Flora Insurance Agency

Committed to our family... and yours!

Section 125 (Cafeteria Plans), Group Health Insurance, Dental, Vision,

 Life and Disability

To contact us:

Phone: 423-499-2962

Fax: 423-899-0058

E-mail: floraagency@comcast.net

Mike Flora is teamed with Employee Benefit Specialists, which has been an industry leader for over 25 years in the areas of Voluntary Employee Benefits and Employer Sponsored Benefits.  Below is a brief outline of some of the products we can implement for you:

Protects employees paychecks if they are out of work due to an Accident (on or off the job) or a sickness.  1st day coverage for Accident, employee chooses waiting period for sickness.


Tax free benefits paid to employee for treatment of cancer.  Over 25 benefits included such as $24,000 per year for radiation and chemotherapy, $100 wellness benefit, blood, plasma and blood platelets, hospital, home health and much more.  Family coverage also available.


Low cost 20 and 30 year term or whole life available for employee and /or family.  No exam required up to $250,000 in coverage!


Choose any dentist you want.  100% coverage for preventative including 2 cleanings per year.   80% coverage for basic and 50% for major care after $50 calendar year deductible.


Large provider network.  Covers exams, glasses and contact lenses.


Covers employee and /or family for accidents on or off the job.  Pays monthly income to employee.


Pays up to $50,000 lump sum benefit for cancer or heart attack.  Heart surgeries also covered.



Individual Retirement Accounts funded with fixed or indexed annuities.



Short Term Disability:




Cancer Plan:





Life Insurance:



Dental Plan:




Vision Plan:


Accident Plan:



Lump Sum Heart and Cancer Plans:



Retirement Plans:


Voluntary Employee Benefits

Employer Sponsored Benefits

For additional information you can also view website of Employee Benefit Specialists