Business Details
29 Years
experience
Your Trusted Insurance & Financial Partner in Pinecrest, FL
Founded in 1997, United Insurance & Financial (UIF) has established itself as a trusted leader in providing comprehensive insurance and financial solutions. Our agency was built on the foundation of personalized service, with founder Frank A. Garcia bringing over three decades of industry expertise to every client interaction. We specialize in crafting tailored insurance programs for businesses and individuals, offering a full spectrum of Employee Benefits, Commercial Property & Casualty, Life Insurance, and Retirement Planning services across South Florida. Our team of seasoned professionals maintains strong relationships with top-rated carriers to deliver competitive coverage options while prioritizing client advocacy over insurance company interests.With bilingual staff and a commitment to post-sale service, we ensure seamless claims processing, billing support, and ongoing policy optimization. Our client-centric approach has fostered long-term partnerships with organizations ranging from small businesses to large enterprises across diverse industries including healthcare, construction, and hospitality. Recognized by industry leaders like Neighborhood Health Partnership and Access One, we combine technical expertise with personalized attention to navigate complex insurance landscapes. Our mission remains unchanged since inception: to protect what matters most to our clients through customized coverage solutions and unwavering dedication to their financial well-being.
Services
Employee Benefits
Commercial Property
Life Insurance
Retirement Planning
Disability Coverage
Dental Insurance
General Liability
Long Term Care
Health Insurance
Supplemental Coverage
Details
- Year established: 1997
Highlights and features
- We offer 28 years of experience in customized insurance program development
- Our team provides bilingual (English/Spanish) client support for seamless communication
- We maintain exclusive partnerships with top-rated insurance carriers statewide
- Our client retention rate exceeds 90% with policyholders since our founding
- We provide dedicated claims advocacy representing employers, not insurers
What people say
Exceptional service
Cost-saving expertise
Personalized solutions
Long-term partnerships
Bilingual support
Services
Employee Benefits
We design comprehensive employee benefits packages including health, dental, and retirement plans tailored to business needs. Our specialists analyze current programs to identify cost-saving opportunities while improving coverage quality. With access to multiple carriers, we ensure competitive pricing and customized solutions that enhance employee retention and satisfaction.
Commercial Property
Our commercial property insurance protects businesses against physical asset damage from fire, theft, and natural disasters. We assess each client's unique risks to determine appropriate coverage limits and policy terms. Available for various industries including retail, hospitality, and manufacturing with options for business interruption protection and equipment breakdown coverage.
Life Insurance
We offer term and permanent life insurance solutions to protect families and business interests. Our financial needs analysis determines appropriate coverage amounts and policy types for individual and group plans. Specialized options include survivorship policies, key man insurance, and estate preservation strategies to ensure financial security for beneficiaries.
Retirement Planning
Our retirement planning services include SEP-IRAs, 401(k)s, and pension plans tailored to business size and goals. We help establish executive bonus programs and qualified retirement plans with tax advantages. Our experts provide ongoing management to ensure compliance with regulatory requirements and optimal fund performance.
Supplemental Coverage
We provide gap-filling supplemental insurance including accident, critical illness, and hospital indemnity policies. These plans work with primary insurance to reduce out-of-pocket expenses through Section 125 cafeteria plans. Available options include long-term care, disability income, and vision coverage to enhance overall protection.
People
Frank A. Garcia
Founder & President
With over 30 years in insurance, Frank founded UIF in 1997 after successful tenure at MetLife. He specializes in commercial insurance and employee benefits, having served businesses from 10 to 1,000 employees. Recognized by Vice President Biden for healthcare expertise, he maintains active industry leadership.
Questions
What insurance services do you specialize in?
We specialize in employee benefits, commercial property & casualty, life insurance, retirement planning, and supplemental coverage for businesses and individuals across South Florida.
How do you help businesses save on insurance costs?
Through competitive carrier comparisons, policy analysis, and customized program design that maintains quality while reducing premiums—demonstrated by $24,000 annual savings for one client.
Do you serve businesses outside Miami-Dade County?
Yes, we serve all of Dade, Broward, and Palm Beach Counties with bilingual support and local market expertise for diverse business types.
What makes your agency different from others?
We represent employers—not insurers—with dedicated claims advocacy, bilingual staff, and 28-year relationships with many policyholders since our founding.
How do you handle employee benefit enrollments?
We provide in-person enrollment meetings, multilingual support, and detailed benefit comparison guides to ensure smooth transitions and employee understanding.
Reviews (1)
Andres Lopez
Apr 23, 2020
Report
The lack of professionalism of this company is unbelievable. I seriously cannot explain how horrible it is to deal with Frank. Stay away!
