Business Details
About
Insurance Agency
ASM Insurance & Financial Services is your trusted independent insurance agent based in Pembroke Pines, Florida. We are full-service insurance professionals committed to making the insurance process simple and stress-free. we have been proudly serving small business owners and the self-employed with clarity and expertise. Whether you need an ACA (Obamacare) insurance agent, a licensed insurance consultant, or an experienced insurance advisor, ASM Insurance & Financial Services is here to help you navigate the options. We specialize in providing affordable life and health insurance solutions, including critical illness plans, disability insurance, long-term care, accident coverage, Medicare supplements, and much more.
Location
ASM Insurance & Financial Services
1806 North Flamingo Road, Pembroke Pines, FL
33028, United States
Hours
Frequently Asked Questions About ASM Insurance & Financial Services
What are my health insurance options under ACA marketplace plans in Pembroke Pines with ASM Insurance?
If you live in Pembroke Pines, ASM Insurance & Financial Services helps you explore ACA (Obamacare) marketplace plans that match your health needs and budget. We’ll compare Qualified Health Plans, help check subsidy eligibility, guide you through enrollment, and explain what premiums, deductibles, and provider networks to expect. You can get personalized support to avoid surprises in coverage.
When is the best time in Florida to enroll in or change Medicare supplement plans in Pembroke Pines?
In Florida, the best time to enroll in or make changes to Medicare Supplement (Medigap) plans is during your initial Medigap open enrollment period (when you first become eligible for Medicare Part B), or during the annual enrollment periods. ASM Insurance helps you understand open enrollment windows, compare supplement costs, and ensure the plan you pick works with your doctors and financial goals in the Pembroke Pines area.
How do critical illness insurance and disability insurance differ for small business owners in Pembroke Pines?
Critical illness insurance gives you a lump-sum payment if you’re certified with a serious covered condition (like cancer, heart attack, or stroke). Disability insurance replaces part of your income over time if illness or injury prevents you from working. For small business owners in Pembroke Pines, ASM Insurance can help you determine which coverage or combination makes sense based on your income, health risk, and business obligations.
What factors influence life insurance premiums in Pembroke Pines for independent contractors or self-employed people?
For independent contractors or self-employed residents of Pembroke Pines, life insurance premiums depend on age, overall health, lifestyle (smoking, hobbies), coverage amount, term vs whole life policies, and any risk factors (travel, family health history). ASM Insurance works with licensed insurers that offer flexible life insurance options tailored for self-employed people, helping you get coverage that balances cost and protection.
How can someone in Pembroke Pines qualify for affordable long-term care insurance or disability insurance when they’re older or have pre-existing conditions?
Getting affordable long-term care or disability insurance later in life or with pre-existing conditions can be challenging, but not always impossible. Premiums might be higher, and there may be waiting periods or exclusions for certain conditions. ASM Insurance & Financial Services can review your medical history, explore different insurer underwritings, find policies with riders or modified terms, and help you understand what is realistic for your situation in Pembroke Pines.