FFL Insurance Agency, LLC

FFL Insurance Agency, LLC Independent Insurance Broker serving Southern California and Illinois. We represent You. We represent YOU. We are appointed with many insurance carriers.

Medicare | LTC | Group & Individual Health | Group & Individual Life | Disability | Buy-Sell Insurance | Key-Employee FFL Insurance Agency, LLC (FFLIA), CA License No. 0G83980, is a local Independent Insurance Broker/Agency. We have been a licensed independent non-captive insurance broker for over 23 years and have been appointed with many insurance carriers. We offer health, LTC, Disability, Life

insurance, Buy-Sell, and Key-Employee. We represent you. This means that we provide the information for your needs and goals so you can make an informed decision rather than telling you to go with a specific insurance carrier. This is how we are different from other brokers. Brokers or Agencies that are captive or employed by insurance carriers will present you with their company products only, which may not be suitable for you. Our only goal is to ensure that your needs are taken care of and met. Some examples of the insurance carriers we represent are Blue Shield of California, Aetna, National Life Group, Sharp Health Plan, California Choice, and United Healthcare.

Approaching age 65 or already on Medicare?Understanding the parts of Medicare can help you avoid costly surprises.This s...
03/11/2026

Approaching age 65 or already on Medicare?

Understanding the parts of Medicare can help you avoid costly surprises.

This simple guide explains:
• What Parts A and B cover
• How Medicare Advantage works
• Why prescription drug coverage matters

If you want help reviewing your options, I offer free Medicare consultations.

Worth reading.
01/21/2026

Worth reading.

A quiet conversation about responsibility, timing, and the lives women hold together

10/22/2025

🚨 Medicare Open Enrollment Ends December 7!
This is your last chance to make changes before 2026.

Once it closes, most people must wait until next year to update their coverage.

Don’t risk paying more — or missing out on benefits that fit your life.
📩 Message “AEP” or email [email protected] today to review your plan


10/21/2025

Countdown Reminder

⏰ Medicare AEP!
Don’t wait — the December 7 deadline will sneak up before you know it.

✅ Review now, relax later
✅ Avoid last-minute rush
✅ Get personalized help — for free

📲 Contact FFL Insurance Agency today for your plan review.


10/20/2025

📖 “I didn’t realize how much I was overpaying until I reviewed my plan. Now I save over $600 a year and still see my doctor!” – Real client

A simple review can make a big difference.
💙 Let’s find the plan that fits you.


10/18/2025

Benefits Focus

✨ Get more from your Medicare plan!
Did you know some Advantage plans now include:

Dental 🦷

Vision 👓

Hearing 👂

Fitness perks 🏋️‍♂️

Even OTC allowances 💊

Let’s find the plan that gives you more value for your health and your wallet.
📩 Message “REVIEW” and let’s compare your 2026 options.


10/17/2025

Truth or Myth

🚫 MYTH: “I don’t need to do anything during AEP.”
✅ TRUTH: Plans update every year, and you could pay more — or lose coverage — if you don’t review.

A quick plan review could mean:
💰 Lower costs
🦷 More benefits
👩‍⚕️ Keeping your preferred doctors

📲 DM “AEP” to get started today!


10/16/2025

Why Review Your Plan?

💡 Medicare plans change every year — do you?
🩺 Doctor networks adjust
💊 Prescription costs shift
💵 Premiums and copays change

Your needs might have changed too — let’s make sure your plan still fits your life.
📲 Contact FFL Insurance Agency today for your annual review.


Medicare Open Enrollment Starts October 15! 💥It’s that time again — your chance to review, compare, and change your Medi...
10/15/2025

Medicare Open Enrollment Starts October 15! 💥
It’s that time again — your chance to review, compare, and change your Medicare plan.

Between October 15 – December 7, you can:
✅ Switch Medicare Advantage plans
✅ Add or drop Part D prescription coverage
✅ Review your plan’s 2026 benefits

Even if you’re happy with your plan, reviewing could save you money and uncover new benefits!

📩 Message “AEP REVIEW” to schedule your free plan check.


10/10/2025

Last Call / Weekend Reminder

🚨 AEP is here — don’t miss your window!
Plans for 2026 are out now, so the sooner you review them, the better your options.

⏰ Don’t wait until December — review now and enjoy your holidays stress-free.

💙 I’ll simplify it all and make sure your coverage is right for you.

📲 Message “AEP” to get started today.


10/08/2025


Address

5857 Owens Avenue, Suite 300
Carlsbad, CA
92008

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17608149978

Website

https://app.thinkagent.com/ext?repid=3406987

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