Sub-Agencies

Bright Harbor Benefits

2 agents

Bright Harbor Benefits is an independent insurance agency operating under the Serenity Insurance Group network, specializing in Medicare, life, and health insurance. As a proud Serenity partner, we are committed to delivering personalized coverage solutions that help clients navigate Medicare with clarity and confidence. Our agents combine deep product knowledge with a client-first approach — building lasting relationships and driving consistent, compliant production across our book of business.

Capital Risk Insurance Group

1 agent

Welcome to Capital Risk Insurance Group. Founded and operated by life and business partners Melissa Lovera and Joel Llanes, our agency was built on a simple but powerful foundation: providing clear, honest, and comprehensive insurance solutions tailored to your unique needs. Based in South Florida, we specialize in Medicare and Retirement Planning. We understand that navigating the world of insurance and retirement can feel overwhelming so whether you are transitioning into Medicare, protecting your family’s legacy, or securing your hard-earned retirement, we treat your peace of mind as if it were our own.

One Life Legacy Group

One Life Legacy Group is an independent insurance and retirement planning agency dedicated to helping individuals, families, veterans, and those approaching Medicare make confident, informed decisions about their financial future. Led by Lisa Ann Joos, a Life & Health Insurance Broker with more than 20 years of experience, the agency specializes in Medicare Advantage, Medicare Supplement plans, prescription drug coverage, life insurance, annuities, and retirement income strategies. Rather than offering one-size-fits-all solutions, Lisa takes an educational, relationship-focused approach, helping clients understand their options and choose coverage that fits their unique needs and long-term goals. The mission of One Life Legacy Group is simple: provide trusted guidance, exceptional service, and peace of mind so clients can protect what matters most and enjoy retirement with confidence.

Sparks Legacy Team

Michelle Sparks spent 35 years with the Social Security Administration — rising from frontline service roles to executive leadership. She guided thousands of Americans through retirement, Medicare, survivors, and disability. Now she brings that same depth of knowledge directly to you. When you work with Sparks Legacy Team, you're not getting a salesperson. You're getting seasoned professionals who have spent their entire careers making sure people like you get exactly what they've earned.