Independent 2-15 brokerage — group benefits, life, continuity, and tax-aligned wealth strategies.
SumerPlus is an independent Florida 2-15 (Life & Health) brokerage that designs group benefits, life, disability, and tax-aligned wealth strategies without carrier quotas.
As an independent agency, we shop the entire market to design portfolios that serve your tax and financial interests — not a single carrier's quota.
Book a Free Insurance Consultation2-15 licensed design for small teams
Custom employer-sponsored group health, dental, vision, and disability plans that retain talent while qualifying as tax-deductible business expenses.
Recruit and retain key talent
Specialized life insurance strategies such as Section 162 plans funded with tax-advantaged corporate dollars.
Business continuity when an owner exits
Life and disability insurance that funds seamless equity transfer so surviving owners keep control without draining reserves.
Protect revenue from critical loss
Policies on employees whose loss would financially impact the business — instant liquidity for gaps and replacement.
Life, annuities, and family protection
Personal income tax optimization paired with tax-advantaged retirement vehicles and family asset protection.
Professional protection under pressure
Audit support, back-tax negotiation, and Offers in Compromise — with insurance and entity structure kept in view.
Qualified medical plans and owner benefits can be structured as legitimate business deductions — reducing corporate profit before IRS, when done correctly.
Without funded Buy-Sell agreements, a partner's share can pass to heirs who may freeze accounts or force a cash buyout. We fund the legal structure with independent coverage.
Group benefits lower turnover; pre-tax structures can reduce FICA matching while company contributions reduce taxable profit.
