We are a full service insurance consulting firm.

Family owned independent insurance agency for over 35 years.

Welcome To Financial Life Cycles Online

We are betting our future on education young-4couple

Problem: We simply cannot financially support the way health care costs/utilization is going up. It is crippling business profitability and raising havoc with family budgets at a rate that can no longer be sustained.

Solution: Financial Life Cycles (FLC), a leading Employee Benefits Consultant can assist you in finding the right health care solutions customized to fit your unique needs.

At FLC, we put your plans into action by designing and implementing education strategies that assist you in being proactive, take control and re-stabilize your profitability and employee confidence. FLC offers a number of unique value points:

  • Empowerment and education of your employees
  • Wellness programs and initiatives custom tailored to each client
  • Education resources, including the ability to communicate with employees
  • Honest and integrity dictate our every action
  • Transparency rules in all business dealings
  • We are extremely involved in health care legislative issues

Monthly Hot Topic: September

ALZHEIMER’S DISEASE Alzheimer’s disease is often difficult to distinguish because the early signs closely resemble natural signs of aging. What is Alzheimer’s Disease? Alzheimer’s is a disease of the brain gradually destroying the ability to remember, reason, imagine...

Monthly Hot Topic: August

PSORIASIS Psoriasis affects about 7.5 million people in the United States, according to the National Psoriasis Foundation. The disease occurs equally in men and women, and people typically have their first outbreak between the ages of 15 and 25. Psoriasis most often...

Monthly Hot Topic: July

SWIMMING SAFETY Drowning is the fifth leading cause of unintentional injury-related death in the United States. Knowing how to swim and following these safety tips will help keep you and your children safe. Explain swimming safety to children when young, and reinforce...

Monthly Hot Topic: June

June is Men's Health Month Tips for a Healthy Lifestyle The leading cause of death for males in the United States is heart disease—followed closely by cancer. Adhering to a healthy lifestyle can help you avoid becoming part of a statistic. Watch What You Eat What you...

Monthly Hot Topic: May

Food Allergy Action Month A food allergy occurs when the body has a specific immune response to certain foods. Sometimes, the body’s response can be severe or life-threatening. Food allergies are a growing food safety and public health concern, according to the U.S....

Monthly Hot Topic: April

National Autism Awareness Month Autism spectrum disorders (ASDs) refer to a group of developmental disabilities that vary in severity and affect socialization, communication and other behaviors in those that have them. Researchers are still currently searching for...

Monthly Hot Topic: March

Workplace Eye Wellness Month The workplace can present a variety of dangers to one’s eyes. Eye injuries can be caused by flying objects in the air, chemical splashes, tools and particles. The good news is that approximately 90 percent of all work-related eye injuries...