At AJ & Partners Group, we help individuals, families, and businesses navigate insurance with confidence. Find the right plan at the right price — with expert guidance every step of the way.
Individual & Family ACA plans tailored to your needs and budget.
Navigate Medicare options with expert guidance to maximize your benefits.
Comprehensive medical coverage for individuals and families.
Keep your smile bright and your vision sharp with affordable plans.
Protect your loved ones with life insurance that includes living benefits.
Plan for a secure retirement with annuities and financial strategies.
Employer group health plans that attract and retain top talent.
Professional document services to support your personal and business needs.
"At AJ & Partners Group Insurance, our clients are family. We serve with passion, integrity, and commitment. Our mission is to help you live life with confidence — knowing you are protected and supported every step of the way."
Our insurance professionals help you find the right coverage to protect you, your family, and everything you've worked hard to build.
We conduct every interaction with complete integrity, honesty, and professionalism. No hidden fees, no fine print, no surprises — just open and straightforward communication so you can make confident decisions.
We build lasting relationships by always putting our clients first. Trust isn't something we expect — it's something we earn. We listen, understand, and prioritize your unique needs to find the most effective and affordable solutions.
We strive for the highest standards in every product, service, and interaction. Excellence is not a goal — it's a daily commitment. We continuously seek improvement and innovation to exceed expectations in every area.
Our mission is to be there for our clients when they need us the most. Whether recovering from an unexpected event or navigating complex coverage decisions, we are passionate about protecting what matters most to you.
AJ & Partners Group offers a variety of health insurance plans tailored to your medical needs and financial situation. These plans help protect you from high medical costs while ensuring access to the care you need.
AJ & Partners Group offers Life Insurance with Living Benefits, providing financial security to your beneficiaries and allowing you to access a portion of your benefit while still alive if diagnosed with a qualifying illness.
AJ & Partners Group offers a range of health plans tailored to your needs and budget. We help you balance affordable premiums with manageable out-of-pocket costs, ensuring access to essential healthcare services and long-term peace of mind.
Includes routine visits to your primary doctor and specialist consultations for specific conditions.
Includes services like annual physical exams, vaccines, cholesterol checks, and cancer screenings. Often covered at 100%.
Covers ER visits for life-threatening conditions and urgent care for less severe but immediate medical needs.
Pays for hospital stays, including surgery, overnight care, anesthesia, and related treatments.
Helps cover the cost of medications prescribed by your doctor. May involve a copay or coinsurance per prescription.
Covers diagnostic tests such as blood work, urine tests, X-rays, CT scans, and MRIs.
Includes therapy, counseling, psychiatric evaluations, and addiction recovery programs.
Covers prenatal visits, labor and delivery, and postnatal care for both the mother and newborn.
Provides medical coverage for children including routine checkups, vaccinations, and developmental screenings.
Avoid paying full price for doctor visits, emergency care, and prescriptions.
Stay healthy with screenings, checkups, and vaccinations often covered at 100%.
Choose plans with the right balance of deductible, copay, and premium to fit your lifestyle.
Coverage during unexpected illnesses, accidents, or hospital stays.
Our agents help you select the best plan for your family or business.
The ACA is a federal law that expanded access to health insurance. It created the Health Insurance Marketplace where individuals and families can compare and purchase plans, often with subsidies to reduce costs based on income.
Open Enrollment typically runs from November 1 to January 15. Outside of this period, life events (losing coverage, marriage, new baby) may qualify you for a Special Enrollment Period.
ACA plans must cover 10 essential health benefits including outpatient care, emergency services, hospitalization, maternity care, mental health, prescription drugs, and more.
It depends on the plan. HMO plans require in-network providers. PPO plans offer more flexibility. Our agents can help find a plan that includes your preferred doctors.
Costs vary by age, location, and income. Many qualify for tax credits that reduce monthly costs significantly — some even qualify for $0/month plans. Contact us to find out what you qualify for.
A deductible is the amount you pay before insurance begins to pay. After meeting your deductible, you typically pay only a copay or coinsurance for covered services.
Protect the ones you love with life insurance that goes beyond the basics. Our plans offer Living Benefits — so you can access your coverage when you need it most, even while you're still alive.
Provides a lump sum payment to your beneficiaries if you pass away, helping them cover funeral costs, debts, and daily living needs.
Access your benefit while still alive if diagnosed with: Chronic illness · Critical illness (heart attack, cancer, stroke) · Terminal illness.
Funds may be used for: Medical treatments · In-home care · Home modifications · Family support.
Benefits become available immediately after meeting eligibility requirements and claim approval.
If the insured dies by suicide within the first two years, the insurer may not pay the death benefit.
Deaths from hazardous activities such as skydiving, scuba diving, or private aviation may be excluded.
Some policies exclude coverage for deaths caused by acts of war or terrorism.
If a health condition was not disclosed during the application, the insurer may deny the claim.
Provides a tax-free lump-sum payment to help with funeral expenses, debts, and ongoing living costs.
Access part of your benefits while still alive if diagnosed with a chronic, critical, or terminal illness.
Use for: Medical bills · In-home care · Home modifications · Daily living expenses · Family support.
Benefits are available immediately after qualifying, with no long delays.
Knowing you're protected during life and after death gives your family peace of mind.
Plans can be tailored to meet your individual financial goals and family needs.
Life insurance is a contract where, in exchange for premiums, the insurer provides a death benefit to your beneficiaries. Modern policies also include Living Benefits accessible during your lifetime.
Anyone with financial dependents, debts, or who wants to leave a legacy. This includes parents, spouses, and business owners.
Term life covers a specific period and is more affordable. Whole life covers your entire lifetime and builds cash value. Our agents will help determine which is best for you.
A common guideline is 10-12x your annual income, but the right amount depends on your debts, family size, and goals. Our agents will do a full needs analysis for you.
Complete the form below — a licensed consultant will contact you within 24 hours with your personalized options.
We are a Miami-based insurance and business consulting agency committed to protecting families and businesses with integrity, passion, and expertise.
AJ & Partners Group Insurance and Business Consulting was founded on a simple but powerful belief: every person and every family deserves access to quality insurance coverage — explained clearly, priced fairly, and chosen with care.
Based in Miami, Florida, we serve clients across all 50 states in both English and Spanish. Our bilingual team specializes in ACA plans, Medicare, life insurance, and full financial protection services.
"Our mission is to be there for our clients when they need us most. Whether it's helping you recover from an unexpected event or guiding you through complex coverage decisions, we are passionate about protecting what matters most."
We believe our clients deserve clear, honest information. No hidden fees, no fine print — just straightforward communication at every step.
Trust is earned, not expected. We work diligently to find the most effective solutions and ensure every client receives personalized, dependable support.
Excellence is not a goal — it's a daily commitment. We continuously seek improvement and innovation to exceed expectations.
We proudly serve Miami's diverse community, making quality insurance accessible to everyone regardless of background or language.
Retirement planning, annuities, and financial strategies to help you build a secure future.
We help you plan beyond insurance — building the financial foundation for a comfortable, worry-free retirement.
Annuities provide a guaranteed stream of income during retirement. We help you choose the right type to match your goals.
Whether just starting or approaching retirement, our consultants build personalized strategies to achieve your financial goals.
Permanent life insurance builds cash value over time — a powerful financial tool you can access for retirement income.
Protect your ability to earn. Plan for the unexpected so an illness or injury doesn't derail your financial future.
Our consultants offer a comprehensive financial review to identify gaps and opportunities in your financial plan.
Whether retiring early, funding education, or leaving a legacy — we create a roadmap for your specific financial objectives.
Visit our Miami office or reach us by phone or email. We serve clients across all 50 states.
782 NW 42nd Ave Suite 347
Miami, FL 33126
Monday – Friday: 9:00 AM – 6:00 PM ET
Saturday: By Appointment
Join a growing team of licensed insurance professionals making a real difference in people's lives.
Join a team that's transforming lives — starting with yours. We're looking for driven, passionate individuals ready to grow professionally and make a real difference.
Work with flexibility. Whether part-time or full-time, you set your schedule.
Unlimited earning potential. Your income is based on your effort, not a fixed salary.
Be part of something bigger. Join a trusted brand with a growing national presence.
Training & support provided. We invest in your growth with mentorship and resources.
Fill out the form to apply today. Your future starts now — with AJ & Partners Group.
Apply to become an agent today
Thank you for your interest. Our team will be in touch within 48 hours.