Innovative Benefits

Human Resources

We have been in the insurance business in Florida for over three decades serving businesses of all sizes. Personal planning for the best vaue to our clients. 

With the advent of the Affordable

Care Act (ACA) it is important that

you know your mandates and options. Our plans offer competitive

pricing with flexible benefits. Give us an opportunity to see what we can do for your bottom line.

Insurance is the language of the Practical Life


Contact us today for information: 1.813.752.0781

 Partially Self Funded and Fully Insured Medical Plans

Our Partially Self Funded plans offers an opportunity for you to have the unused claims funding returned to you.

Retirement Planning

We'll explain all the possible solutions you have.


We can help plan your business continuation through a Buy-Sell plan 

Michael F. Smith & Associates Agent

Insurance Services