LIFE | SUPPLEMENTAL | DISABILITY | HEALTH | TRAVEL

Individual and Group Options

We are the home of friendly, caring agents that put your needs first when protecting your estate, health, and retirement planning.  We pride ourselves on implementing our high values, morals and business ethics in every conversation with sale we make.  You will never experience high pressure sales or overselling products you don’t need.  We listen to your needs; we evaluate the right amount of coverage to fit your budget and search for the best prices that you can compare and make the right decision for you.  We are an insurance broker agency, so writes for multiple providers, but we also have some featured companies like Gerber, Corebridge, Carington Discount Plans, Aetna, Humana, Delta, Alianz and LegalShield. Let us help you prepare for your time of need.  Nobody wants to talk about the worst, and nobody wants to buy insurance for it, but you will be glad you did should that time arise.

Broker vs. Agent

A Broker writes for multiple insurance carriers, is not employed or affiliated with any one company, instead are contracted to write policies with the company.  An Agent writes sometimes for multiple carriers inside a broker firm or they write for one specific company.  An Agent represents the company’s best interest while the Broker represents the interest of the client.

Seminars/Events


Medicare 101 – What To Expect at 65

Date:  April 22, 2025
Time: 1:00 PM
Cost:  Free
Tickets – Reserve Now
Tickets can be purchased up till 10 AM on 4/17

Countryman One Room School House
66 Russell St.
Brooksville, FL 34601

This is an educational seminar only.  We can’t give any advice on your situation or specific products

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 two

providers for Medicare, PDP

and Medicare Advantage Programs

Not all plans are available in your area.

Humana Insurance is one of our two

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 your needs.  Our products will help protect your family’s health and best interests, 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

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

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
401K
Roth IRA
Traditional IRA
Gerner Insurance College Plan

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.

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.

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.

Public Service & Networking

I am an active volunteer for non-profits in her community.  She is also a proponent for networking and being active inside her community.

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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