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.
What health insurance options are available under ACA marketplace plans through ASM Insurance in Pembroke Pines?
ASM Insurance & Financial Services helps you explore ACA marketplace plans in Pembroke Pines by comparing Qualified Health Plans, checking subsidy eligibility, assisting with enrollment, and explaining coverage details including premiums, deductibles, and provider networks.
When is the best time to enroll in or change Medicare supplement plans in Pembroke Pines?
The best time to enroll or change Medicare Supplement plans in Florida, including Pembroke Pines, is during your initial Medigap open enrollment period or the annual enrollment periods. ASM Insurance can guide you through these windows and help select plans that fit your needs.
How do critical illness insurance and disability insurance differ for small business owners in Pembroke Pines?
Critical illness insurance provides a lump-sum payment upon diagnosis of serious conditions like cancer or stroke. Disability insurance replaces part of your income if illness or injury prevents you from working. ASM Insurance can help small business owners in Pembroke Pines choose the appropriate coverage based on individual needs.
What factors impact life insurance premiums for independent contractors or self-employed people in Pembroke Pines?
Life insurance premiums depend on age, health, lifestyle, coverage type and amount, and risk factors like travel or family history. ASM Insurance offers flexible life insurance options tailored for self-employed individuals in Pembroke Pines to balance cost and protection.
Is it possible to get affordable long-term care or disability insurance in Pembroke Pines for older adults or those with pre-existing conditions?
While challenging, ASM Insurance & Financial Services can review your medical history, explore underwriting options, and find policies with specific terms or riders to help you obtain realistic long-term care or disability insurance in Pembroke Pines.
What are the operating hours of ASM Insurance & Financial Services in Pembroke Pines?
ASM Insurance & Financial Services is open Monday through Friday from 9:00 AM to 5:00 PM and closed on weekends and recognized holidays.
How can nearby medical facilities like QC Kinetix in Pembroke Pines assist customers visiting ASM Insurance?
Customers can coordinate their health management by visiting nearby facilities such as QC Kinetix for pain management or Boriken Family Health and Wellness Center for family practice before or after consulting ASM Insurance for related insurance coverage.
Are there real estate services close to ASM Insurance & Financial Services in Pembroke Pines?
Yes, several real estate agents and services like RCA Realty Group, Margo Morgan, Morgan Realty & Management Inc, and Erica Maxwell - Real Estate Agent are nearby, which can be useful resources for customers interested in property alongside financial planning.
What dental services are available near ASM Insurance in Pembroke Pines?
Dental Health Centers Pembroke Pines and Pembroke Pines Dental Health Center are local dental providers close to ASM Insurance, offering convenient options for dental and cosmetic dentistry needs for customers in the area.
Can customers visiting ASM Insurance take advantage of nearby legal and financial services?
Yes, nearby services include Gina Z. Harris, P.A for legal assistance, Mary Jo Rivero for bankruptcy and estate law, and SLS Telesales South offering financial services, supporting comprehensive financial and legal needs around ASM Insurance.