Secure Your Income: Custom Protection for Every Stage of Life
Hi, I’m Sebastian. I’m an independent insurance agent based in South Florida, specializing in life and income disability coverage for Federal, Postal, State, County, Municipal and medical professionals. My focus is simple — helping you protect your income and your family with coverage that fills the gaps employer benefits often leave behind.
Discover Comprehensive Income Protection Plans Tailored for You
Explore our tailored income protection plans designed to secure your financial future, offering flexible, robust coverage for both short-term and long-term disability needs.
Explore Our Tailored Insurance Protection Solutions
Explore tailored income protection plans designed to secure your financial future effectively and affordably.
Comprehensive Income Protection Plans for Federal Employees
Income Protection Insurance: Ensure financial stability with policies that cover earnings lost due to illness or injury, helping you maintain your lifestyle during recovery.
Life Insurance options
Secure affordable life insurance that stays with you — not your employer. Protect your family’s future with coverage designed to provide tax-free financial support when they need it most.
Health Insurance Options
We offer ACA marketplace plans as well as private, medically underwritten health insurance options to fit your budget and coverage needs. Whether you qualify for subsidies or prefer lower-cost private coverage, we’ll help you find the right fit.
Custom Coverage Personalization
Explore personalized options to match your budget and risk profile, ensuring your coverage is just the right fit for your lifestyle and needs.
Testimonials
Tania Adams
helped me with health, life and disability. sebastian is a great agent
FAQs
Your Questions Answered: Income Protection Clarity for Peace of Mind
What does income protection insurance typically cover?
It covers lost earnings due to illnesses or injuries that prevent you from working.
How quickly can I start receiving benefits after a claim is made?
Benefit payments start after a waiting period, ranging from 14 days to several months, depending on your policy.
Are there different types of income protection policies available?
Yes, we offer both short-term and long-term disability policies to suit different needs.
Can I customize my insurance plan based on my profession and income level?
Absolutely! We offer customized plans where premiums and benefits are tailored according to your specific profession, income level, and personal needs. This ensures you only pay for the coverage you need.
What is not covered by income protection insurance
Income protection insurance generally does not cover job loss due to termination or redundancy, pre-existing health conditions depending on the policy terms, or injuries sustained from risky activities or illegal actions
How do I choose between short-term and long-term disability insurance?
Choosing depends on your financial reserves, employment nature, and personal health risks. Consult our agents for tailored advice.