About Us

Terri Kamen

Terri has been in business since 1989 serving the insurance needs of so many around the country including Texas, California, Florida, North Carolina, South Carolina, Tennessee, New Jersey, Connecticut, Virginia, Maryland.  She's always been very successful because she considers her clients’ interests and needs as top priority.

She's been involved in community work and has served on the Boards of several local organizations including past Chairman of the Board and President of the Miami-Dade Women’s Chamber of Commerce; on the Board of the Women's Chamber of Commerce of Broward County and several organizations in Palm Beach County.

Terri's specialty is in the under-65 age range looking for a better option for their health insurance and dental insurance needs. She prides herself on being an expert in this profession and looks forward to continuing to serve the needs of individuals, families and small businesses all across the country.

Terri has been named a Premier Producer for CIGNA. This provides access to Concierge Services including a personal underwriter and claims adjuster for her clients.   

Michael Schulner

Michael is Terri's husband and partner in business. Michael is a Florida native. Having grown up in South Florida he graduated from University of Miami in 1968. His early business activities after college began at Dade Savings & Loan Association with his last position as VP Mortgage Servicing. After the savings and loan bust in the late 1980’s he entered the private sector opening his retail store “Clutterbusters” modeled after The Container Store of Dallas, TX.

In 1994 after relocating out of Miami Dade County into Broward County, Michael continued his financial career becoming an insurance agent with The Prudential Insurance Company. After four years with Prudential he expanded his insurance business by becoming an independent agent so he could represent the broader spectrum of carriers and provide a wider range of options for his clients' individual needs.

Michael has a special talent for matching the right carriers and products for his clients looking for either Life Insurance, Disability Insurance, Long Term Care Insurance and the senior market looking for Medicare and/or Medicare Supplement products.

We are members of the local, state and national associations of Life and Health Underwriters and pride ourselves on being experts in all areas of insurance law, ethics and appropriate business practices.