Health & Life Insurance Solutions
Bernard Health Group Inc. — Florida Independent Insurance Agency
Compare health, ACA Marketplace, life, and ancillary insurance options with a licensed insurance agent. Bernard Health Group Inc. helps individuals, families, and businesses understand their coverage options and find plans that fit their needs and budget.
Health Insurance | Life Insurance | Ancillary Insurance
No obligation. No cost to you. We never sell your information.
6
Ways to protect your family and your income
$0
What our help costs you — the carriers pay us
1:1
A licensed agent, never a call center
Six kinds of coverage. One place to get them.
You don't need all six. You need the two or three that match where you are right now — and someone honest enough to tell you when you already have enough.
Most affordable
Term Life Insurance
Coverage for a set number of years — 10, 15, 20 or 30. If something happens to you during that window, your family gets a tax-free lump sum, right when they need it most.
- Premiums locked at the price you start with
- 10, 15, 20 and 30-year terms
- No-exam approval options available
- Coverage from $50,000 to $5M+
Never expires
Whole Life Insurance
Coverage that lasts your entire life, with a premium that never goes up. It builds guaranteed cash value you can borrow against — or leave behind, tax-free.
- Guaranteed death benefit, for life
- Your premium can never increase
- Cash value grows on a guaranteed schedule
- Payment terms up to age 100, or paid-up
Protection + growth
Indexed Universal Life (IUL)
Life insurance that also builds cash value tied to a market index — with a floor, so a bad year doesn't cost you. Tax-advantaged money you can use while you're still here.
- Index-linked growth with a 0% floor
- Tax-free access through policy loans
- Flexible premiums you can adjust
- Living benefits for critical or chronic illness
Individual & family
Health Insurance (ACA / Marketplace)
Major medical plans through the Health Insurance Marketplace. Many applicants may qualify for premium tax credits that lower the monthly premium, depending on household income, household size and other eligibility requirements.
- Premium tax credits applied before you pay
- $0 preventive care, including annual exams
- Prescriptions, maternity and mental health included
- Special Enrollment if you lost coverage
Ages 45–85
Final Expense & Burial
A smaller whole life policy built for funeral costs, medical bills and the loose ends — so your family isn't passing a collection plate while they're grieving.
- Coverage from $5,000 to $50,000
- No medical exam — health questions only
- Fast decisions, and coverage that can't be cancelled
- Premium locked for the rest of your life
Standalone or add-on
Dental, Vision & Hearing (DVH)
The everyday costs major medical leaves behind. Cleanings, exams, glasses, contacts and hearing aids — covered, so a routine appointment stops being a budget crisis.
- Cleanings, fillings, crowns, dentures
- Eye exams, lenses, frames and contacts
- Hearing tests and hearing aids
- Works alongside any plan — or on its own
The companies behind your coverage.
We are not tied to one carrier's rate card. We compare multiple A-rated companies side by side and bring you the ones that actually fit — so the recommendation is based on your situation, not on who pays us the most.
Eight of the carriers we place coverage with — and many more. Every company is rated by AM Best. Want the current rating on a specific carrier before you decide? Ask us and we'll send it to you in writing, along with the plan details in plain English.
Ask about a carrierWhere you are in life changes what you need.
Four starting points. Pick the one that sounds like your situation and we'll take it from there.
Protect your income
People count on your paycheck
If your income keeps the mortgage paid and the kids fed, term life is the cheapest way to make sure it keeps coming. We size the coverage to your debt, your kids and your working years — not to a sales quota.
No employer benefits
You're self-employed or between jobs
No HR department means no group plan. Marketplace health coverage is built for exactly that, and many applicants may qualify for premium tax credits depending on household income, household size and other eligibility requirements. Losing a job opens a 60-day Special Enrollment window.
Coverage that grows
You want more than a payout
An IUL protects your family and builds cash value at the same time — tax-advantaged, with a floor on the downside. It's the policy people use for retirement income, tuition, or a business opportunity.
Keep it simple
You're 55+ and want it handled
Final expense covers the funeral and the bills nobody wants to talk about — no exam, quick approval, premium locked for life. Add dental, vision and hearing so the routine costs stop surprising you.
Three steps. No pressure at any of them.
You should be able to understand what you're buying and why. If we can't explain it in plain English, that's on us.
01
Ten minutes
Tell us what matters
Who depends on you, what you already have, what you're paying now, and what you want to happen if the worst happens. A conversation, not an application — no paperwork yet.
02
Same week
We shop the carriers
We run your information across multiple A-rated companies and come back with real numbers, side by side. What each one costs, what it covers, and what it doesn't.
03
Your call
You decide. Nothing moves without you.
Pick the one that fits, or walk away. If you move forward, we handle the application, underwriting and follow-up — and we're still here in year five when you have a question.
We don't work for the insurance company. We work for you.
Bernard Health Group Inc. is an independent agency. That means we aren't tied to one carrier's rate card — we compare options across multiple A-rated companies and bring you the ones that actually fit your budget and your family.
You'll talk to a licensed agent, not a call center reading a script. The same person who answers your questions today is the one who answers the phone two years from now, when your coverage needs to change.
Independent, not captive
We're not tied to a single company, so you get options instead of a script.
Licensed and accountable
Every recommendation is made by a licensed life and health insurance agent.
No cost to you, ever
Carriers pay us, not you. Your premium is the same whether you work with us or go direct.
One agent for the long haul
Life changes. Your coverage should keep up — and you should know exactly who to call when it does.
What our clients say
Real feedback from the families and business owners we've helped protect across Florida.
“I put off getting life insurance for years because I assumed it would be a hassle. It was one phone call, a few health questions, and I was approved the same week.”
Marcus D.
Term Life · Palm Beach County
“They found a Marketplace plan that cost less than what my old job was taking out of my paycheck. Nobody had ever explained the subsidy to me before.”
Elena R.
ACA / Marketplace Health · Boca Raton
“My mother's burial was already paid for before she passed, and we didn't have to come up with the money at the worst possible moment. That peace of mind was worth everything.”
Denise W.
Final Expense & Burial · Fort Lauderdale
Questions people actually ask
If yours isn't here, ask it on the phone. We'd rather answer it than have you guess.
Not sure where to start?
Send us your name and number and we'll call you back. No pitch on the first call — just questions, so we know what to quote.
Get my free quoteOne conversation
Every option on the table.
Then you decide.
Tell us what you're protecting. We'll come back with real numbers from real carriers — and you choose what happens next.
No obligation · No cost to you · Your information stays private