SCC insurance group

SCC insurance group Helping individuals, families, business owners & federal employees protect what they've built while planning for the future.

Specializing in retirement planning, investments, insurance, and wealth preservation through personalized financial strategies.

09/11/2026

You and your business partner get along great... until you don't. 🤝

If your business has 2+ owners, ask yourself: what happens if one of you dies, becomes disabled, or wants out?

Without a FUNDED buy-sell agreement, that moment can turn into:
🔹 A partner's spouse suddenly owning part of your business
🔹 Surviving partners forced into debt to buy someone out
🔹 A legal fight over what the business is even worth

A funded agreement = pre-agreed valuation + insurance backing the buyout, so the money is there when it's needed.

We coordinate with your attorney & CPA to make sure yours is actually funded.

📞 Call/text (754) 283-0023 or link in bio for a free Buy-Sell Review.

09/10/2026

Losing good people to bigger benefits packages? 👀

Turnover usually costs more than the benefits would have.

The good news — a competitive package doesn't require a corporate budget:
🔹 Health, dental & vision options
🔹 Group life & disability coverage
🔹 Plans that fit your budget now, add coverage as you grow

If hiring or keeping good people has been on your mind lately, let's talk.

📞 Call/text (754) 283-0023 or link in bio for a free Group Benefits Review.

09/09/2026

Liability insurance protects your business. Not you. 🛑

It covers slip-and-falls, property damage, and lawsuits against the business — but that's where it stops.

Here's what's still exposed:
🔹 Your paycheck — disability coverage protects income, not GL
🔹 Overhead & payroll — rent and payroll don't pause when you can't
🔹 Partner buyouts — needs a funded buy-sell agreement
🔹 Your family's future — that's what life insurance is for
🔹 Keeping good employees — group benefits retain talent, not GL

If liability insurance is the only coverage your business has, there are gaps worth a second look.

📞 Call/text (754) 283-0023 or link in bio for a free Full Protection Review.

08/28/2026

Retiring soon? Your FEGLI doesn't just carry over the way you'd expect.

There's a 5-year coverage rule that determines whether you can keep it at all, three different paths your Basic coverage can take at 65, and a quiet detail in Option B/C that surprises a lot of retirees after the fact.

We break it all down in under 90 seconds. If you're within a few years of retiring, it's worth watching before you fill out any paperwork.

Questions about your own coverage? Call or text us at (754) 283-0023 — happy to walk through it.

08/26/2026

If you're retiring at or near 65, this is worth two minutes of your time.

Active federal employees get a special grace period that lets them delay Medicare Part B without penalty. Once you're retired, that grace period generally doesn't apply to you anymore — and if you miss your own enrollment window, the penalty is permanent, added to your premium for as long as you have Part B.

We cover the 5-year FEHB rule, the difference between active and retired timing, and what to decide before your retirement date — not after. Call or text (754) 283-0023 if you want help thinking through your specific timeline.

08/26/2026

FEGLI and private term insurance protect the same risk — but they work differently.

FEGLI is convenient and generally doesn’t require medical underwriting. But Option B premiums increase in five-year age bands and can become expensive later. Private term coverage is medically underwritten, but qualified applicants may lock in a rate for the selected term.

For many federal employees, the right answer isn’t automatically one or the other — it may be the right mix.

DM “FEGLI” for a complimentary federal-benefits review.

08/24/2026

"I'm young and healthy, so this doesn't really apply to me." Is that a fact, or a feeling?

According to the Social Security Administration, roughly 1 in 4 of today's 20-year-olds will experience a disability before reaching retirement age.

Most disabilities aren't dramatic, sudden-onset events. They're back injuries, cancer treatment, autoimmune conditions, and mental health conditions that build gradually.

None of that shows up on a highlight reel of things that happen to other people — which is exactly why it's easy to underestimate.

https://sccinsurancegroup.com/individual-disability-insurance-south-florida/

08/21/2026

If you were out of work for six months starting tomorrow, how much of your paycheck would still show up?

Most employer-provided disability plans replace somewhere around 60% of base pay. And that 60% is usually calculated before bonuses, differentials, or overtime — which typically aren't counted at all.

None of that makes employer coverage bad. It's often just a starting point, not a complete plan.

https://sccinsurancegroup.com/individual-disability-insurance-south-florida/

08/18/2026

Federal retirement gets described as a three-legged stool: your FERS pension, Social Security, and your TSP.
In practice, most federal employees know one leg well, have a rough idea of the second, and guess at the third.
A short leg still stands. It's just less stable than it looks.
https://sccinsurancegroup.com/retirement-readiness-review/

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Pompano Beach, FL
33062

Telephone

+17543062687

Website

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