SCC insurance group

SCC insurance group Helping individuals, families, business owners & federal employees protect what they've built while planning for the future.

Specializing in retirement planning, investments, insurance, and wealth preservation through personalized financial strategies.

08/28/2026

Retiring soon? Your FEGLI doesn't just carry over the way you'd expect.

There's a 5-year coverage rule that determines whether you can keep it at all, three different paths your Basic coverage can take at 65, and a quiet detail in Option B/C that surprises a lot of retirees after the fact.

We break it all down in under 90 seconds. If you're within a few years of retiring, it's worth watching before you fill out any paperwork.

Questions about your own coverage? Call or text us at (754) 283-0023 — happy to walk through it.

08/26/2026

If you're retiring at or near 65, this is worth two minutes of your time.

Active federal employees get a special grace period that lets them delay Medicare Part B without penalty. Once you're retired, that grace period generally doesn't apply to you anymore — and if you miss your own enrollment window, the penalty is permanent, added to your premium for as long as you have Part B.

We cover the 5-year FEHB rule, the difference between active and retired timing, and what to decide before your retirement date — not after. Call or text (754) 283-0023 if you want help thinking through your specific timeline.

08/26/2026

FEGLI and private term insurance protect the same risk — but they work differently.

FEGLI is convenient and generally doesn’t require medical underwriting. But Option B premiums increase in five-year age bands and can become expensive later. Private term coverage is medically underwritten, but qualified applicants may lock in a rate for the selected term.

For many federal employees, the right answer isn’t automatically one or the other — it may be the right mix.

DM “FEGLI” for a complimentary federal-benefits review.

08/24/2026

"I'm young and healthy, so this doesn't really apply to me." Is that a fact, or a feeling?

According to the Social Security Administration, roughly 1 in 4 of today's 20-year-olds will experience a disability before reaching retirement age.

Most disabilities aren't dramatic, sudden-onset events. They're back injuries, cancer treatment, autoimmune conditions, and mental health conditions that build gradually.

None of that shows up on a highlight reel of things that happen to other people — which is exactly why it's easy to underestimate.

https://sccinsurancegroup.com/individual-disability-insurance-south-florida/

08/21/2026

If you were out of work for six months starting tomorrow, how much of your paycheck would still show up?

Most employer-provided disability plans replace somewhere around 60% of base pay. And that 60% is usually calculated before bonuses, differentials, or overtime — which typically aren't counted at all.

None of that makes employer coverage bad. It's often just a starting point, not a complete plan.

https://sccinsurancegroup.com/individual-disability-insurance-south-florida/

08/18/2026

Federal retirement gets described as a three-legged stool: your FERS pension, Social Security, and your TSP.
In practice, most federal employees know one leg well, have a rough idea of the second, and guess at the third.
A short leg still stands. It's just less stable than it looks.
https://sccinsurancegroup.com/retirement-readiness-review/

08/17/2026

Most people think they know what disability insurance is. Most people are describing something else.

It replaces part of your income when a covered illness or injury stops you from working.

It is not health insurance. Not unemployment. Not workers' comp.

That last one causes the most confusion — workers' comp covers work-related injury, and illness doesn't wait for the workday.

Know what covers what: https://sccinsurancegroup.com/individual-disability-insurance-south-florida/

07/01/2026

Structured notes explained in simple terms.

Different investors have different goals. Some focus on growth opportunities, others look for income opportunities, and others want to understand different ways to manage risk within a broader financial plan.

That’s why structured notes can come in different forms, each with its own features, risks, and terms.

Educational purposes only. Not investment advice or an offer to buy or sell securities.

Questions? Message SCC Insurance Group or call 754-283-0023.

06/09/2026

Is your retirement strategy built to last?

When it comes to retirement planning, it’s important to understand more than just the projected numbers.

In this video, I break down:
📈 Participation Rates
📊 Cap Rates
📋 ART (Annual Renewable Term)
💰 Policy Costs

Before making any financial decision, make sure you understand the assumptions behind the illustration.

Questions about retirement planning? Let’s talk.

📞 954-856-0360
📧 [email protected]

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Pompano Beach, FL
33062

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+17543062687

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