| Get to Know Our Team
We're independent agents and are here to help guide you through the steps of getting insurance, but why trust us?
To help ease your hesitancy, read about us and our principal agent, below. |
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Paul Cholak-Principal
Licensed Independent Agent
Paul is a licensed Life, Health, and Variable Annuity Agent as well as a licensed Legal Expense Agent.
He has over twenty-five years of benefits experience and has been Director of Employee Benefits for large companies, as well as a benefits consultant with major consulting firms. He understands the health insurance needs of self-employed individuals. He knows all aspects of individual and group health insurance. He's been listed in Who's Who in America and Who's Who in Financial Services and is a member of Phi Beta Kappa and other national honorary societies and organizations.
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Why Choose An Independent Agent
Some people think it doesn't really matter where they buy their insurance. But this could be costing them money, service, and protection. Buying insurance isn't like buying a commodity. Insurance is an important safety net for an individual and family and can prevent major financial problems like financial insecurity or loss of major assets. Don't treat the purchase lightly!
There's a difference where you buy your protection. Many people don't realize there are three sources for insurance:
- Independent Insurance Agents and Brokers -- represent many insurance companies and research these firms to find you the best combination of price, coverage, and service.
- Captive Agents -- sell you the insurance of only one company.
- Telephone Representatives -- offer you the insurance of one or more companies but are usually not licensed to sell insurance. They must refer you to a licensed broker to complete the sale.
As Independent Insurance Agents/Brokers, we:
- Are licensed professionals;
- Provide excellent service and competitive prices because we can access insurance coverage from many companies;
- Aren't limited to any one company. You don't need to change agents as your insurance and service needs change;
- Represent only carriers that are both financially stable and provide efficient claims service ("A" rated whenever possible);
- Assist you when you have a claim;
- Are your consultants, working with you as you determine your needs;
- Offer you a choice of insurance plans and programs;
- Determine the best combination of price, coverage, and service. We find the best carrier offering the best value for your premium dollar;
- Offer one-stop shopping for a full range of health and life insurance products;
- Periodically review your policy with you to make sure your coverage is keeping up with your changing insurance needs; AND.
- Treat you like a person and not as a number.
Florida Health Insurance Professionals explain coverages and limitations and believe in educating you, the health care consumer. We have a strong commitment to customer service and want to earn your business by fully informing you and answering your questions, being available every day of the week from 7 AM to 11 PM, and serving you to your complete satisfaction.
There's no charge for using our services. Insurance companies charge you the same price wherever you buy your policy. Price is based upon the facts you provide in your application and your health status as determined by the carrier's underwriter. Some agents quote a lower price or don't fully discuss coverages and possible limitations just to get your business. Then you receive a surprise when the policy arrives or after you file a claim. We quote the price we believe the insurance company will actually charge and the coverage they will offer based on what we know about your specific situation. |
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