I develop competitive insurance solutions for Commercial Businesses as well as Individuals and their Families.  I was born in Philadelphia PA and attended Cheltenham High School in Cheltenham PA.  Then I went on to Penn State University.

I have advised clients and marketed Insurance products since 1997 in the State of Florida:

  • Health Insurance – Group or Individual
  • Short Term Life Insurance
  • Term Insurance with Living Benefits
  • Permanent – Index Universal Life

Health and Life Insurance are priority needs for “everyone” today.

Remember the need for insurance protection is becoming crucial due to today’s increasingly rising medical costs. Don’t you agree that costs are getting out of hand ?

As The Insurance Advisor my job is to make sure you and your family have the best Insurance coverage available to combat life’s unexpected twists and turns. Because life happens to all of us.​

The Insurance companies have created many different types of policies to serve your family’s needs. It is my job to help you select the ones that fit your budget and provide maximum financial protection. ​

No one policy does it all. The Insurance Advisor will fill the gaps in your life insurance policy by providing an affordable instrument to furnish a major source of cash if you ever have a qualifying medical event.


Howard Sernaker

Insurance Advisor

Want a retirement plan that is tax free and provides income for life ?

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