Business Details
19 Years
experience
Trusted Insurance Solutions in West Palm Beach
Insurance Services of Palm Beach is an independent insurance agency dedicated to providing comprehensive Medicare, Employee Benefits, Health, and Life Insurance solutions. With decades of combined experience, our team specializes in helping individuals and businesses navigate the complexities of insurance to find coverage tailored to their unique needs. We work with major insurance carriers to offer clients appropriate options while maintaining a focus on personalized advice and long-term planning.Our commitment to local community ties and industry expertise positions us as a trusted advisor for clients across Florida and select other states. We prioritize transparency, offering no additional fees for our services, which are compensated directly by carrier partners. Our mission centers on empowering clients to make informed decisions that align with their financial and health-related goals.
Services
Medicare Solutions
Health Insurance
Employee Benefits
Life Insurance
Long-Term Care
Details
- Year established: 2007
Highlights and features
- We offer locally owned service with deep community ties and a commitment to reputation.
- Our team has decades of combined experience in insurance and financial sectors.
- We maintain annual training and certification for Medicare and insurance expertise.
- Our services are provided at no additional cost through carrier partnerships.
- We specialize in personalized insurance advice for individual and business clients.
What people say
Expertise in insurance
Patient nature reassures clients
Made the process simple
Prompt call returns
Found best plan for needs
Services
Medicare Solutions
Our Medicare specialists provide comprehensive plan comparisons and enrollment assistance tailored to individual healthcare needs. We help clients navigate Original Medicare, Advantage plans, and prescription drug coverage options while considering long-term care requirements. With annual certification in Medicare products, we ensure clients receive up-to-date information about available plans in their service area.
Health Insurance
We offer personalized health insurance evaluations for individuals and families, including ACA-compliant plans and short-term medical coverage options. Our team provides side-by-side comparisons of network providers, premium costs, and deductible structures to help clients select appropriate coverage based on their medical needs and budget considerations.
Employee Benefits
Our agency specializes in designing employee benefit packages for small to mid-sized businesses, including health, dental, and vision insurance options. We work directly with employers to implement cost-effective group plans while ensuring compliance with current regulations and providing ongoing support for plan administration and employee enrollment.
Life Insurance
We provide life insurance solutions to protect clients' financial legacies, including term and permanent policy options. Our consultants help determine appropriate coverage amounts based on family needs, outstanding debts, and future financial goals while explaining policy features and underwriting requirements.
Long-Term Care
Our long-term care insurance specialists help clients plan for future healthcare needs through customized coverage solutions. We explain policy benefits, elimination periods, and coverage limits while helping clients understand how these policies integrate with their overall retirement and estate planning strategies.
People
Marc Karbowski
Owner
With over two decades in financial services, Marc specializes in health insurance and Medicare solutions. He holds expertise in ACA compliance and employee benefits, providing personalized guidance to individuals and businesses while maintaining a client-focused approach to coverage selection.
Debbie Gowan
Account Manager
As a dedicated account manager since 2018, Debbie provides ongoing support for group clients, ensuring smooth implementation and administration of employee benefit plans. Her focus on clear communication and client satisfaction makes her a vital part of our service delivery team.
Liz Martorella
Agency Principal
Establishing the agency in 2007, Liz brings extensive experience from her previous role as VP at Brown & Brown. With the Life Underwriter Training Council Fellowship designation, she specializes in strategic employee benefits planning and maintaining high service standards across client relationships.
Keli Karbowski
Outreach Coordinator
Combining behavioral health expertise with insurance outreach, Keli connects with community members to explain coverage options. Her background in social work and commitment to client well-being enhances our approach to personalized insurance education and support.
Questions
What insurance products do you offer?
We provide Medicare solutions, health insurance, employee benefits, life insurance, and long-term care coverage. Our independent agency represents multiple carriers to offer comprehensive options.
Do you charge for insurance consultations?
No, our services are provided at no cost to clients as we receive compensation from insurance carrier partners for placed policies.
How can you help with Medicare decisions?
Our Medicare specialists provide plan comparisons, enrollment assistance, and ongoing support to help clients select coverage that matches their healthcare needs and budget.
Do you serve businesses outside Florida?
While based in West Palm Beach, we serve businesses and individuals across Florida and select other states with appropriate insurance solutions.
How do I schedule an appointment?
Contact us at 954-547-4231 or through our website to request a no-cost consultation at your convenience.
