About Incompas



Our founder Cliff Eserman, started his first insurance agency, Eserman & Associates Inc, in 2003. That agency focused on selling primarily health insurance to individuals and smaller businesses with under 50 employees that were located in the South Florida market. Incompas Financial was created to provide small businesses and individuals, access to the same level of health, dental, vision, life and travel insurance products and services that “big businesses” enjoy.


Insurances where you will find the expertise of Incompas beneficial include:

  • Initial Enrollment or Re-Evaluations of Current Coverage With
    • Medicare Supplement Insurance
    • Medicare Advantage Insurance
    • Medicare Part D Insurance
  • Term & Permanent Life Insurance
  • Guarantee Issue with Modified Issued Life Insurance
  • Individual PPO, DHMO, Dental and Vision Programs
  • Employee Benefits for Companies with 100 employees or fewer
  • Disability with Group & Individuals Insurance
  • International health and repatriation insurance

Our company, its systems, and team of independent brokers are designed to work best with individuals and companies having 100 or fewer employees.  Incompas brokers are mobile, using the latest paperless technology to access a variety of insurance companies for quotes, online applications with e-signatures, and expedited underwriting & issuance. We then work with the client to evaluate the variety of options and costs to help identify and secure the best insurance coverage for their budget and needs.

INCOMPAS Insurance