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:
• ACA HealthCare for Individual Health with Subsidy Guidance
• ACA Health Care for  applicants under age 30, with ACA Qualified Catastrophic Insurance
• ACA SHOP (Group) Health Insurance for Small Businesses
• Term & Permanent Life Insurance
• Guarantee Issue with Modified Issued Life Insurance
• PPO, DHMO, and Discounted Dental Programs
• Vision Insurance
• Disability with Group & Individuals Insurance
• Fixed and Immediate Annuities

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.