a resource should any agent have a question or concern.

 

In addition to the resources and compliance requirements imposed by Fiorella, each agent also has independent obligations by virtue of state licensing requirements and the Federally-facilitated Marketplace Agreement each agent must sign before he or she begins to sell plans.

 

Thank you again for your inquiry.  We trust that the above addresses your concerns.

 

Best,

 

Ta’Lane St Hilaire | HR Generalist

Fiorella Insurance Agency

5500 Village Blvd. | Suite 201 | West Palm Beach, FL 33407

Email: thilaire@fioins.com (mailto:thilaire@fioins.com)   ( D ) 772.999.6274 

Marie K Demosthenes  Text  2123700831

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[cogitateus]

Prioritizing User Experience, FTP Moves to Cogitate DigitalEdge Policy Platform

Atlanta, Georgia 7/19/23- FTP Inc., one of New Jersey’s largest insurance wholesalers of commercial and personal property and casualty lines, partners with Cogitate Technology Solutions. Offering over 100 insurance programs with top admitted and non-admitted carriers, FTP is modernizing its policy administration and agent user experience with the adoption of Cogitate DigitalEdge Policy. Cogitate’s product suite has been purpose-built for insurance intermediaries and carriers to reduce costs, improve operational efficiencies, and provide a frictionless, modern customer experience.

“With offices in New Jersey, New York, Chicago, Florida, and California, we’re now writing in over 40 states and need a unified platform to streamline the workflows that support the full policy lifecycle and offer a superior streamlined and integrated experience for our agent/broker network and our staff,” shared Steve Powell, Executive Vice President at FTP. “We pride ourselves on being quick and competitive. The service we provide our brokers and the ease of doing business with us is critical to who we are in the market. This move to DigitalEdge Policy strengthens that advantage and ensures we can continue to innovate as we grow.”

Momentum around Cogitate’s policy, billing, and claims platform stems from the flexible architecture.  The ease of integration and growing ecosystem of third-party solutions create a powerful platform for risk evaluation and speed-to-market. The platform solves workflow, connectivity, and operational challenges of simple and very complex lines of business faced by intermediaries and insurers.

“We’re excited to work with FTP to bring a new level of automation, data insights, and integration partners to its operation. The unified agent portal across multiple lines of business will streamline workflows between agents/brokers, underwriters, and insureds throughout the policy lifecycle. Our product roadmap promises continued commitment to data analytics, AI, and predictive modelling to support the automation and data-driven decision-making the market requires,” said Arvind Kaushal, CEO and Co-founder of Cogitate.

About FTP, Inc.

Founded in 1957, FTP Inc. is an insurance wholesaler providing services to independent insurance agents and brokers. FTP’s business is generated through its network of licensed insurance brokers. Representing both admitted and non-admitted insurance companies, FTP offers over 100 insurance programs including property and casualty, commercial and personal lines. In addition, markets are available for almost all classes of business or situations on a package or mono-line basis. For more details, visit www.ftpins.com.

About Cogitate Technology Solutions®

Cogitate Technology Solutions, Inc. delivers the most innovative insurance technology with an integrated ecosystem of third-party solutions for insurance carriers, program managers, MGAs, and wholesale brokers. The company’s highly configurable and automated DigitalEdge platform creates unparalleled speed-to-market and accelerated growth with effortless implementation, no matter the complexity or ingenuity of the insurance product or business model. Cogitate is a trusted technology partner serving clients throughout the insurance value chain and maintains 100% client retention since it was established in 2015. For more information about Cogitate, please visit www.cogitate.us.

[assurancelifellc]

Best Term Life Insurance For Family FL in USA

Insurance Throne is an independent insurance agent for term life insurance for families in Florida. We can help you find the right insurance for your needs as the best in the industry. Contact us today to learn more about our insurance options. Read more about term life insurance here: https://ibb.co/4JVyGX6

[extermination-1]

The best health insurance quote in Boca Raton FL

The best health insurance quote in Boca Raton FL

Health insurance is something you should make sure you have in place for your family because living in Boca Raton, Florida, can be expensive. health insurance quote Boca Raton

By finding the best rates for your needs, John Whelden insurance broker ensures your safety.You won't find better service or lower prices anywhere else, whether you're looking for Medicare coverage, individual health insurance, or group health insurance for your company.He has a team of experts who are attentive to your requirements and offer essential insurance plans that can meet a wide range of requirements, including a variety of medical premiums, customized customer terms, and even temporary coverages. health insurance quote Boca Raton

In Florida, what is the typical monthly cost of health insurance?In Florida, how much does health care cost?For significant clinical plans, the least expensive individual month to month charge begins at $177, yet the normal month to month cost of medical coverage in Florida is around $467 per individual.Is Florida Blue an acceptable health insurance plan?The Better Business Bureau gave Florida Blue an A+ rating, and the National Committee for Quality Assurance (NCQA) gave the company 4.5 out of 5 stars for the overall experience it provided to customers.

Is health insurance expensive in Florida?In general, health insurance costs in Florida are comparable to those across the nation.However, employees here must bear a greater burden.One of the highest premiums in the nation is paid by Florida workers, according to Collins.In Florida, what is the Obamacare 2022 income cap?You will generally be eligible for a premium subsidy if your household income is between 100 and 400 percent of the federal poverty level.This means that a single person who is eligible can get the tax credit in 2022 if they earn between $13,590 and $54,360.Which is superior, an HMO or a PPO?If you're looking for lower costs and don't mind having a PCP manage your care, an HMO might be a good option.If you already have a doctor or medical team that you want to keep but isn't in your plan's network, a PPO might be better for you.

Is Blue Cross different from Florida Blue?Florida Blue is a mutual company that pays taxes and has no profit. It is owned by policyholders.It is an independent licensee of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield companies, with headquarters in Jacksonville, Fla.PPO or HMO, which is more expensive?Costs.PPO plans typically cost more than HMO plans due to the increased flexibility and coverage offered by PPO plans.The monthly premiums of a health maintenance organization (HMO) will typically be lower than those of a PPO when we consider the costs of a health insurance plan.A deductible is another expense to think about.You can get health insurance. Getting health insurance is easier than ever.

Get covered for only $100 per month.We provide excellent plans and exceptional service.We have plans for singles, couples, businesses, self-employed individuals, and families with children.Have you ever been curious about what your current health insurance covers?It can be easy to get lost in the options and terms of the coverage.Step by step, a trained agent will guide you to the ideal combination of services for your particular circumstance.Does it seem like there are too many options for health insurance plans?We take the wheel and assist you in selecting the most suitable vehicle.Get in touch with me right away for great rates and payment options! https://www.jwheldenhealthinsurance.com/health-insurance-boca-raton

[ramseysmather-blog]

Honest Law Firms Near Lake Mary, Florida

Law firms in Florida are subjected to many challenges. Florida is a popular destination for vacation home rentals. Florida is home to many new and experienced lawyers who choose to set up a law practice. The Florida bar association has specific guidelines regarding conflicts of interests and their code of ethics for law firms. To discuss your legal needs with an honest attorney, contact ramseysmatherspa.com today

Many Florida law firms employ board members who have financial ties to the different insurance companies they represent. Every member of a board should withdraw from any decisions that may affect the company. This can be done by having the person resigns or by a written agreement. In cases where a lawyer has a financial stake in a decision, the code of ethics for lawyers regarding conflicts of interest requires that they disclose such information. The American Bar Association has a clear code of ethics for lawyers.

Florida law firms must follow certain rules when it is time to retain the services of independent agents. They prohibit agents from representing more than one law practice. The same applies to settlement amounts. A lawyer cannot consent to retain an individual who is less qualified or biased than they are. Law firms must ensure that their agents are trustworthy in order to protect the clients' best interests.

Law firms must hire only ethical and honest individuals to ensure they maintain high standards of service. Lawyers could be accused of many types of unethical conduct. Lawyers could be accused of anything from using clients to become drug guinea pigs to committing fraud. If a lawyer discovers that a client is engaging in unethical conduct, they must inform the client immediately and take the appropriate action.

An attorney can also be charged with practicing law while under the influence. It is illegal for anyone to drive while unfit through alcohol or drugs. There are certain circumstances where a drunk person could sue the other for the damages. For example, if someone falls into a state of coma after drinking alcohol, the responsible party might be liable for their medical expenses. This is especially true for those who were intoxicated and drove a vehicle while not fit.

False promises to clients are also illegal. It is illegal for a law firm to promise potential clients that they will receive a certain percentage of the settlement amount. However, it is perfectly acceptable for law firms to offer a small contingency when the case has been resolved. This is not the equivalent of offering an upfront fee. The surcharge is since the settlement amount will not exceed the initial attorney's fees.

There may be conflicts between lawyers working in different law firms. Lawyers can have close relationships that allow them to be tempted by clients to work on a retainer model rather than working with the client regularly. Another possible conflict is when a lawyer from one firm attempts to represent a company that is under the services of another. This scenario is acceptable as long the two law firms have reached an agreement restricting their practice to each other. However, if they were to represent different companies, the business owner would be left with a lot of stress and a bad reputation.

There are many law firms throughout Florida. Many of them offer an online search to find attorneys. However, the client must conduct an in-person interview to determine whether a lawyer is a good fit for them. This is especially important for questions about previous caseloads, experience, ethics, and other matters.