Get the right individual insurance for your needs.
At Lewis & Palmer Benefits, we offer a range of individual insurance options, including individual health insurance, life insurance, disability insurance, and long-term care insurance. Whether you're an employee who doesn't choose a group plan or you're transitioning to COBRA, we provide flexible coverage solutions to meet your specific needs. We also assist individuals who are not employees but need reliable insurance coverage.
Why consider individual insurance?
Choosing individual insurance can be a smart option for employees who may not be eligible for group plans, those who are transitioning between jobs, or anyone seeking additional coverage outside their employer-provided benefits. We help guide you through your options to ensure you get the right coverage.
- Comprehensive coverage options
We offer individual health insurance, life insurance, disability insurance, and long-term care insurance to meet your unique needs. - For employees outside group plans
If you choose not to enroll in a group plan or need coverage after transitioning off COBRA, we’ve got you covered. - Affordable and flexible options
We help individuals find the most affordable individual insurance options that fit both their budget and needs. - Peace of mind
Individual insurance offers financial protection and security for you and your family, whether for health care, disability, or long-term care.
Our individual insurance options.
We provide a variety of individual insurance solutions designed to provide coverage during different life events, helping you stay protected and financially secure. Our options include:
- Individual health insurance
Whether you’re without group coverage or need additional coverage, we help you find a plan that fits your needs, whether through the marketplace or private options. - Individual life insurance
Offering both term and whole life insurance, we provide options that fit your personal situation, from providing financial security for your loved ones to building long-term wealth. - Individual disability insurance
Protect your income if you’re unable to work due to illness or injury, with customizable plans for short-term and long-term coverage. - Long-term care insurance
Providing protection for the potential costs of long-term care, from nursing homes to assisted living, to ensure you’re covered as you age.
South Florida Insight
As a Florida individual insurance broker, we understand the unique needs of individuals in South Florida. Whether you’re based in Coral Springs, Fort Lauderdale, or Miami, we guide you through the options available for individual health insurance and other coverage types. Here’s what to keep in mind when selecting individual insurance:
- Wide coverage options
We partner with leading providers to offer comprehensive and competitive coverage for individual health insurance, life insurance, disability insurance, and long-term care insurance. - Affordable options
We help you find affordable individual insurance options tailored to your needs and budget. - Compliance with Florida regulations
We ensure your individual insurance plans comply with state regulations and the latest coverage requirements.
Common questions about individual insurance.
What is individual health insurance?
Individual health insurance is a policy purchased by an individual, either through the marketplace or privately, providing coverage for medical care. It’s a great option for those who aren’t covered by a group plan or need additional coverage outside their employer’s offerings.
How does individual disability insurance work?
Individual disability insurance provides income replacement if you are unable to work due to illness or injury. It can be short-term or long-term coverage, and we help you find the best options based on your financial needs and personal situation.
Can I get life insurance if I don’t have an employer-provided policy?
Yes! Individual life insurance allows you to secure coverage outside of your employer-provided benefits. We offer a range of policies to fit your needs, from term life insurance to whole life insurance.
What is long-term care insurance?
Long-term care insurance provides coverage for services like nursing homes, assisted living, and in-home care. It’s a crucial option for protecting your financial future in case you need extended care as you age.
