We Help You Take the Guesswork Out of Coverage.
Worried About Rising Healthcare Costs or Final Expenses?
At FFBA, we simplify the process and help you find affordable coverage that fits your needs, so you can protect your health, your family, and your future with confidence.
Hi, I’m Francis — and I’m Here to Help You Feel Confident About Your Coverage
Hi,
I’m Francis,
and I’m Here
to Help You
Feel Confident
About Your
Coverage
When insurance feels overwhelming, I help make it simple — and personal.
I know how confusing Medicare, life insurance, or long-term care coverage can be. You’re often expected to figure it all out on your own. With all the fine print, deadlines, and back-and-forth calls, it’s easy to feel lost, frustrated, or unsure where to even begin.
That’s why I started F&F Benefit Advisors. I want to guide people through this process with care, clarity, and no pressure. Whether you’re comparing Medicare plans, looking for funeral coverage, or securing your family’s future with life insurance, I’ll make sure you understand your options and feel confident in your decisions.
—You’re not just a client. You’re a person with real needs. —
Let’s sit down, talk through your goals, and build a plan that gives you peace of mind. You don’t have to navigate this alone. I’m here for you every step of the way.
Helping you feel confident, not confused
Our Insurance Services Made Simple
Medicare Guidance
Rx Plans
Medicare Advantage
Life Insurance
Annuities
Long Term Care
Looking for more? Explore our services Here!
Call Today: (610) 905-3007
Trusted Voices: Clients Who’ve Found Clarity and Confidence
Real People. Real Peace of Mind. See how working with Francis has helped others feel informed, protected, and supported.
"Medicare confusion"
“I was completely overwhelmed by Medicare. I didn’t know where to start or what plan would cover my prescriptions. Francis took the time to explain everything clearly and helped me find a Medicare plan that actually works for me. I felt seen, heard, and supported from day one.”
- Carmen M.
"Wish I've done this sooner"
I kept putting off life insurance because I thought it would be too expensive or confusing. Francis made the process so easy. She found me an affordable plan that gives me peace of mind knowing my family will be protected. I only wish I had done this sooner.”
— Jose R.
"Highly recommend this"
“After my husband passed, I realized how important it is to plan ahead. I didn’t want my kids to be left with funeral expenses or paperwork. Francis helped me find a funeral insurance plan that fit my budget and gave me peace of mind. She truly cares.”
— Maria P.
Frequently Asked Questions
“I keep hearing Medicare is ‘free’—so why are my healthcare bills still going up?”
It’s a common misconception that Medicare costs nothing. While Part A (hospital insurance) is free for most people, other parts—Part B (medical services) and Part D (prescription drugs)—have premiums, deductibles, and copays. You may still face 20% coinsurance or out-of-pocket caps even after paying premiums
“I’m overwhelmed by plan options—how do I know which Medicare plan fits me?”
You’re not alone. Comparing fee structures, provider networks, prescription coverage, and eligibility rules—especially for Medicare Advantage vs. original Medicare plus Medigap—can feel impossible. We simplify that choice and match you with the plan aligned to your needs and expected healthcare usage
“Do I really need life insurance at this stage in my life?”
Yes—especially if you have debts, expect final expenses like funeral costs, or want to leave something behind for loved ones. Affordable coverage today can prevent future financial stress for your family.
“How much life insurance should I get, and can I afford it?”
Your coverage depends on your family’s needs—such as paying off a mortgage, supporting dependents, or covering medical or funeral costs. We’ll help find a policy that balances careful protection with your monthly budget.
"I’ve heard annuities lock your money in—will I lose access to my savings?”
Some annuities include surrender periods where early withdrawals trigger penalties (often 5–10% annually, especially in early years) . You should understand liquidity rules clearly before choosing.
“How do I know if an annuity is safe?”
Safety depends on the financial strength of the insurer. Look for ratings like AM Best A‑ or better and make sure a state guaranty fund backs your contract up to mandated limits. We only work with financially stable providers
Why These Answers Matter
Many of the most frequent concerns, rising healthcare costs, confusing plan options, unaffordable premiums, liquidity penalties, and high fees, stem from not having the right guidance. FFBA helps cut through the confusion, so you feel secure knowing you understand your coverage and financial options.
What to Expect When You Work With FFBA
Insurance can feel complicated. We make it simple, personal, and stress‑free.
Step 1 – Schedule Your Free Consultation
You choose a time that works for you. We’ll sit down together (in person or over the phone) to learn about your needs, budget, and concerns.
Step 2 – Get Clear, Easy‑to‑Understand Options
No jargon, no pressure. We’ll walk you through Medicare, life insurance, or other coverage choices so you know exactly what each plan offers and costs.
Step 3 – Choose a Plan That Feels Right
You’ll leave feeling confident about your decision. We handle the enrollment paperwork and make sure you have the right coverage in place.
Step 4 – Ongoing Support Anytime You Need It
Questions don’t stop after you sign up, and neither do we. Whether it’s billing issues, plan changes, or renewals, we’re here for you year‑round.
Ready to Find Coverage That Fits Your Life?
We’re Here for You!
Let’s Find the Right Coverage Together
Have questions about Medicare, life insurance, or planning for the future? We’ll take the time to explain your options and guide you every step of the way — no pressure, just clear answers.
Personalized Guidance You Can Trust
Coverage Options That Fit Your Needs
Support Even After You Enroll
Copyright©2025 F&F Benefit Advisors, LLC. All Rights Reserved.
Copyright©2025 F&F Benefit Advisors, LLC. All Rights Reserved.