Boston Mutual is offering Guarantee Issue coverages to Florida’s First Responders, including:

•  24-hour On/Off the Job Accident Coverage
• Critical Illness and Cancer Protection up to $30,000
• Whole Life Insurance options up to $23 per week (Benefit amount varies, based on age)

These benefits, characterized by their “no medical questions or exams” policy, feature significantly discounted group rates, and provide coverage as soon as the enrollment process is completed.

You can enroll in person or over the phone with one of our Elite Enrollment Team of Specialists or by completing the First Responder Enrollment Form provided and returning it to our office. Your coverage will begin on the day following your enrollment completion. We have a dedicated phone line for First Responders (904-527-1315) and will be glad to answer any questions you may have. You can also email (clientservices@eiafl.com) or fax your completed forms to 904-527-1318.

This project was initiated in 2018 by Gregg Gurdak , aimed at providing tailored and exclusive benefits for Florida’s First Responders. Gregg, a former South Florida Firefighter and Life Insurance Agent, deliberately chose to partner with Boston Mutual, a company established in 1891, known for insuring Firefighters and demonstrating a steadfast commitment to safeguarding working Americans, First Responders, and their families.

You can set up a monthly Electronic Funds Transfer (EFT) for your premiums that will draft on the 5th of each month. You may email (clientservices@eiafl.com) or fax your completed forms to 904-527-1318 but be certain to confirm your banking information is accurate and legible or the policy may not process.

You may enroll during the annual Open Enrollment for the Affordable Care Act (ACA) that begins on November 1st until January 15th unless you qualify for a Special Enrollment period.

Contact our office and a Licensed Agent can assist and review your options.

The Annual Open Enrollment for the Affordable Care Act (ACA) is November 1st-January 15th. Contact our office and a Licensed Agent can assist and review your options.

Yes, if you Qualify for a Special Enrollment due to a Qualifying Life Event. Examples of Qualifying Life Events:

• Loss of health coverage
• Losing existing health coverage, including job-based, individual, and student plans
• Losing eligibility for Medicare, Medicaid, or CHIP
• Losing coverage through a parent’s plan
• Changes in household
• Getting married or divorced
• Having a baby or adopting a child
• Changes in residence
• Moving to a different ZIP code or county
• A student moving to or from the place they attend school
• A seasonal worker moving to or from the place they both live and work
• Moving to or from a shelter or other transitional housing
• Other qualifying events
• Changes in your income that affect the coverage you qualify for
• Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder

• Becoming a U.S. citizen
• Leaving incarceration (jail or prison)

The cost of a health plan is determined by household size, household income, and the ages of those insured. Some may qualify for tax credits that reduce the cost of the monthly premiums as well. Please complete the ACA and Consent forms and a licensed agent will assist you and review your options with you.

There is no Open Enrollment period for Dental, Vision or any other Supplemental coverage, so you may enroll in those benefits at any time during the year. Contact our office and a Licensed Agent can assist and review your options.

For Medical plans for Employees, the ages, location, and age of any dependents they may be covering. An Employer portion is typically required of 50% of the lowest-cost plans. And there are some supplemental coverages that can be offered at no cost to the Employer:

• Accident plans
• Cancer coverage
• Critical illness plans
• Hospital confinement plans
• Disability coverage and term
• Whole life insurance coverages.

Please submit the Census attached here and submit it for your quote. A Licensed Agent can assist you and review your options.

Benefits can be offered to Businesses with as few as three employees.

Contact our office and a Licensed Agent can assist and review your options.

You can complete the Group Census form that is listed here and email or fax it to our office.  One of our Employee Benefit Specialists will reach out to you to gather any additional information needed and set up a time to review your options.  Quotes, benefit selection, education and enrollment implementation can take place in under thirty days, but times can vary depending on group size and complexity.

No, you can add and implement Group Benefits, Voluntary Employee benefits and Retirement plans for your business at any time during the year. Benefits will begin the first of the month following the implementation. Benefits additions can be aligned together with any existing benefits at a later date to align Open Enrollment processes.

We have Licensed Agents that specialize in assisting clients through the process of applying for Medicare Part A & B, reviewing their Medicare coverage options and enrolling in a Medicare plan that is right for you.

Please submit the Medicare and Consent forms if you would like a Licensed Agent to assist and review your options.

The Annual Open Enrollment for Medicare begins October 15^th and ends December 7^th.   Contact our office and a Licensed Agent can assist and review your options.  

You may be able to stay on your Employer’s plan while you are continuing to work. We’ll complete a thorough evaluation and comparison so you can review our options and make the best decision for your current situation.

Please submit the Medicare and Consent forms if you would like a Licensed Agent to assist and review your options.

Yes, depending on your circumstances, you may qualify for a Special Enrollment period and may be able to change Medicare plans during a special 2-month Medicare Special Enrollment Period.  During this time, you usually can join, switch or drop a Medicare Advantage plan or a Part D prescription drug plan.

You may be granted a Special Enrollment Period (SEP) in certain situations such as:

• You move out of your current Medicare plan’s service area.
• You move within the current plan’s service area and have new plan choices.
• You move into or out of an institution.
• Your Medicare plan stops serving your area or loses its contract with Medicare.
• You lose creditable drug coverage through no fault of your own.
• You lose retiree, union or COBRA coverage.
• Gaining or Losing Medicaid Status
• You have a Weather Related Disaster or Emergency that creates a Special Enrollment Period for Medicare enrollees in certain areas.

Life Insurance Calcutator 

Please submit the Life Insurance form and submit for your quote. A Licensed Agent can assist and review your options.

• pay final expenses
• replace all or a portion of your income
• keep your family in their home
• establish a college education fund
• cover financial emergencies
• provide a child and/or home care fund

Please submit the form below for your quote. A licensed agent can assist and review your options.

Roth IRA vs. Traditional IRA Overview

An individual retirement account (IRA) is a way to save for retirement and save on taxes as well. There are two types of IRA: the traditional IRA and the Roth IRA. Though their goals are similar, traditional and Roth IRAs differ in some key ways:

• The traditional IRA allows you to contribute a portion of pre-tax dollars. That reduces your taxable income for the year while setting aside the money for retirement. The taxes will be due as you withdraw the money.
• The Roth IRA allows you to contribute post-tax dollars. There are no immediate tax savings but once you retire the amount you paid in and the money it earns are tax-free.

Contact our office and a Licensed Agent can assist and help review your options.

Yes, if the accounts are eligible to be combined, here are three main reasons to consolidate your accounts: lower fees, less legwork, and it’s easier for your beneficiaries.

Contact our office and a Licensed Agent can assist and help review your options.

 We have several companies that insure travelers for medical reimbursements, trip cost replacement and cancellations due to unexpected circumstances.  The coverage is suitable for vacations, college students studying abroad, frequent travelers, and for groups traveling for business and mission-related activities.