LIFE | SUPPLEMENTAL | DISABILITY | HEALTH | TRAVEL

Individual and Group Options

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

Current Fixed Annuity Rates

Multi Year Guaranteed Annuity 10 Year
5.50%

Multi Year Guaranteed Annuity 5 Year
5.65%

Multi Year Guaranteed Annuity4 Year
5.20%

Multi Year Guaranteed Annuity 3 Year
5.45%

Multi Year Guaranteed Annuity 2 Year
5.00%

Why Do I Need Insurance

* To build an estate for your family

* Cover your final expenses

* Replenish income if disabled

* Protect your loved ones

* Fill gaps in your health insurance

* Cover long term care

* Prepare for emergencies

The Advantage of Being A Broker

We write for over 80 top industry rated companies for Life, Annuities and Health.  As a Broker we work on the interest of the customer, not the insurance companies.  This allows us to quote multiple companies to give you the best price for your needs and budget.  Below are some of the companies that offer specific products we can’t get anywhere else.

Aetna Insurance is one of our three

providers for Medicare, PDP

and Medicare Advantage Programs

Not all plans are available in your area.

Humana Insurance is one of our three

providers for Medicare, PDP

and Medicare Advantage Programs

Not all plans are available in your area.

United Healthcare is one of our three

providers for Medicare, PDP

and Medicare Advantage Programs

Not all plans are available in your area.

We offer their award winning

supplemental insurance products

for businesses and individuals

Offering Guarantee Issue Life

Gerber Insurance College Savings

Gerber's Grow Up Plan for kids

Gerber offers family focused products to protect your family

Carington is a discount health plan

Its not qualified insurance. It offers

discounts on vision, dental, vision &

prescriptions and telehealth

Delta Dental is an industry standard

with PPO and HMO dental plans

Offers both group and individual

plans for everyone's needs

Our Products

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)  
Learn More...

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...

We all want our kids to go to college, and someday we all want to retire and enjoy our golden years.  The one obstacle standing in the way of achieving those goals is money. Starting to save and invest when you are younger will help prepare a nest egg that will give you the financial freedom you worked so hard for all those years when your income is limited.  College is expensive, helping to pay for college will allow your family to not suffer a financial hardship and when they graduate, you can stand there with a proud face while they walk across the stage.  Let us help you achieve these dreams.

Annuities (Fixed)
Gerber Insurance College Plan
Health Savings Accounts (HSA)
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.

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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 talks about her life of being bullied, growing up different and how she managed to deal with adversity.  She also speaks about reaching your dreams, overcoming the odds and thinking outside the box to capture those dreams and goals you set.

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Notary Services

I provide a full notary services when you need it.  I am completely mobile, I can meet you anywhere at your home, office or location that you wish to get those important documents notarized professionally and accurately.

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Public Service & Networking

Emma is an active volunteer for non-profits throughout her community.  She is also a proponent for networking and being active inside her community.  She supports rescue shelters, Multiple Sclerosis research and the American Cancer Society.

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Nationally Syndicated Radio Show Host

Join Emma on her nationally syndicated radio show/podcast “The Emma Lynn Dowd Show” every Friday and Saturday on WREB radio where she talks with top celebrities, brings on experts in the fields of finance, health, politics and lifestyles that impacts life as we know it.  Her show has allowed her to provide game changing tips/tricks, lifestyle hacks and advice to families, professionals and individuals across the country.

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