Office Hours: Monday – Friday: 9:00 AM – 5:00 PM
Why Thousands of Floridians Choose American Senior for Their Insurance Needs
Discover the advantages of working with an independent insurance agency that puts your interests first, provides personalized service, and has the expertise to guide you through life's most important insurance decisions.
20+ Years
of dedicated service
Reliable Agency
Your interests, not ours
Florida Native
Understanding unique needs
Free Reviews
Free Insurance reviews
A Mission Born from Experience
Choosing the right insurance agent is one of the most important financial decisions you'll make. Your agent will guide you through complex insurance options, help you understand your coverage, and be there when you need to file a claims or make changes to your policies. At American Senior Insurance & Financial Services, we understand the weight of this responsibility, and we've built our entire business around providing the kind of service and expertise that you deserve.
When you work with us, you're not just getting an insurance policy, you're gaining a trusted advisor who will be with you for the long haul. We've helped thousands of Florida families navigate the complex world of insurance and financial planning, and we're committed to providing the same level of exceptional service to every new client who chooses to work with us.
Insurance Protection Services
Auto Insurance
Whether you're driving across town or across the country, auto insurance is essential protection that's required by
law in Florida. But beyond meeting
legal requirements, the right auto
insurance policy protects you
financially in case of an accident,
theft, or damage to your vehicle.
Our auto insurance specialists will help you understand the different types of coverage available, determine the right amount of protection for your situation, and find competitive rates from top-rated insurance carriers. We'll review your current coverage, identify any gaps, and ensure you have the protection you need at a price you can afford.
Home Insurance
Your home is likely your largest investment, and protecting it with comprehensive homeowners
insurance is crucial. Florida's
unique weather challenges,
including hurricanes and severe
storms, make it especially important to have the right coverage in place.
We'll help you understand the different types of home insurance coverage, including dwelling protection, personal property coverage, liability protection, and additional living expenses. Our team will work with you to determine the appropriate coverage limits and help you find ways to save money through discounts and bundling opportunities.
Why Independent Agencies Serve You Better
Freedom to Choose the Best Options
Unlike captive agents who can only sell products from one insurance company, our independent status gives us the freedom to work with multiple carriers. This means we can shop the entire market to find the best coverage at the most competitive rates for your specific situation.
When you work with a captive agent, you're limited to whatever products their company offers, regardless of whether those products are the best fit for your needs. As an independent agency, we have access to dozens of insurance companies, allowing us to compare options and find the coverage that provides the best value for your unique circumstances.
Objective Advice You Can Trust
Because we're not tied to any single insurance company, we can provide truly objective advice. We don't have sales quotas for specific products or pressure to promote certain carriers over others. Our only
motivation is finding the best solution for you, which means our recommendations are based solely on your needs, not our company's priorities.
This independence allows us to be honest about the strengths and weaknesses of different options. If one carrier offers better coverage for your situation, we'll recommend them, even if another carrier might pay us a higher commission. Your best interests always come first.
Flexibility When Your Needs Change
Life circumstances change, and your insurance needs change with them. As an independent agency, we have the flexibility to adjust your coverage as needed, whether that means switching carriers, adding new types of coverage, or finding better rates.
If you're working with a captive agent and your needs change in a way that their company can't address, you'll need to find a new agent. With us, you have one trusted advisor who can access the entire market to meet your evolving needs throughout your life.
Individual Attention in an Impersonal World
Face-To-Face Meetings
In today's digital world, many insurance companies are moving toward online-only service models that eliminate personal interaction. We believe this approach does a disservice to clients who deserve individual attention and personalized guidance. That's why we maintain a commitment to face-to-face meetings and personal service.
Customized Services
No two clients are exactly alike, which is why we don't believe in one-size-fits-all solutions. We take the time to understand your specific needs, budget, before making any recommendations. Whether you're looking for basic coverage to meet legal requirements or protection for complex assets, we'll design a solution that fits for your situation.
What Our Clients Say About Us
Two Decades of Insurance Industry
Excellence
compRehensive Industry Knowledge
With over 20 years of experience in the insurance and financial services industry, our team has the depth of knowledge needed to guide you through even the most complex insurance decisions. We've seen how the industry has evolved, understand the nuances of different policy types, and know how to navigate the complexities. This allows us to provide the best coverage at the best price.
Get Specialized medicare expertise
Medicare can be one of the most confusing aspects of reaching age 65, with multiple parts, enrollment periods, and countless plan options. Our team has specialized expertise in Medicare planning that allows us to simplify this complex process and help you make informed decisions about your healthcare coverage.
Florida Natives Who Understand Your
Unique Needs
Deep Local knowledge
As longtime Florida residents, we understand the unique insurance challenges people face here, from hurricane preparedness to Medicare changes, flood insurance requirements to complex auto laws, and what truly matters most to Florida families.
Community Connections
Our deep roots in the Florida community mean that we have established relationships with
local insurance carriers, and service providers.
These connections can be valuable when
you need to file a claim, resolve
a coverage issue.
Fully understanding of Specific florida risks
Florida presents unique insurance challenges that agents from other states may not fully understand. From hurricane and windstorm coverage to flood insurance requirements, from sinkhole protection to specific auto insurance laws, Florida has insurance considerations that require specialized knowledge.
Honest, Straightforward Communication
You Can Trust
No Confusing Jargon
The insurance industry is notorious for complex terminology and confusing policy language. We believe that you shouldn't need a law degree to understand your insurance coverage, which is why we explain everything in plain English and take the time to ensure you understand exactly what you're purchasing.
We'll walk you through your policy options, explain the differences between various coverage types, and help you understand how your coverage works in real world situations. You'll never leave a meeting with us feeling confused or uncertain about your coverage.
No Confusing Jargon
The insurance industry is notorious for complex terminology and confusing policy language. We believe that you shouldn't need a law degree to understand your insurance coverage, which is why we explain everything in plain English and take the time to ensure you understand exactly what you're purchasing.
We'll walk you through your policy options, explain the differences between various coverage types, and help you understand how your coverage works in real world situations. You'll never leave a meeting with us feeling confused or uncertain about your coverage.
Clear Cost Explanations
We believe in complete transparency when it comes to costs and fees. We'll explain exactly what you're paying for, how premiums are calculated, and what factors might affect your costs in the future. There are no hidden fees or surprise charges – just honest, straightforward pricing information.
This transparency extends to our compensation as well. We'll explain how we're compensated by insurance companies and ensure that you understand that our recommendations are based on your needs, not our commission structure.
Ready to Explore Your Options?
The first step toward better insurance coverage and financial security is a simple phone call. Contact us today to schedule your free consultation. We'll review your current situation, discuss your needs and concerns, and provide personalized recommendations
that fit your goals and budget.
