Protecting yourself, your family, and your property is an important part of life — if for no other reason, than because it brings peace of mind. Helping you achieve peace of mind is our goal at Insurance Tampa Bay.

But more than that, the right insurance can mean the difference between financial survival and financial disaster. Insurance is clearly a necessity these days. We want to help you understand how to find the best insurance for your needs.

Types Of Insurance

Paycheck insurance, also known as disability, supplemental, or AFLAC, is one of the most important. As long as you have income, your family will be safe.

If you can’t work for a medical reason, there are a number of policies that can deliver cash to your door, right when you need it.  Don’t count on workers comp or Federal disability payments, they take a long time to pay.

AFLAC Insurance            (See the short video)

Pays the policy holders cash they can use for any reason, right when they need it the most, when a medical bills start flooding in.  How many of us could absorb a few thousand in unexpected costs next month?  Would you want to invade your savings, run up your credit cards, or ask the boss for an advance when rent is due?

What if someone in your family had a bad car wreck?  What if Cancer strikes, or a heart attack?  68% of bankruptcies are caused by medical events, and more than half of those people had major medical insurance.  You probably have seen what happens to families when this happens.  See the Video

We can insure these risks in a variety of ways, with policies that cost less than $5 per week.  Read More…

AFLAC Short Term Disability Insurance

Private disability insurance will pay a percentage of your paycheck for every day you miss, after a waiting period, for a specified length of time.  Short term disability kicks in quickly and costs less around 1/2 hours wage per week.

Short Term Disability policies are perfect for the working family.   We can tailor a policy for any budget.

Long Term Disability Insurance

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Major Medical Insurance that you own or that is provided at work will pay a percentage of your Doctors and Hospital bills after you pay the initial deductible and specified co-payments.  More and more companies every day are choosing higher deductibles and co-payments to manage premium increases.  Many policies leave the insured obligated to pay up to $10,000 or more as the maximum out-of-pocket limit.   And many companies are just dropping their insurance all together.  Regardless of your personal situation, we can provide a solution, within your budget.  Read more…

Life Insurance

We all know life insurance will provide cash to your beneficiaries when you die.   For most families this will keep the family in the home and off the streets if the breadwinner should suddenly pass.

But it’s also crucial in business applications.  If you’re a business owner, and your profits will be affected by the death of a key employee, you should insure that life, so you will have the cash to proceed even if your “right hand” is missing.

If you have a partnership, consider what it would be like to share 50% of your business with your partner’s spouse!  If your partner dies suddenly, the spouse will be your new partner.  How will that work out for you?  You should consider a “buy-sell” agreement, which is a contract clearly stating that the surviving partner has the right to purchase the partners’ share of the business for an agreed amount.  Then each partner purchases life insurance on the other, to fund the purchase.  If you are a partner in a profitable firm, you really want to have this in place.

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Automobile Insurance

Will pay your bills in the case of accidents, injuries, and a wide variety of perils related to your car.  When was the last time your insurance agent reviewed your policy and compared it to your needs.  When all you had to lose was the clothes on your back and your stereo, you didn’t need larger limits.  But if you want to protect what you’ve worked to earn, make sure a professional reviews your coverages regularly.

We make sure to review our clients policies annually and recommend the best coverage for your needs.  We also help you make the tough decisions needed when budget and reality clash.  Read more…

Homeowners & Liability Insurance

Will insure losses to your property and liabilities from injuries on your property, from a wide variety of perils.  Florida homeowners have been dropped by carriers they have had for decades.  Many people are forced into Citizens regardless of the true risks at their home.  Why should a sturdy block home 5 miles from the water be forced into the same company as the frame house on The Gulf?

We have reduced the cost of insurance to hundreds of homeowners locally by shopping over 20 carriers and recommending home inspections that produce massive savings.  We can help you too.  Read More…