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Insurance Services

The right insurance coverage is essential to any comprehensive financial plan. If tragic events like death, disability, or critical illness strike, insurance can protect you and your family from undue hardship. Regardless of how much time or money you spend building your investments, one unfortunate event can quickly erode their value if you don’t have an appropriate insurance plan in place.

As you walk the different stages of your life, your insurance needs follow close behind. That term-life policy you purchased when you had your first child may not cover you and your spouse's current income anymore.

We want to learn more about your story and walk you through different what-if scenarios to determine:

  • What's important to you and your family
  • If you are paying for insurance you no longer need
  • What kind of coverage you currently need and for how long

We will then help you select coverage from a variety of insurance options to meet the needs identified in your evaluation.

Life Insurance

  • Provides infusion of cash when you need it the most
  • Potential creditor protection
  • Favorable tax treatment
  • Pension alternative

Long term care, Disability & Critical Illness

  • Protect your income from unexpected events
  • Maintain financial independence and lifestyle in the event of disability
  • Cover home/business expenses during disability
  • Home-care coverage during illness and recovery periods


  • Medicare Supplements
  • Medicare Advantage plans (HMO,PPO,etc.)
  • Prescription Drug Plans

If you are in need of an insurance coverage review contact Yoanna Menendez at or 813-571-1233 to schedule a consultation.

If anyone depends on you or your income, you need an insurance plan.