LIFE | SUPPLEMENTAL | DISABILITY | HEALTH | TRAVEL
Individual and Group Options

Schedule Your Free 30 Min Consult

Meet Emma Dowd
Agent-In-Charge

Licensed for Life, Health (Medicare), Annuities, Travel and LegalShield (Small Business Certified)
Annuities, IRA, Health Savings Accounts
License #G167289 (214, 240 & 241)
(813) 614-5872
emmadowd@emmalynndowd.com

My goal is to provide you products you need, without a commission driving the decision.  I perform a thorough analysis for your financial needs, health and more to accomplish this.  I believe in a no pressure sales environment, and I have an open door policy for all my customers to reach out when they have questions.  I’m here to answer them and give you a peace of mind.

Life is unpredictable — your insurance shouldn’t be

Whether it’s protecting your family from financial devastation or establishing a quality benefit package for your employees, the right insurance plan can mean the difference between stability and struggle.  Here are some stats that may shock you.

  • CANCER:  1 in 5 people will be diagnosed with cancer in their life.  That number goes to 1 in 2 after the age of 55.
  • CHRONIC ILLNESS:  Every 40 seconds someone in the US will suffer a stroke or heart attack
  • ACCIDENTS:  The #1 cause of death in the US is accidents
  • ER Visits:  The average cost in the US for ER visits ranges between $250.00 and $1500.00 with insurance and $2700.00 without
  • FUNERAL: A traditional burial averages $8591.00 without the liner or burial plot.  A full service cremation averages $6250.00 and $2200.00 for a direct cremation.

These are just some stats, can you afford NOT to have life insurance or supplementals?  Life Insurance and Supplementals aren’t a luxury – they are a necessity.

Citrus, Hernando, Hillsborough, Pasco, Pinellas and Polk Counties (direct)
We do cover the entire state of Florida

Our Products

Learn More...

Our individual products offer a wide range of solutions to fit your needs.  Our products will help protect your family’s health and finances, create an estate, and plan for unforeseen situations like an injury, disability or chronic illness.  Your family and health ARE your most important possessions so PROTECT IT.

Whole and Term Life Cancer
Chronic Illness Protection Vision/Dental/Hearing
Final Expense Pet
Long Term Care Medicare
Accidental Health Discount Plan
Disability Travel Insurance
Income Replacement Mortgage Protection
LegalShield/IDShield Grow Up Plan
Hospital Insurance Accident Protection
Health Savings Accounts (HSA)  

We help businesses establish a quality benefit package that helps them attract and retain quality employees.  As a company your employees are the lifeblood of your financial success.  If your employees are sick, injured or become disabled it hurts your company.  Protect them with group rates and other options that will help you stand out above your competition.  Our products include…

Group  Term Life Discount Plans
Accidental Death & Disability Travel Insurance
Chronic Illness Lump Sum Camcer
Vission/Dental/Hearing Group LegalSheild/IDShield
Small Business LegalShield Hospital Insurance
Short Term Disability Vision Supplemental
Dental Supplemental Annuities
Business Owner Coverage Health Savings Accounts (HSA)
Learn More...

Planning for your future starts with smart saving, thoughtful investing, and a clear retirement strategy. Whether you’re just starting out or nearing retirement, setting aside money regularly helps build a safety net and long-term security. From emergency funds to college savings to retirement income, every financial goal starts with a plan. We offer personalized guidance and access to a range of financial products to help you grow your wealth and protect what matters most. Let’s build a strategy that fits your life — today and for the years ahead.

Annuities (Fixed)
Gerber Insurance College Plan
Health Savings Accounts (HSA)
IRA’s & Roth IRA’s
Learn More...

The Benefit Of Health Discount Plans

  • Discount Plans are NOT insurance
  • Can’t qualify as being covered by insurance in the eyes of the Federal Government
  • No health checks
  • Everyone qualifies
  • Month to month (no year commitments)
  • Can still purchase to supplement your insurance but can’t use both
  • Vision, Dental, Hearing, Chiropractor, Prescriptions and Telehealth
  • Pay for the service at time it’s rendered for your discount rate

You can purchase through us and receive direct pricing (no markups for using us as an agent) plus you will get our agency to ask questions to should a question arise with your dedicated agent.  You can sign up through our portal and not even have to talk to us – but an agent will be assigned to you when you purchase or we can sign you up by phone.  Learn more here

Protect Your Journey with Our Travel Insurance

Are you preparing for a trip? Ensure you’re protected against unexpected events with our comprehensive travel insurance.
Why Choose Our Travel Insurance?
  • Cancel or Interrupt Your Trip: Reclaim non-refundable expenses due to unforeseen circumstances.
  • Medical Emergencies: Obtain immediate medical attention and cover hospital bills.
  • Travel Delays: Reimbursement for delays, cancellations, or lost luggage.
  • 24/7 Travel Assistance: Expert support for travel-related emergencies.

You can call us at (800) 587-6136 to get a quote and purchase or you can do it yourself by clicking this link.

Learn More

Health Savings Accounts

A Health Savings Account (HSA) is a tax-advantaged savings account designed to help individuals with high-deductible health plans (HDHPs) pay for qualified medical expenses. Funds contributed to an HSA are not taxed, grow tax-free, and can be withdrawn tax-free when used for approved healthcare costs — making it a powerful tool for managing out-of-pocket expenses while saving for future medical needs.

Key Benefits:

  • Contributions are tax-deductible
  • Funds roll over year to year — no “use it or lose it”
  • Can be used for medical, dental, vision, and prescription expenses
  • You own the account — not your employer
  • After age 65, funds can be used for non-medical expenses (taxed like retirement income)

Our HSA’s can be administered by an employer in a group setting giving you control of the account when you retire, or you can set one up for yourself or loved one.  We also have other similar products like a FSA (Flexible Spending Account), HRA (Health Reimbursement Arrangement), and HPA (Health Payment Account).  For more information about this, reach out to our agency and one of our qualified Brokers will help get you going to help you save for the unexpected later.

Other Services

Public Speaking

Emma will come speak to your group or organization regarding matters of insurance, why investing is important, how to look after your family during a crisis and plan for that unexpected moment.  She will talk about overcoming the odds, how to think outside the box, to become successful in your professional endeavors.

Learn More

Notary Services

As an Insurance Agency, we have a Notary Public on hand.  We will come to your place of business when you need something notarized, since our agents are out and about selling in the community.  To set up a notary appointment, simply click below and we will have one of our agents come meet you at your home or business.

Learn More

Networking

Word of mouth is the best form of flattery.  One of the biggest passions we have at this agency is getting out in the community, meeting those that call it home and run their businesses to help each other grow.  We also believe in helping out the community with volunteering and helping great causes.  You can click below to see some of those we recommend for their excellence and standards which match or exceed our own.

Learn More