INDEPENDENT INSURANCE AGENCY · LAKE WORTH BEACH · SINCE 2007

Florida's Independent Insurance Agency, Built to Shop the Market For You

Auto, Home & Business Insurance Made Easy...

Stop Guessing. Get Real Insurance Options Fast.

No robots, no hold music, no being transferred three times. Just a real agent who actually cares… and zero pressure.

WHAT ONE CALL COVERS

🚗 Auto Insurance

→

🏠 Homeowners Insurance

One call covers all four. (561) 586-4955

A & J Insurance Services has been protecting Florida families and businesses since 2007. Independent, Lake Worth-based, and on your side… Not the insurance company’s.

You're Probably Paying Too Much. You Just Haven't Had Anyone Prove It Yet

Your rate went up. Again. Nobody called to explain why.

Nobody offered to shop around for you. The renewal just showed up… Higher than last year and you’re expected to just pay it.

You submitted a form online. Now your phone won't stop.

Comparison websites sell your information the moment you hit submit. Suddenly you’re a lead — not a person. And every agent calling you has the same pitch.

When something went wrong, nobody showed up

A claim. A question. An emergency. And the person you needed wasn’t there. Just hold music, a 1-800 number, and a process that felt designed to wear you down.

One call. One agent. We shop every carrier we represent to find you real options... AND the only calls and texts you'll get are from us.

One Agent. Every Carrier We Represent. Real Options.

Most people don't realize there's a better way to shop for insurance. Here's the difference that saves our clients real money.

The Problem With Going Direct

1 carrier

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1 price. Take it or leave it.

When you call Geico, Progressive or State Farm directly — or walk into a captive agent’s office — you get one company’s price. That’s it. If their rate isn’t competitive for your situation, they have nothing else to offer you. They will never tell you that a competitor would have saved you $800 a year. That is not how they make money.

The A & J Difference

Every carrier we represent

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One recommendation. You decide.

We are not tied to any single carrier. When you call us we shop every carrier we work with simultaneously — and we only make money when we find you the right policy at the right price. We have no reason to steer you wrong and every reason to get it right.

We Work For You... Not The Insurance Company

Every carrier we recommend has to earn your business. We present your options and you decide what wins.

We Re-Shop Your Policy Automatically

Every 6 to 12 months we go back to the market on your behalf. If a better rate exists we find it… you don’t have to ask.

Small. Family Owned. We Actually Care.

Roberto and Alfredo have been partners for 25 years. Most of our clients have been with us for years… some over a decade. We know your name before you finish saying it.

90% Of Our Business Comes From Referrals

We don’t spend money on billboards. We spend time on our clients. That’s why the people who know us send everyone they know to us.

This is what it looks like when someone is actually in your corner.

Finding Out Is Easier Than You Think.

No complicated process. No pressure. No obligation.
Just a few simple steps and we do the heavy lifting for you.

STEP 1

Call Us For Free Quote

Tell us the type of insurance you need a quote for. Auto, home, commercial… whatever you need. Our simple step by step process walks you through everything. It takes just a few minutes to complete.

STEP 2

We Go To Work For You

Once you provide your information we check every carrier we work with to find you the right coverage at the right price. We do not reach out until we are confident we have found you the right option. If you submit after hours… No problem. We start working on it first thing when we open.

STEP 3

You Pick What Works Best For You

We present your options clearly and honestly. No pressure, no pitch. If we found you a better rate… great. If not, we will tell you that too. Either way you walk away knowing exactly where you stand.

✓ NO RISK

Either Way, You Are Covered Going Forward

Even if we cannot beat your current rate today, we will automatically re-check the market for you in 6 to 12 months… Free of charge. No reminders needed. No calls asking you to switch. Just us doing our job. If a better rate becomes available we will reach out by call, text or email… whatever works best for you.

Nothing to lose. Potentially a lot to save.

Do Not Take Our Word For It.

Real people. Real savings. See what Floridians
are saying about A & J Insurance Services.

We Decided To Do Insurance Differently.

We started A & J Insurance Services because we saw an industry putting commissions ahead of clients... And decided there was a better way to do it.

Alfredo and I have been working together for over 25 years. Long before insurance… we worked in another business together, learned what it means to serve people honestly, and discovered firsthand how quickly things can change when the unexpected hits.

That experience changed how we see this work. Insurance is not a transaction to me. It is the thing standing between your family and a really bad day. We take that seriously.

I still answer the phone myself. Alfredo keeps everything running behind the scenes so that when you call… Someone who actually knows you and your file is always ready to help.

Most of our clients have been with us for years… Some for over a decade. We typically know your name before you finish saying it. We build relationships and appreciate each client.

That is not something you find at a 1-800 number.

"We are not here to sell you a policy and move on. We are here to make sure you are actually protected... And to show up when it matters."

Roberto Ramos Jr., Licensed Agent and Co-Founder

Want to know the full story? Meet The Team →

While our office is rooted right here in Lake Worth, we proudly protect drivers, homeowners, and businesses across Palm Beach County and the entire state of Florida.

Ready To Find Out If You're Overpaying?

Most of our clients wish they had called sooner.
It costs nothing to find out... And
you might be surprised what we can save you.

One call or a few clicks is all it takes. We shop every carrier we represent, present your options clearly and honestly, and let you decide. No pressure. No obligation. No phone tree.

Just a real agent who picks up the phone and actually knows what they are doing.

And if we cannot beat your rate today… we will keep checking. Free of charge.

"We answer every call personally. Monday through Friday 9am to 6pm. Saturday 10am to 4pm."

No obligation. No spam. Your information stays with us and your chosen carrier… nobody else.