Insurance Services

Comprehensive insurance solutions with personalized guidance from licensed independent agents

Our Insurance Services

Life Insurance

Protect your family's future with comprehensive life insurance coverage.

  • • Whole Life Insurance
  • • Term Life Insurance
  • • Universal Life Insurance
  • • Final Expense Insurance

Health Insurance

Find the right health coverage for you and your family.

  • • Individual Health Plans
  • • Family Coverage
  • • Medicare Supplements
  • • Dental & Vision

Business Insurance

Protect your business with comprehensive coverage options.

  • • General Liability
  • • Professional Liability
  • • Workers' Compensation
  • • Commercial Property

Disability Insurance

Protect your income if you become disabled.

  • • Short-term Disability
  • • Long-term Disability
  • • Occupation Protection
  • • Income Replacement

Long-term Care

Coverage for long-term care services and facilities.

  • • Nursing Home Care
  • • Home Health Care
  • • Assisted Living
  • • Adult Day Care

Mortgage Protection

Ensure your family can keep their home.

  • • Mortgage Life Insurance
  • • Disability Mortgage Insurance
  • • Critical Illness Coverage
  • • Payment Protection

Some of Our Carriers

Why Choose FLO FACTION Insurance?

Independent Agency Advantage

Multiple Carriers

We represent multiple insurance carriers, not just one company, giving you more options.

Personalized Service

We take the time to understand your unique needs and find the best coverage for you.

Ongoing Support

We're here for you throughout the life of your policy, not just during the sale.

Our Process

1

Free Consultation

We start with a free consultation to understand your needs and goals.

2

Quote Comparison

We compare quotes from multiple carriers to find the best value.

3

Application Support

We guide you through the application process and answer all your questions.

4

Ongoing Service

We provide ongoing support and and help with claims and policy changes.

Carriers We Work With

We work with 150+ of America's top-rated insurance carriers (many AM Best A to A++). Below are a few of our featured partners. Logos are trademarks of their respective owners and shown for identification only.

This is a representative list and may vary by state and product availability.

Meet Your Team

Flo Faction Insurance is a family‑owned agency. You’ll work directly with Sandra (Mom), Paul, and Justine — licensed independent agents focused on fitting coverage to your needs and budget.

Sandra (Mom)

Licensed Independent Agent • Life & Health

Paul

Licensed Independent Agent • Life & Health

Justine

Licensed Independent Agent • Life & Health

Get Your Free Insurance Quote

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What type of insurance are you looking for?

Whole Life Insurance

Permanent coverage with cash value accumulation

  • Death benefit
  • Cash value
  • Fixed premiums
  • Tax advantages
Term Life Insurance

Temporary coverage for specific periods

  • Affordable premiums
  • Death benefit
  • Flexible terms
  • Convertible options
Universal Life Insurance

Flexible permanent coverage with adjustable premiums

  • Flexible premiums
  • Cash value
  • Death benefit
  • Policy loans
Disability Insurance

Income protection if you become disabled

  • Income replacement
  • Monthly benefits
  • Occupation protection
  • Partial disability
Long-term Care Insurance

Coverage for long-term care services

  • Nursing home care
  • Home health care
  • Assisted living
  • Adult day care

Important Disclaimers

  • • We are licensed independent insurance agents
  • • We represent multiple carriers, not just one company
  • • We receive commissions from insurance carriers
  • • We cannot guarantee specific rates or approval
  • • All quotes are subject to underwriting approval

Get In Touch

Call Us

(772) 208-9646

Available Monday-Friday 9 AM - 6 PM EST

Email Us

flofaction.insurance@gmail.com

We respond within 24 hours

Visit Us

Stuart, FL 34994

Virtual consultations available

Ready to Get Started?

Get your free insurance quote today. Our licensed agents are ready to help you find the perfect coverage for your needs and budget.