Independent Protection Planning for
Florida Business Owners, Professionals & Families

Make smarter protection decisions before you ever need to use them. HIG Planning helps you understand where you are protected, where you may be exposed, and what, if anything, is worth doing about it. Independent guidance. Plain-English explanations. No pressure.

Choose how you'd like to get started
Schedule a 20-Minute ConversationWhether you have coverage to review or are starting from zero, we'll figure out where you stand and what makes sense.
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Get a Second Opinion on Your CoverageFind out what your current policies may be missing
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Explore Our ProductsLife, disability, long-term care, business & executive planning
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No pressure.
No obligation.
We review policies we didn't sell you.
Dan Hoffman
HIG
Dan Hoffman
Founder & Independent Advisor

Former business owner and political strategist. Founded HIG in 2018 to give South Florida families and business owners the strategic protection planning they can't get from a typical broker.

Independent Carrier Access Business Specialist Founded 2018
16+Yrs Experience
2018Founded
FreeConsult
Fort LauderdaleBroward Miami-DadePalm BeachFlorida Keys
Business & Professional PlanningMulti-layered protection planning beyond basic personal lines
Independent Carrier AccessWe compare multiple carriers and recommend based on fit, not one company's product shelf
Free Policy ReviewWe'll review coverage you didn't buy from us
Long-Term Advisory RelationshipAnnual reviews as your life and business evolve
⏱ Coverage costs more as you age, premiums are lowest when you are young and healthy
Health changes affect eligibility, most policies require medical underwriting
Most gaps go unnoticed, a review often surfaces exposures people didn't know existed
Business Protection Planning
Buy-sell agreements, key person coverage, and succession strategies that keep businesses intact no matter what happens.
High-Income Professional Planning
Own-occupation disability, executive benefits, and estate strategies for lawyers, physicians, and executives.
Comprehensive Family Protection
Life, disability, long-term care, and health strategies structured for your specific life stage and income profile.
Dan Hoffman and family
HIG
Dan Hoffman
Founder · Fort Lauderdale, FL
Why Dan Hoffman

Dan's Background in Business and Campaigns Shapes How He Approaches Protection Planning.

"Most advisors have only ever sold insurance. I came through business ownership and running campaigns. That changes how I look at risk." — Dan Hoffman, Founder

Dan built a commercial coffee company from the ground up, navigating real operational risk, cash flow exposure, and the decisions every business owner faces. He then managed political campaigns in Florida, where the job is identifying every weak point before it becomes a problem.

He founded Hoffman Insurance Group in 2018 after seeing how many families and business owners were exposed in ways they had not fully considered. That is the gap he built this firm to address.

Business Ownership Background
He has sat where you sit. He understands operational risk and key-person dependency from direct experience, not just policy language.
Strategic Risk Assessment
Running campaigns means finding every weak point before it costs you. Dan applies the same approach to protection planning.
What This Means for You
Dan's job is to identify where you may be exposed, explain your options clearly, and help you make a confident decision without pressure.
Our Products

Coverage for Every Stage of Life and Business

We work with multiple carriers across personal and business lines, comparing options independently to find the right fit for your situation.

Life Insurance Disability Income Long-Term Care Health Insurance Business Protection Executive Benefits
Life Insurance

Life insurance is the financial foundation your family depends on, income replacement, debt coverage, and legacy planning. The right policy depends on your income, family structure, tax situation, and long-term goals.

Who This Is For
Parents with dependents Homeowners with a mortgage Business owners High-income earners Estate planning clients
Problems We Solve
Employer group life coverage ends when your job does, which can leave a gap at exactly the wrong time
Most people buy too little or the wrong type. We help right-size coverage for your actual income, family structure, and goals
Some permanent life structures build tax-advantaged wealth, few advisors explain when that actually makes sense
Talk Through Your Options → Schedule a Conversation
Types We Offer
Term Life Insurance
Whole Life Insurance
Universal Life Insurance
Indexed Universal Life (IUL)
Disability Income Insurance

Disability is three times more likely than death during working years, yet most professionals are significantly underinsured. Your income is your most valuable financial asset. We help protect it.

Who This Is For
Physicians & surgeons Attorneys High-income professionals Self-employed business owners Anyone whose income funds their lifestyle
Problems We Solve
Group disability plans cap at 60% of salary and typically exclude bonuses, leaving high earners severely underprotected
Employer plans disappear when you change jobs or go independent, we build portable coverage you keep regardless
Most policies use "any occupation" definitions, we secure own-occupation coverage that pays if you can't do your specific job
Talk Through Your Options → Schedule a Conversation
Types We Offer
Individual Disability Income (IDI)
Short-Term Disability
Long-Term Disability
Business Overhead Expense (BOE)
Long-Term Care Insurance

Long-term care in Florida can exceed $90,000 per year. Without a plan, this cost falls directly on retirement savings or your family. We build LTC strategies that preserve your assets, protect your independence, and remove the burden from your children.

Who This Is For
Adults in their 50s planning ahead Retirees with assets to protect Anyone with aging parents (seeing it firsthand) High-net-worth families protecting legacy
Problems We Solve
Medicare covers almost nothing for long-term care, most people don't discover this until they're already in a facility
Waiting to apply until health declines can disqualify you entirely, optimal coverage requires early planning
Hybrid life/LTC policies offer premium return guarantees, a compelling alternative to traditional LTC for those worried about "losing" premiums
Talk Through Your Options → Schedule a Conversation
Types We Offer
Traditional Long-Term Care Insurance
Hybrid Life/LTC Policies
Annuity-Based LTC Plans
Health Insurance

Our health insurance work centers on business owners: group health and benefits for your team, and coverage strategies for you as the owner. We help you build a benefits structure that works for both the business and the people in it.

Who This Is For
Self-employed & freelancers Small business owners Early retirees (pre-Medicare) Employees wanting supplemental coverage
Problems We Solve
The marketplace has dozens of plans, most people default to the cheapest and discover its gaps at the worst moment
Group health for small businesses has become expensive and complex, we find efficient structures that work for both owner and employees
Discuss Group Benefits for Your Business → Schedule a Conversation
Types We Offer
Individual & Family Health Plans
Group Health for Small Business
Short-Term Health Plans
Business Protection Insurance

Most businesses have no formal plan for what happens if an owner dies, becomes disabled, or needs to exit. A business that took years to build can unravel quickly without the right structure in place. HIG helps business owners address that before it becomes a problem.

Who This Is For
Small business owners Business partners Owners with key employees Businesses planning for succession
Problems We Solve
No buy-sell agreement means a deceased partner's heirs, not the surviving partners, control ownership decisions
Key employees whose departure would devastate operations are usually unprotected, and unaware of their value to the business
Business owners often have no income protection if they can't work, personal disability rarely covers business obligations
Talk Through Your Options → Schedule a Conversation
Products We Use
Buy-Sell Agreement Funding
Key Person Insurance
Business Overhead Expense (BOE)
Split-Dollar Life Insurance
Executive Benefits & Compensation

High-income professionals and executives face a different set of financial planning challenges, income concentration risk, tax efficiency, deferred compensation, and estate transfer. We build layered strategies that address all of them.

Who This Is For
C-suite executives Physicians & surgeons Attorneys & partners High-earning professionals Business owners wanting to reward key staff
Problems We Solve
High earners are disproportionately exposed to disability income risk, standard plans cap out well below actual income
Qualified retirement plans have contribution limits, supplemental structures allow executives to save more in tax-advantaged ways
Retaining and rewarding key executives requires competitive benefit structures, we design plans that create real golden handcuffs
Schedule an Executive Planning Call → Schedule a Conversation
Strategies We Use
Executive Bonus / Section 162 Plans
Nonqualified Deferred Compensation (NQDC)
Supplemental Executive Retirement Plans (SERP)
Estate & Legacy Planning
What We Solve

The Protection Gaps Worth Reviewing
Before Life Changes

Most people do not discover a coverage gap until they need to use their policy. These are the situations worth reviewing before that happens.

"What happens to my family financially if I die?"

Most life insurance is reactive, under-sized, or tied to an employer plan that ends when jobs change. We build portable income-replacement strategies designed for your actual tax situation and family structure.

Life Insurance Planning
"What if I can't work for six months, or two years?"

Disability is three times more likely than death during working years, yet most professionals are severely underinsured. Group plans are inadequate for high earners and disappear when you change employers.

Disability Income Protection
"Who pays for my care when I can't care for myself?"

Long-term care in Florida can exceed $90,000 per year. Without a plan, this burden falls on retirement savings or your family. We build LTC strategies that protect assets and preserve independence.

Long-Term Care Planning
"If something happens to me, what happens to my business?"

Most small businesses have no buy-sell agreement, no key person protection, and no succession plan. When an owner dies or becomes disabled, even a financially strong business can unravel without the right structure in place.

Business Protection Planning
"Do I actually know what my existing policies cover, and what they don't?"

Most people have never had an independent expert review their coverage. Policies have exclusions, caps, and outdated beneficiary designations that make them far less valuable than assumed. Our free policy review often finds gaps no one knew existed.

Free Policy Review
How We Work

A Strategic Process Built
to Deliver Real Outcomes

Most insurance interactions end at the sale. Our process is built around understanding your situation first, explaining your options clearly, and staying involved as your life and business change.

Our Role
Strategic Advisor,
Not Product Seller
We identify where you may be exposed and explain your options clearly before recommending anything.
Our Obligation
To You,
Not Any Carrier
As an independent broker, our only interest is finding what genuinely protects you best.
Our Commitment
Long-Term
Alignment
We review your coverage as your life and business evolve. We make sure coverage does not fall behind.
01
Exposure Discovery

We map your complete financial exposure before recommending anything. Where are the gaps? What happens in each scenario?

Complete picture of your risk
02
Transparent Education

Every option explained with honest pros, cons, costs, and trade-offs. You'll understand what you're choosing and why.

Decisions you fully understand
03
Independent Market Search

We compare across multiple top-rated carriers with no conflicts of interest. Only what fits your situation best.

Clear comparison of your best options
04
Ongoing Alignment

Annual reviews, life events, business changes, we update your strategy so coverage never falls behind your life.

Coverage that grows with you
No carrier quotas or incentive trips
We have no financial incentive to recommend one carrier over another, only the obligation to find what genuinely works best.
We review policies we didn't sell you
Bring your existing coverage. We'll give an honest assessment. Even if that means you do not need us.
Specialists in complex situations
Business succession, executive compensation, high-income disability, multi-policy coordination, well beyond basic term life.
Who We Help

Three Client Profiles Where
Our Approach Delivers Most

These are the situations where HIG's specialized expertise creates the greatest impact for clients.

Individuals & Families
Protecting What Your Income Provides

Families where one or both incomes are critical to maintaining lifestyle, home, and children's future.

  • Life Insurance (Term, Whole, Universal, IUL)
  • Disability Income Protection
  • Long-Term Care Insurance
  • Individual & Group Health Insurance
Professionals & Executives
Protecting a Career That Took Decades to Build

Lawyers, physicians, and executives whose earning power is their most valuable, and most under-protected, asset.

  • Own-Occupation Disability Insurance
  • Executive Bonus & Section 162 Plans
  • Deferred Compensation Planning
  • Estate & Legacy Planning
Business Owners
Protecting the Business You've Built

Entrepreneurs who need their company to survive and transfer, regardless of what happens to any individual.

  • Buy-Sell Agreements & Business Succession
  • Key Employee Insurance
  • Split-Dollar & Corporate Benefits
  • Nonqualified Deferred Compensation Plans
For CPAs, Attorneys & Advisors

When You Refer a Client to HIG, They Won't Be Hard-Pitched.

We educate, clarify the exposure, and help the client understand their options. If there is nothing to do, we say that. Our job is to make you look good for making the introduction.

HIG works regularly with CPAs, estate attorneys, financial advisors, mortgage professionals, and other client-facing professionals. We treat every referral with the same care we would want from a trusted colleague.

Start a Referral Conversation →
Estate & Business Attorneys
Buy-sell funding, key person protection, and life insurance for estate planning
CPAs & Tax Advisors
Tax-advantaged structures, executive benefits, and business owner income protection
Financial Advisors
Insurance and risk management that complements investment and retirement planning
Mortgage & Real Estate
Life and disability coverage for clients in major financial transitions
Client & Colleague Recommendations

What People Say About Working With Dan

★★★★★

"Dan is the man! I feel secure with my family's financial future knowing Dan is in my corner."

DC
Daniel Courtney
Attorney · Daniel W. Courtney, P.A. · Client
★★★★★

"Working with Dan transformed what I expected to be a dreadful experience into a rather pleasant one. Dan made sure to educate me on matters unfamiliar to me and patiently answered all my questions. I was very impressed with his professionalism, punctuality, and expertise."

HL
Hofit Lottenberg
Attorney · Lottenberg Law, P.A. · Client
★★★★★

"Once I had my children, I called Dan to buy an insurance policy because I knew I could trust him to put me into the right policy for myself and my family. Dan truly cares about his clients and takes the time to make sure they are both well informed and going down the appropriate financial path."

DF
David Fingerer
Founder · Maven Marketing · Client
★★★★★

"What sets Dan apart from everyone else is his genuine concern to help others. Dan enjoys what he does because he likes to help people make the right decisions. Trust is paramount in his business, and I trust Dan."

GS
Gabe Seghi
Senior Vice President · Highland Commercial Mortgage · Client
★★★★★

"Dan loves the work that he does and it shows! His ability to transmit his knowledge helped me tremendously understand the intricacies of the insurance market, and his unique insights resulted in minimized premiums and maximized benefits."

JT
Jared Tuchinsky
CEO · Petaldriven.com · Client
★★★★★

"I have known Dan Hoffman for more than twenty years. He has always been a man of integrity and intelligence. For the last five years, Dan has been assisting individuals, families, and businesses in maintaining and protecting their assets. It is my pleasure to recommend working with Dan."

HC
Dr. Howard Chusid
Psychologist · Former CEO, Community Medical Plan · Colleague, 20+ years
Recommendations sourced from LinkedIn · Leave a Google Review →

Client feedback helps families and business owners understand what it is like to work with HIG. If we have helped you, we would be grateful for a review. Leave a Google Review →

Resources & Insights

Answers to the Questions
South Floridians Are Searching For

Plain-English guides on the insurance and planning topics that matter most to families, professionals, and business owners in South Florida.

Wealth Strategy
Why Sophisticated Investors Are Moving a Portion of Their Bond Portfolio Into Whole Life Insurance
In 2022, bond indexes fell 13% while whole life cash value kept growing. Here's the case for moving a portion of your fixed income allocation into whole life insurance.
May 2026Read more →
Disability Insurance
Your Employer's Disability Insurance Isn't Enough. Here's What Most South Florida Professionals Don't Know.
Most professionals think their group plan covers them. It doesn't. Here's what the fine print actually says and what to do about it.
May 2026Read more →
Long-Term Care
How Much Does Long-Term Care Cost in Florida in 2026? A South Florida Planning Guide
Nursing homes average $10,000+ per month. Medicare covers almost nothing. Here are the real 2026 numbers, what Medicaid covers, and how to build a plan.
May 2026Read more →
Wealth Strategy
Why Even Wealthy Families Struggle to Self-Insure Long-Term Care
Self-insuring sounds simple when the assets are there. The math, the timing, and the family dynamics say otherwise. Here is an honest analysis.
June 2026Read more →
Long-Term Care
Congress Is Working on Federal Long-Term Care Insurance. Don't Wait to Find Out If It Covers You.
The WISH Act would help millions. It would also leave a gap large enough to wipe out a lifetime of savings. What it covers, and what it deliberately does not.
July 2026Read more →
Retirement Income
Why Two Retirees With the Same Average Return Can End Up in Totally Different Places
Same savings, same average return, completely different outcomes. Run the interactive calculator with your own numbers and see sequence risk for yourself.
July 2026Read more →
More articles on life insurance, business planning, and financial protection are on the way. Have a topic you want covered? Let us know.
Suggest a Topic →
South Florida Focus

Your South Florida Advisor.
Fort Lauderdale to the Keys.

Based in Fort Lauderdale, we understand the specific financial landscape of South Florida, healthcare costs, real estate exposure, retirement concerns, and the particular situations in the Keys and Southwest Florida.

HIG Planning serves clients across South Florida, including Fort Lauderdale, Hollywood, Broward County, Miami-Dade, Palm Beach, and the Florida Keys, including Key Largo, Islamorada, and Marathon.

Markets We Serve
Fort Lauderdale
Hollywood
Miami & Miami-Dade
Broward County
West Palm Beach
Palm Beach County
Florida Keys
Key Largo
Islamorada & Marathon
Naples & SWFL
Satellite Office
Monroe County / Florida Keys
81641 Overseas Hwy, Islamorada, FL 33036
Get Started

Know What You Have. Know What You're Missing. Know What's Worth Doing.

Tell us a bit about your situation and Dan will personally follow up, usually within one business day. No sales pitch. No pressure. Just an honest conversation about whether we can help.

Our Promise to You
No obligation, ever
No pressure to buy anything
We'll review policies we didn't sell you
Honest answers, even if that means you don't need us
Personal follow-up from Dan, not a call center
Or reach Dan directly
(786) 385-4940 dan@higplanning.com
Schedule a Conversation
In a 20-minute conversation, we'll cover where you stand, whether anything is missing, and what, if anything, is worth doing. You don't need to know what you need. That's the point of the conversation.

By submitting, you agree Dan may contact you to follow up. No spam, no sharing your information.