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: December

Safe Toys and Celebrations Month You should always consider the age of whomever you are giving a present. For instance, you should avoid toys with small parts when buying for a toddler, and ensure the subject matter of the gift is age-appropriate. However, some toys...

Monthly Hot Topic: November

COPD Awareness Month Chronic obstructive pulmonary disease (COPD) is a lung disease that worsens over time, but is often preventable and treatable. COPD causes shortness of breath by damaging the lungs and can affect every physical aspect of life, including simple...

Monthly Hot Topic: October

Health Literacy Month Low health literacy is estimated to cost the United States between $106 billion and $238 billion annually. This cost comes from things like consumers not knowing which health care options are best for them, overspending on procedures and...