Insurance options for your family, health, property and business
Insurance needs change with your family, your health, your property, your stage of life and your business. The first step should be understanding what needs protection, not picking a policy at random.
At Alemay Business, we help identify what needs protection and coordinate the insurance process. Available options are reviewed with the properly licensed insurance professional for the product and jurisdiction involved.
We work with individuals, families and businesses. Miami office and virtual service when appropriate, in English and Spanish.
At a glance
- Service
- Insurance guidance, needs evaluation and coordination for individuals, families and businesses through properly licensed professionals.
- Categories
- Life; Health & ACA Marketplace; Medicare; Auto & Home; Commercial Insurance; Annuities.
- Access
- Miami office and virtual service when the product and jurisdiction allow.
- Getting started
- Schedule a consultation or reach out on WhatsApp.
Insurance should start with your real situation, not a random policy
Buying coverage without looking at the whole picture is how people end up paying for what they do not need and missing what actually matters. Before comparing anything, it helps to understand who depends on you, what you own, what your business does and what you already have in place.
That review is where Alemay Business starts. From there, we coordinate the properly licensed insurance professional for the category, product and jurisdiction involved, and we stay with you through the process.
When it makes sense to review your insurance
These are common situations among the individuals, families and business owners who come to review their coverage in Miami and other states.
- You want to financially protect your family
- You need health insurance
- You are looking at ACA / Marketplace coverage
- You are approaching Medicare or already enrolled
- You need to insure your car
- You bought a home
- You live in a condo
- You rent a property
- You own a business
- You have commercial vehicles
- You have employees
- You need to look at business liability
- You want insurance to fit into your estate planning
- You are weighing options for certain retirement objectives
- Your current policy is coming up for renewal
- Your family situation changed
- You opened or expanded a business
- You are not sure what kind of coverage you need
- You want to review the policies you already have
Insurance categories we can review with you
Life Insurance
Life insurance can be part of a broader strategy to financially protect the people who depend on you and to coordinate certain family and estate goals.
What makes sense depends on your situation, not on a product picked in advance. The evaluation is handled with the properly licensed professional for the product and jurisdiction.
When it is relevant, this conversation can connect with your Estate Planning.
What we look at
- Family situation
- People who depend on you
- Existing obligations
- Personal and family goals
- Relationship with your estate planning
- Beneficiary designations
- Protection needs identified in the review
Health Insurance & ACA Marketplace
We can help you review health coverage for individuals, families and certain businesses when applicable, coordinating with properly licensed professionals.
Availability, eligibility, costs, premium tax credits and enrollment periods depend on the applicable rules, your situation and the options available. We cannot promise a subsidy or free coverage.
Assistance can include
- Options available based on your situation
- Enrollment when applicable
- Organizing the required documentation
- Changes in your situation that may be relevant
- Coverage renewal
- ACA / Health Insurance Marketplace when applicable
Medicare
Medicare raises a lot of questions, both for people looking at it for the first time and for people already enrolled who want to review where they stand. The first step is understanding your own situation before looking at options.
The options and periods available depend on the beneficiary's situation and the applicable rules. This page is general and educational: it does not describe or promote any specific plan, benefit or enrollment outcome.
Situations we can review
- People approaching Medicare
- People who are already enrolled
- A general review of needs
- Options available based on the situation
- Enrollment when applicable
- Review during the applicable periods
Auto & Home Insurance
Alemay Business can help you review what you need to insure — auto, homeowners, condo, renters and certain properties — and coordinate the options available through the properly licensed professional.
Product, coverage and carrier availability vary by state, by product and by the licensed professional who can be involved in each case.
Coverage that can be evaluated
- Auto
- Homeowners
- Condo
- Renters
- Certain properties
- Other personal coverage subject to availability
Commercial Insurance
Reviewing commercial insurance depends on the business, the product, the state and availability. Not every business needs the same policies.
General lines that can be evaluated
- General Liability
- Commercial Auto
- Workers' Compensation
- Commercial Property
- Certain professional coverages
- Other commercial needs depending on the case
Factors we review
- Type of business
- Activity performed
- Employees
- Vehicles
- Properties
- Contracts in place
- Exposure to certain risks
- Third-party requirements when applicable
Your business also connects with Bookkeeping, Business Tax Preparation and Business Credit. Buying insurance does not automatically improve a business's credit or financing.
Annuities
Annuities are insurance products that may be evaluated for certain financial or retirement objectives, depending on the client's situation and the specific characteristics of the contract.
An annuity is not appropriate for everyone. Any evaluation is done with the properly licensed professional, reviewing the terms, conditions and limitations of the specific contract. We do not quote rates, project returns or guarantee tax treatment.
When it is relevant, this conversation can connect with your Estate Planning.
Need a different type of coverage?
Insurance needs vary widely. If your situation calls for another line of insurance, a different specialty or service in another jurisdiction, Alemay Business reviews the need and coordinates the properly licensed professional for it within its partner network. Availability is confirmed case by case.
One point of coordination for different insurance needs
Alemay Business
- Receiving the client
- Understanding the need
- Collecting the initial information
- Identifying the insurance category
- Coordinating the properly licensed professional required for the product and jurisdiction
- Coordinating quotes or available options
- Helping you understand the alternatives
- Coordinating the application or enrollment
- Organizing the documentation
- Supporting you through the process
- Following up
- Helping review renewals when appropriate
- Coordinating with licensed partners when another specialty or jurisdiction is needed
Licensed professional and carrier
The properly licensed professional performs the regulated functions that correspond to their license, line of authority and jurisdiction. Depending on the product, the carrier determines:
- Eligibility when applicable
- Underwriting when applicable
- Acceptance or decline
- Premium
- Terms
- Limits
- Exclusions
- Effective date
- Policy issuance
- Coverage under the contract
- Claim decisions under the policy and the applicable rules
Not every product follows the same process: underwriting and eligibility review apply when they apply, based on the product and the applicable rules.
The options available depend on the carriers, products, authorized relationships, jurisdictions and professionals that may be involved in each case. Alemay Business does not claim to represent every carrier or every plan available in a market.
How the process works
We understand the need
We review what you want to protect, your situation and the type of coverage you are considering.
We identify the category and jurisdiction
We identify the insurance category and coordinate the properly licensed professional whose authority and jurisdiction fit the need.
We review the options available
The properly licensed professional reviews the alternatives available within their license, their authorized carrier relationships and the applicable jurisdiction.
Application or enrollment
We support you through the documentation and the corresponding process. Acceptance, terms and issuance depend on the carrier and the rules of the product.
Follow-up
Alemay Business stays on as your point of coordination for service, review and future needs when appropriate.
There is no universal timeline for approval or issuance: how long it takes depends on the product, the carrier and the information available in each case.
A quote is not the same as an issued policy
- A quote can depend on the information provided
- It can change after underwriting or verification when applicable
- Product and coverage availability can vary
- The final premium is determined by the carrier
- Coverage exists under the issued policy and its effective date
Your needs can also change over time
Alemay Business can help you review your policies or your coverage when appropriate. Reviewing does not mean changing the policy is always the better move: it is about confirming that what you have still matches your situation.
- A policy coming up for renewal
- Family changes
- New vehicles
- Buying or selling a property
- Changes in the business
- Employees
- Retirement
- Medicare eligibility
- Health or situation changes relevant to ACA
- Changes in your assets
What if you need to use your insurance?
Alemay Business can help you identify the appropriate channel and coordinate guidance on the next steps related to your policy. The evaluation, coverage determination, investigation, adjustment and decision on a claim belong to the carrier and/or the authorized professionals who must be involved.
Some insurance needs are part of a bigger strategy
Life insurance, beneficiary designations, certain family needs and specific estate goals may call for coordination with estate planning. Not every insurance need requires estate planning, but when the connection exists it is worth reviewing both together.
Your business also needs to look at its risks
Reviewing commercial insurance can touch your operations, employees, vehicles, properties, contracts, continuity and growth plans.
What information we may need
It depends on the type of insurance and the product being evaluated.
- Name
- Basic contact information
- State of residence
- Type of coverage you are considering
- Information about the person to be insured
- Family information when applicable
- Vehicle information
- Property information
- Business information
- Employees when applicable
- Current policies
- Needs and objectives
- Additional information required by the product or the carrier
Please do not send your SSN, full account numbers, medical records or other sensitive information through public or unsecured channels. We will point you to the right secure channel.
What the service can include
Depending on the case, our support can run from the first review all the way through follow-up, with regulated functions handled by the properly licensed professional.
- Initial consultation
- Needs analysis
- Insurance category identification
- Coordination with the properly licensed professional
- Coordination of available-options review with the properly licensed professional
- Quote coordination when applicable
- Support understanding alternatives reviewed by the properly licensed professional
- Document organization
- Application support and coordination
- Enrollment support and coordination
- Follow-up
- Carrier coordination
- Coordination of existing-policy review
- Renewal support
- Beneficiary coordination when applicable
- Estate planning coordination
- Personal insurance
- Health insurance
- ACA Marketplace
- Medicare assistance
- Property insurance
- Commercial insurance
- Annuities
- Other needs coordinated through licensed partners
Clear expectations from the start
What we do
- Review what you need to protect
- Help you understand options reviewed by the properly licensed professional
- Coordinate the properly licensed professionals
- Help you with the documentation
- Support applications and enrollment
- Coordinate quotes
- Coordinate review of the coverage you already have
- Help you with renewals
- Connect insurance with other areas of planning when relevant
- Follow up
What we do not promise
- Approval
- Policy issuance
- A specific premium
- The lowest price
- A particular amount of savings
- A specific carrier
- Free coverage
- A specific subsidy or premium tax credit
- A specific Medicare benefit
- Claim acceptance
- Claim payment
- A specific annuity return
- A financial outcome
- That every product is available in every state
- That we represent every carrier in the market
Why Alemay Business?
One point of coordination
You do not have to figure out on your own which professional you need: we review the need and coordinate the process.
Individuals, families and businesses
Personal and business needs handled inside the same ecosystem of services.
Several insurance categories
Life, health and ACA, Medicare, auto and home, commercial insurance and annuities.
Properly licensed professionals
Regulated functions are performed by the properly licensed professional for the product and jurisdiction.
Licensed partner network
When a need calls for another specialty or jurisdiction, we bring the appropriate licensed professional into the process.
Miami office
9380 SW 72 ST, Suite 230B, Miami, FL 33173. We also work virtually when the product and jurisdiction allow.
Bilingual service
English and Spanish throughout the process, so you understand what you are evaluating.
Connected to your broader planning
When it is relevant, we coordinate with Estate Planning and with the services your business already uses.
Ale app
Your digital point to schedule, find resources and stay in touch during the process.
A real team behind every case
Alemay Business coordinates the process and works with the properly licensed professionals required by the product, the specialty and the jurisdiction.
Stay connected with Alemay through Ale app
Ale app is the digital platform of Alemay Business. From your phone, you can explore our services, access helpful resources, schedule appointments and stay connected with Alemay Business.
Frequently Asked Questions
Related services
Estate Planning
A full view of your assets, decisions and legacy, with long-term strategy coordinated across professionals.
View serviceTrusts
Legal structures that can be part of how your assets are organized and transferred.
View serviceBookkeeping
Organized books so you know the real position of your business all year long.
View serviceBusiness Tax Preparation
Your business returns based on its structure and corporate documentation.
View serviceFind the right coverage by starting with what you need to protect
Schedule a consultation with Alemay Business to review what you need to protect and coordinate available options with the properly licensed insurance professional for your situation.
Insurance products, coverage, premiums, requirements, eligibility, availability and terms depend on the carrier, the product, the jurisdiction and the applicant's circumstances. Alemay Business coordinates insurance services through properly licensed professionals according to their line of authority and jurisdiction, and is not an insurance carrier. Nothing here guarantees approval, policy issuance, a specific premium, product availability, benefits, financial outcomes or claim payment. The options available may not include every carrier or every product in a market. This page is informational and is not an insurance contract or a complete description of any policy.
Alemay Business · 9380 SW 72 ST, Suite 230B, Miami, FL 33173 · 305-300-2346 · business@alemaybusiness.com · Fax 305-402-0706