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FCOA Group Benefits

Benefits you and your Employees can Count on

Group Health & Benefits

Financial Centers offers a full range of insurance and retirement benefits for your business needs. As an independent agency represent  the companies you know and trust, and will work with them directly to shop the best rates and plans for your needs.


Company/Employee Benefits

  • Group Health Coverage (Small and Large Groups)

  • Dental

  • Vision

  • Group Life Insurance

  • Long Term and Short Term Disability Policies

  • Voluntary Supplemental Products: Voluntary products paid for by the employee on a payroll deduction basis. These products are only available with the authorization of the group.

  • 401Ks: Qualified plan that is established through a business and allows employees to contribute a portion of their wages at a pre-tax (tax deductible basis)

  • 403(b) Plan: A retirement plan for certain employees of public schools, tax-exempt organizations and certain ministers.

"Having The Kelly's & FCOA handle our company's insurance has been very beneficial.
They turned a 37% rate increase into a 5% rate decrease without changing the benefits or company.
We are in the Insurance business but decided to go to the expert's and recommended that you do too."


- Florida Marketing Organization, LLC


  • SEP Plans: Simplified Employee Pension Plans (SEP IRAs) provide self-employed individuals and small-business owners access to a tax-deferred benefit when saving for retirement. For more information about SEP Plans click here.

  • Profit-Sharing Plans: A plan that gives employees a share in the profits of the company. Each employee receives a percentage of those profits based on the company's earnings

  • Defined Benefit Plans: Provide a fixed, pre-established benefit for employees at retirement. It is usually based on a formula that takes into account factors like the number of years a participant works for the employer (years of service) and the participant's salary

  • Employee Stock Option Plans (ESOPs):  A benefit plan for employees which makes them owners of stocks in the company.


Executive Benefits

  • Key Man Coverage offers a death benefit that can help cover financial losses that occur at the death of a key person.

  • Buy/Sell agreements between owners provide the company with no interruption should a partner be hit with an unexpected long term disability or death.

  • Deferred Compensation gives the ability to defer compensation for supplemental retirement and additional benefits.

 "FCOA and The Kelly's have handled our company benefits and the results have been amazing. They have provided us with the most aggressive representation and year after year negotiated the best rates imaginable."

                                                                                                                                                      -Audina Hearing Instruments Inc

Below are just some of the companies we represent to assist you with your business benefits needs.

FCOA Group Benefits
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