Business Details
31 Years
experience
Trusted Medicare and Insurance Services in Sebring, FL
O'Sullivan Insurance Agency has dedicated itself to empowering seniors in Sebring, FL, and across Florida with comprehensive insurance solutions since 1995. Our agency specializes in Medicare education and supplemental insurance, ensuring clients understand their options and select plans tailored to their unique needs. With decades of combined experience in the insurance industry, our team prioritizes personalized service, offering in-person consultations to evaluate individual requirements and access to all major health insurance providers for competitive pricing.As a Florida Retirement System Vendor, we bring specialized expertise in navigating retirement benefits and paperwork, providing clients with the confidence to plan for their financial future. Our commitment to transparency, ethical practices, and client-centric guidance has established us as a trusted partner in securing long-term healthcare and financial stability for our community.
Services
Medicare Insurance
Supplemental Insurance
Annuities
Life Insurance
Long Term Care Plans
Medicare Education
Details
- Year established: 1995
Highlights and features
- We offer personalized in-person consultations to assess your unique insurance needs.
- Our agency is not tied to a single insurance provider, ensuring unbiased recommendations.
- Owner John O'Sullivan brings decades of experience in senior insurance solutions.
- We provide comprehensive Medicare education to empower informed decision-making.
- Our services include access to all major health insurance providers for competitive pricing.
Services
Medicare Insurance
We provide comprehensive Medicare insurance solutions, helping clients navigate Original Medicare, Advantage Plans, and supplemental options. Our agency educates seniors on coverage gaps and assists in selecting plans that align with their healthcare needs and budget. With access to all major providers, we ensure competitive pricing and personalized recommendations.
Supplemental Insurance
Our supplemental insurance services address Medicare coverage gaps for copayments, deductibles, and coinsurance. We evaluate individual needs to recommend standardized MediGap policies and additional benefits. By comparing plans from multiple insurers, we help clients secure affordable, comprehensive coverage tailored to their lifestyle.
Annuities
We offer annuity solutions to convert savings into reliable retirement income. Our services include fixed, variable, and indexed annuities with features like lifetime payments, market protection, and tax-deferred growth. We guide clients in selecting annuities that complement their retirement strategies and provide financial security.
Life Insurance
Our life insurance services provide tax-free death benefits to protect loved ones financially. We offer term and permanent policies to cover income replacement, debts, and legacy planning. We help clients choose coverage that aligns with their family's needs and long-term financial goals.
Long Term Care Plans
We specialize in long-term care insurance to cover assistance with daily living activities. Our plans protect assets from high care costs while preserving independence. We help clients design strategies for home care, assisted living, or nursing home coverage tailored to their preferences.
People
John Francis Patrick O'Sullivan II
Owner
John O'Sullivan brings decades of insurance expertise to seniors in Sebring, FL. A former U.S. Navy engineer and Florida Retirement System Vendor, he specializes in Medicare education and senior insurance solutions. His family legacy in insurance drives his commitment to personalized, ethical guidance.
Questions
What Medicare plans are available in Sebring, FL?
We offer Original Medicare, Advantage Plans, and Supplemental Insurance (MediGap) tailored to individual healthcare needs.
How can supplemental insurance help with Medicare gaps?
MediGap plans cover copayments, deductibles, and coinsurance not included in Original Medicare, reducing out-of-pocket costs.
What annuity options provide lifetime income?
Fixed, variable, and indexed annuities offer guaranteed income streams, market protection, and tax-deferred growth for retirement security.
Why is long-term care planning important?
It protects assets from high care costs while ensuring personalized care options for assisted living, home care, or nursing homes.
How do I apply for Medicare benefits?
Schedule a consultation six months before turning 65 to understand enrollment periods and select appropriate coverage.
