I wish to thank you for all your help in the last week's open enrollment meetings. We appreciate the delicious food and beverages that you so kindly provided. I know that i have told you this many times over, but we are so very happy with the services that United Insurance & Investments has performed over the years. It is a pleasure to deal with someone as professional as yourself. You have always gone beyond your normal duties to service the Miccosukee Tribe; I look forward to continuing our relationship for years to come.

-Mercy Martinez
Benefits Coordinator
Miccosukee Tribe of Indians of Florida
November 20, 2002

I want to take this opportunity to thank you again for completing our annual October Benefits & Medical Coverage.
Frank, over 16 years ago, you have managed us through smartest renewals & negotiations starting with our 35 employees, and today with 176 hourly’s and 7 management. Several specifics of what we appreciate so much from you is your consistent guidance year over year, bringing & displaying a minimum of 5 individual manuals of Summaries of Benefit cost comparisons explaining why we would change or keep the existing coverage. I must mention that after our selection, if a new Plan is confirmed, you personally return speaking to our employees in groups, speaking their language is so well regarded. Most of our employees have over 18 years seniority, and they listen, accept, & respect your explanations supporting our Plan.
You are a Friend, and a Real Broker.

James R. Niles
Elite Airline Services of FI. Inc.

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Time: 5:45 PM - 6:30 PM Eastern Time - Check Local Duration: 45 minutes
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Vice President Joe Biden

Frank Garcia has been our Health Insurance broker since 2014. He has continuously helped with renewal negotiations and has answered any questions we have had regarding renewals promptly.

We currently employee approximately 200 people. He helps with providing rates for employee deductions and handles any problems our emplyees might have regarding their health/dental/vision insurance.

I would recommend him and his agency highly to any Business Owner or Humana Resources Director looking for a professional organization. He is always a phone call, or an email away and always gets back to us immediately.


Mary L. Philcox


I wish to recommend Frank Garcia and United Insurance & Financial to any business entity that is seeking to lower their insurance cost as well as increase benefits and service to their Employee Benefits package. We assigned our policy over to Mr. Garcia several years ago, and as soon as we did he was quickly able to review and analyze our medical insurance program, renegotiate our policy with our incumbent carrier, lower our hospital inpatient out-of-pocket expense from $1,250 to $0, and the following month lower our premium by $24,000 annually. We are also extremely impressed and happy with United Insurance & Financials, service and follow up skills. As a business owner I can conquer that insurance is a very complex and expensive and it is not easy to find a business partner like Mr. Garcia who assists you in getting something more cost effective and beneficial. I wish we could have found him and United Insurance & Financial much sooner that we did.

-Mauricio Mendoza
Owner and Managing Partner
Systems American Cargo Inc.
May 29, 2014

It is with great pleasure that I recommend United Insurance & Financial to any employer or organization seeking a professional and service oriented benefit insurance firm. We have enjoyed a nine year relationship with United Insurance & Financial and have always been able to rely on Frank Garcia and his fine organization for prompt, quality service.

Frank and his staff have at all times gone beyond the call of duty to be certain that we are satisfied and very comfortable with the many insurance products that we have purchased from them. Any employee, billing problem or issue of any nature has been quickly and easily resolved by contacting the firms knowledgeable and highly responsive staff members. As we all know from personal experience, it is very difficult to find a company that provides "service after the sale." United Insurance & Financial is a firm that does. They are in a league of their own, and I very much appreciate and respect the high standards or quality by which they conduct business.

I rarely provide letters of reference, but in this instance, I welcome you to feel free to contact me directly at (305) 374-6116 should you wish to do so.

-Edie Laquer
Laquer Corporate Realty Group, Inc.
March 20, 2007

It is with great pleasure that I recommend Frank Garcia and his fine agency United Insurance & Financial to any employer who is looking for a professional employee benefits firm. United Insurance & Financials staff is extremely knowledgeable and always seems to keep the client best interest at mind. I have always been impressed by the quality of service that they provide to there clients. They have been licensed with Blue Cross & Blue Shield of Florida for several years, and I can tell you without any hesitation that they are one of my preferred brokers.

I can recall a time when Frank Garcia came personally to our office to handle a delicate authorization matter for one of his existing clients. I don’t think there are too many brokers that would go out of there way to that degree to make sure that there clients are properly serviced. For this and many other reasons I feel United Insurance & Financial is one of the best employee benefit firms in Dade & Broward County.

-Ray Campuzano
Small Group Sales
Agent Coordinator
March 27, 2007

Neighborhood Health Partnership is pleased to present you with the Preferred Broker Award for your performance and dedication in the past year. We appreciate the commitment you have showed us and look forward to a long lasting business relationship.

-Lisa Kofsky
Vice President of Marketing
Neighborhood Health Partnership
March 7, 2002

I wish to give due diligence to an insurance firm that is extremely professional and competent. Frank Garcia and United Insurance & Financial have handled my employee benefits program, personal insurance and retirement portfolio for over fourteen years. With each program, Frank and his firms have worked diligently to provide me with excellent advice, incredible guidance and relentless service. I think that the amount of time that we have been conducting business speaks for itself.

If you have any further questions concerning United Insurance & Financial, please do not hesitate to contact me at (305) 594-6666.

-Elpidio J. Alvarez
Garcia Home Appliances
June 15, 2003

Congratulations! We want to take this opportunity to recognize your efforts and announce that you have earned a place in our Access One Presidential Circle / the status of an Access One Presidential Circle Winner. Because of your loyalty and dedication make our Access One Individual Plan a success in our market. Therefore, we want to reward you among other brokers in our community.

This is our way to express our gratitude to select Access One Individual product as part of your portfolio and to have trusted us with your clients.

-Cathy Aguirre
Vice President, Individual Sales
Vista South Florida
October 14, 2002