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Employee Benefits

DeMoss Financial, Inc. is a full service employee benefits firm with all the offerings of a large firm and the benefits of local customer service.

Our Employee Benefits division works closely with our clients to create the best benefits package possible in the most cost effective way for the employer. We offer health, life, dental, vision, long-term care and supplemental policies, such as cancer, accident and hospitalization as well as employer sponsored retirement plans and prepaid legal.

With the passage of the Affordable Care Act, compliance is now an employers biggest concern.  We have multiple solutions for HR and ACA Compliance: that we will review with you to find the one that is the right fit for your specific need!

And your employees will have an advocate as well.  Should they need assistance with network providers or claims review, we are here to help them get the most of their benefits.


We are an independent insurance brokerage and are licensed and appointed with all the carriers, PEO's and HR Management programs in Monroe County and throughout the state of Florida. After a thorough analysis of your needs and budget, we will recommend a group of products to best suit your needs. Several of our solutions are available through one of our partners, BASIC. These include:

Employee Benefit Plans:

  • Medical
  • Dental & Vision
  • Retirement
  • Disability/Life
  • Supplemental/Accident/Cancer/Critical Illness
  • Pre-paid Legal
  • Identity Theft

Executive Benefit Plan Design:

  • Key Man Life Insurance
  • Buy/Sell Insurance