About Bernard Health Group Inc.

Bernard Health Group Inc. is an independent life and health insurance agency based in Palm Beach County, Florida, and licensed to help clients in all 50 states. We exist to make insurance understandable. Instead of asking you to guess which policy is right, we sit down with you, learn what you are protecting, and then shop the market on your behalf.

One note on our name, because it comes up: we are frequently confused with Bernard Health, the employee-benefits brokerage and HR software company based in Nashville, Tennessee. We are a separate and unrelated company. Bernard Health Group Inc. is a Florida insurance agency working with individuals, families and small businesses here in Palm Beach County and across the state.

We help with term life insurance, whole life insurance, indexed universal life, ACA Marketplace health plans, final expense and burial coverage, and standalone dental, vision and hearing plans. That range matters, because most families need more than one piece: income protection while the kids are young, permanent coverage that never expires, a health plan that fits a self-employed income, or a small policy set aside so a funeral never becomes a financial emergency for the people left behind.

Our clients are Florida families protecting a household income, self-employed workers and small business owners who have no employer benefits to fall back on, people who just lost job-based coverage and are inside a Special Enrollment Period, and retirees planning their final expenses. If you are not sure which of those describes you, that is exactly the conversation to start with.

The agency is built and run by licensed insurance agents who work directly with the carriers we represent. We are not a call center, and we are not a lead broker selling your information to strangers. You talk to the same people who write your policy, and you can reach them by phone or email long after the paperwork is signed.